tell you which Manchester advice on your
告诉你曼彻斯特对你
speaking to ashes is it the first time
对骨灰说话的建议是你第一次就
you call regarding the issue the UK is
这个问题打电话英国正陷入
in the grip of a cost of living crisis
生活成本危机
I've got a massive hike in energy bills
我的能源账单大幅上涨
I had one pound 50 in my hands where am
我手里有1英镑50
I gonna get a lecture from you've done
我在哪里可以听到你在过去六个月里做了
the right thing
正确的事
in the last six months one in four
四分之一的
people borrowed money to pay for food
人借钱来支付食品
and energy bills
和能源账单
I can't pay anything because all the
我什么都付不了，因为所有的
money is counted for bills and I'm
钱都算在账单上而我' 我
living on food banks at the moment a lot
现在靠食品银行生活，很多
of people are relying on their their
人依靠
overdrafts and their credit cards you
透支和信用卡来
know to just you know meet their their
满足他们
monthly outgoings it feels less like
每月的支出，这感觉不像是
debt management at the minute and more
债务管理，而更像是
like Crisis management with costs
成本持续的危机管理
continuing to rise many are finding
许多人第
themselves in debt for the first time I
一次发现自己负债累累，我
borrowed 500 pounds and they want 1800
借了 500 英镑，他们想要
pound back of me I have no gas no
还我 1800 英镑，我没有煤气，没有
electric I literally don't have money to
电，我真的没有钱生活，
live
with exclusive access to Citizens advice
只能获得公民的建议
and the clients that they're working
和他们的客户 正在
with this is the story of the UK's
处理的是英国
emerging debt crisis told by the people
正在出现的债务危机的故事，由
behind the headlines
头条新闻背后的人讲述，
they could consider using bailiff
他们可以考虑使用法警，
keep your doors locked and keep the
锁好你的门，让
bailiffs out
法警拒之门外
[Music]
[音乐]
UK households are experiencing the
英国家庭正在经历
largest collapse in living standards
since records began
有记录以来生活水平的最大崩溃 开始，
and it's predicted one in five people
预计到明年五分之一的人
will be in poverty by next year
将陷入贫困
citizens advice is the largest
公民咨询是
independent free advice provider in the
英国最大的独立免费咨询提供商，
UK its caseworkers are currently helping
其案例工作者目前
two people every minute with Crisis
每分钟通过危机支持帮助两个人
Support
I've got a client coming in it's Carly
我有一个客户进来 我是卡莉，她
which is a single parent age 34 she's
是一位 34 岁的单亲家长，她
got two daughters age 7 and 15 living in
有两个女儿，分别是 7 岁和 15 岁，住在
the local area
当地，
she'd like advice and options about how
她希望获得有关如何实际处理债务的建议和选择，
to actually deal with her debts
come through
lovely thank you
谢谢，
this is Carly's first visit to seek help
这是卡莉第一次来寻求帮助
she owes twenty thousand pounds after
她在过去 12 个月里借了一系列贷款后欠了两万英镑，
taking out a series of loans over the
last 12 months and is struggling to pay
正在努力支付
for her everyday expenses
她的日常开支。
understand that you've come in for a
明白你是来领取
food voucher is that right
食品券的，
so if I can just ask you some questions
所以我可以问你一些问题
yeah how many of you are in the house me
吗？ 你们家里有多少人，我
and my two daughters
和我的两个女儿，
so I understand that you've dropped your
所以我知道你们已经减少了
working hours
工作时间，
well I dropped because of my
我之所以放弃工作，是因为我的
um my personal situation
个人情况，
like the last two years I've gone
就像过去两年一样，我
through a lot of loss like I lost my mum
经历了很多损失，就像我一样 失去了我的妈妈
and my dad my stepdad my brother I'm
和爸爸，我的继父，我的兄弟，我很
sorry to hear that that's tough
遗憾听到这很艰难，
and like my mental health is taking a
而且我的心理健康状况受到了
bit of a bashing
一些打击，
I was used to working 30 plus hours
我已经习惯了每周工作 30 多个小时，
right
um a week so then a month I would clear
所以一个月我就会恢复正常
like 15 1600 and then this month I got
比如 15 1600，然后这个月我得到了
like 700. so it's a big yeah drop
大约 700。所以这是一个很大的下降，
you just need some breaking stuff yeah
你只需要一些破烂的东西是的，
so what I would like to do now Carly is
所以我现在想做的卡莉是给
to issue you with food bank voucher have
你发食品银行代金券
you ever been to the food bank before
你去过食品银行吗 好吧，
okay
let's do this before
让我们先这样做吧，
there's no shame there's absolutely no
没有什么可耻的，绝对
no absolutely not times are really hard
不不绝对不是，时代
for everybody
对每个人来说都很艰难，
and you know where we are
你知道我们在哪里，
thank you
谢谢你，
I've never been in a situation where I'm
我从来没有遇到过这样的情况，我
worrying about food of all things food
担心所有食物的食物，
it's quite scary
这很重要 太可怕了，
I think I've got about
我想我
43p in the bank
银行里还有大约 43 便士，
so
所以
yeah
是的，
we're seeing more football here we're
我们在这里看到了更多的足球比赛，我们
seeing more clients
看到了更多的客户，
I've never known it's been so busy with
我从来不知道这里如此繁忙，
clients coming and asking for support
客户纷纷前来寻求支持、
financial support and asking for food
财务支持和食品
vouchers
券
oh there you are yeah
哦，你
back home Carly reflects on the period
回来了，卡莉回想起
when she began taking out loans
她开始申请贷款的那段时期，
when like I applied for loans is it is
就像我申请贷款一样，这真的很
really easy just Google search loans and
容易，只需谷歌搜索贷款，
then you can see like
然后你就可以看到，
um you've got loans for bad credit uh
嗯，你有不良贷款 信用呃
Loans To Go loans near me for example
Loans To Go 我附近的贷款 例如，
loans to go I got one with them
我向他们借了一笔贷款
and
，
I borrowed
我借了
500 pounds and they want 1800 pound back
500 英镑，他们想要还我 1800 英镑，
of me so the interest rate on that was
所以利率太
crazy
疯狂了，
the interest rate on the money Carly
卡莉
borrowed from Loans To Go was a hundred
从 Loans To 借的钱的利率
and eighty percent per year
每年百分之八十
you're not really thinking about the
你都没有真正考虑
consequences either like you're just
后果，就像你只
thinking of the now like the money to
考虑现在一样，比如
get food whatever electric guests
买食物的钱，无论电动客人
yeah looks 770 APR is loans to go that's
是的，年利率 770 是贷款，速度
just crazy how quickly did it come
太快了 真的吗？
through for you literally I think it's
我想他们
like literally within a minute they can
在一分钟内就可以
come back going yes congratulations like
回来是的，恭喜你，就像
you've been approved money will be paid
你已经获得批准一样，钱将
in within the hour
在一小时内支付，
people are always going to be reliant on
人们总是会
credit when they run out of money
在用完信用时依赖信贷
they just end up in a vicious cycle
他们最终陷入了债务的恶性循环，
where the debt has it you know it just
你知道，
is just astronomical compared to what
与
they've borrowed in the first place
他们一开始借的钱相比，这只是一个天文数字，这
it's a huge worry for debt advisors we
对债务顾问来说是一个巨大的担忧，我们
are going to see situations where people
将看到人们将要
are going to get more and more desperate
面临的情况 变得越来越绝望
Debbie has worked at citizens advice for
黛比在公民咨询方面工作了
11 years
11 年，
and manages a team of 30 case workers
管理着一支由 30 名案件工作者组成的团队
I've worked on both the national team
我曾在国家队
and the local team and it's the same
和地方队工作过，全国各地都是如此，
across the country
this feels like one of the worst periods
这感觉像是最糟糕的时期之一
of of times for advice workers and
对于咨询工作者来说，
particularly when it comes to debt
尤其是在债务方面
[音乐]，
there were people out there that would
有人
still lend me money I wish I didn't I
仍然会借钱给我，我希望我没有，我
really wish I didn't and that they'd
真的希望我没有，而且他们
done more thorough checks
做了更彻底的检查，
um because I'm sure I'm not the only one
嗯 因为我确信我不是唯一的人，
but there's probably thousands of people
但可能有成千上万的人
out there in the same situation
处于同样的情况
so can I get you to just confirm the
所以我可以让你确认
first line of your address your postcode
你的地址的第一行你的邮政编码
235 miles away in the Manchester
235英里外的曼彻斯特
citizens advice office staff are
公民 咨询办公室工作人员
receiving 250 calls a day to their
每天接到 250 个
helpline
求助热线电话
好吧，
I'll have nothing in the fridge at all
我冰箱里什么都没有了，
my electric gives down to two pounds I
我的电已经降到两磅了，我
need to get myself out of this situation
需要摆脱这种情况，
this is the first step for many and when
这是许多人的第一步， 当
advisors get to grips with the immediate
顾问们开始处理眼前的
issue
问题时
hello my name is Paulo okay and Paulo
你好，我的名字叫保罗，好吧，保罗，
how can I help you today
今天我能帮到你吗？
the situation is I had bailiffs knocking
情况是，两周前，法警敲了
on my door two weeks ago
我的门，
they tried to take all my son's birthday
他们试图拿走我儿子所有的生日
presents Christmas presents okay
礼物，圣诞礼物，好吧，
I can definitely help you out with that
我可以 绝对可以帮助你解决这个问题，
do you know what the dots are
你知道这些点是什么吗？其中
one is for council tax
一个是市政税，
they've demanded that I pay this money
他们要求我
within two months I can't afford it
在两个月内支付这笔钱，我付不起
and I don't know what to do
，我不知道该怎么办，
thinking oh the Bailey's are going to
想想哦，贝利是 快来
come
I'm I'm nervous you know
我很紧张你知道
it's okay it's okay I thought
没关系没关系我以为
you're tagging the right chapter running
你标记了正确的章节在
someone here
这里运行某人
a week later Paulo is still living with
一周后保罗仍然生活在
the threat of bailiffs turning up on his
法警出现在他家
doorstep oh we'll have pepperoni
门口的威胁中哦我们 “会有意大利辣香肠，
yes I want to put the setting put that
是的，我想把它设置
on to about gauge one
为大约一号，
so Kara to Rodrigo his nine-year-old son
这样卡拉对他九岁的儿子罗德里戈说，
we've got the pizza on top of there
我们在上面放了披萨，
he's one of an increasing number of
他是越来越多的
people for whom the cost of living
人中的一员。 生活成本
crisis is making it harder to get by
危机让生活变得更加困难，
and who are being plunged deeper into
谁在现有债务中陷入更深的困境，
existing debt
the very least I even looked through the
至少我什至透过窗帘看，
curtains I'm constantly curtains and
我不断拉开窗帘，
twitching and seeing who's outside and
抽搐，看看谁在外面，
I've even had to put a board up there
我什至不得不放一块木板
Paulo gave up his hotel job four years
四年前，保罗放弃了酒店工作，
ago to look after his son full time
全职照顾儿子，
his only income is Universal Credit and
他唯一的收入是通用信贷和
child benefit amounting to around 600
pounds a month
每月约 600 英镑的儿童福利，
Paulo owes thousands of pounds in
保罗欠了数千英镑的
council tax arrears utility bills and
市政税欠款、水电费和
unpaid fines
未付的罚款。
a bailiff is someone that walks into the
是有人走进
house and demanding for money and taking
房子索要钱并拿走
all stuff and they'll say oh we can take
所有东西，他们会说哦，我们可以接受，
that
because the government says
因为政府说
it makes you feel sad and depressed
这会让你感到悲伤和沮丧
all these bills and
所有这些账单和
council tax and all that
市政税以及所有这些从
where to start
哪里开始
trying to keep on track of it all it's
尝试 跟踪这一切，这在
just physically impossible
物理上是不可能的
[Applause]
[掌声]
utility bills and you can't afford to
水电费，你付不起，
pay it because you haven't got the money
因为你没有钱，
you're doing the resources it's just
你正在做的资源，它只是不断增加，
mounted up and mounted up and mounted up
越来越多，越来越多，
Paulo's debts have been sold on to
保罗的债务 已被卖给
different debt collection agencies
不同的收债机构
he is now being chased by multiple
他现在被多个贷方追捕
lenders
and is confused as to who he owes money
并且很困惑他欠谁的钱
to
you can't survive
你无法生存
that's the fear I have you know being a
这就是我的恐惧 你知道作为一个
single dad
单亲爸爸
oh hello
哦你好是的
557 pounds on Universal Credit and by
环球影业 557 英镑 信用，当
the times you've paid bills
你支付账单时，
it leaves you with nothing
它会让你一无所有
并
start failing him
开始让他失望，
and that's the stress I'm going under at
这就是我现在承受的压力，
the moment
I'm sorry
我很抱歉，
it's too much
sorry about that
对此感到非常抱歉
I did a lot of the grave in University
我做了很多 在大学的坟墓里，
I wanted to work in the social sort of
我想在社会
Justice side of things
正义方面工作，
I chose to work for Citizens advice
我选择为公民建议工作，
basically to help people look at their
基本上是为了帮助人们了解他们的
financial situation
财务状况，
but it's becoming harder to find
但为
solutions for people
人们找到解决方案变得越来越困难，
Paulo's income is he's on basic
保罗的收入是他的基本
Universal Credit
普遍信用，
so that's roughly about 600 pound and
所以 大约是 600 英镑，
that's 600 pounds for the month which
这个月的 600 英镑
incorporates obviously his gas and
显然包括了他将要筹集的煤气费和
electricity which is going to be raising
电费，
and incorporates his council tax
还包括了他的市政税，还
incorporates his groceries
包括了他的杂货费，
those that repayments need to be paid
这些还需要从中支付，
out of that
so it's really just not enough to to
所以这真的还不够 根据
live on
new data from citizens advice reveals
公民建议的新数据，
that nearly half of their debt
assessment clients across the UK are
英国各地近一半的债务评估客户
unable to pay their council tax bills
无法支付市政税，其中
with 48 of clients in the Northwest
西北地区的 48 名客户在
owing on average 1 700 pounds to the
local Authority
two weeks after Paulo's first call to
Paulo 第一次债务评估两周后平均欠当地政府 1,700 英镑 打电话给
Citizens advice he's overwhelmed with
公民建议，他已经被
more demanding letters
要求更高的信件压垮了，
as a first step ruri has advised Paulo
作为第一步，鲁里建议保罗
to call the council directly about his
直接打电话给市议会，询问他的
repayments and to ask whether they're
还款问题，并询问他们是否会
sending bailiffs to his door
派法警上门
I could lose my house you need to speak
我可能会失去我的房子，你需要说话
to them because they're the ones who are
给他们，因为他们是
sending the bailiffs around
派法警到
you are currently positioned six in the
你身边的人，目前在队列中排在第六位
queue
good morning can I give you my account
早上好，我可以给你我的帐号吗？
number
no
没有
through to the main menu
进入主菜单
I'll have I come through to the right
我 让我找到合适的
person
人，
no cancel that consumption one and then
不要取消消费一，然后
option b
选择 b
ucks
today I just don't want the bailiffs
今天很糟糕，我只是不想让法警
knocking on my door you know and I'm
敲我的门，你知道，
having to worry
after an hour and a half on the phone to
一小时后我不得不担心 一半在给
the council Paulo is none the wiser
议会打电话，保罗不知道
about which of his debts have led to
他的哪些债务导致了
visits from the bailiffs
法警的来访，
I had to go from here
我不得不离开这里
I just don't know what to do anymore and
我只是不知道该怎么办了，
I'm just petrified
我只是被吓呆了
the increase in the cost of living is
生活成本大幅
excellent cost of living Rises sharply
上涨
with food and energy prices set to go
随着食品和能源价格的上涨，生活成本急剧上升
even higher prices are rising faster
than at any time in the last 40 years
as families struggle to cope with the
由于家庭努力应对
cost of living crisis it's believed that
生活成本危机，物价上涨速度比过去 40 年来的任何时候都快
one million people are now borrowing
现在有 100 万人
money from illegal loan sharks
从非法高利贷者那里借钱，比
this is a 233 increase from previous
之前的估计增加了 233
estimates
the most dangerous part of of debt is
债务中最危险的部分是
when people go to Illegal money lenders
当人们向非法高利贷者求助时，
an investigation unit called the illegal
一个名为非法
money lending team is dedicated to
高利贷小组的调查单位致力于
tracking down Loan Sharks across the UK
追查高利贷者 在英国各地，
they're on their way to arrest two
他们正在
suspects in the Northeast
东北部逮捕两名嫌疑人，
there is often threats of violence to
your family people associated with you
when people have nowhere else to go then
当人们无处可去时，与你有关的家人经常受到暴力威胁，那么
this will increase definitely
这种情况肯定会增加，很难
it's really difficult to know where
知道
illegal money lenders are quite often
非法放债人在哪里
people won't admit it
when people have nowhere else to go and
当人们无处可去并且
they can't get any support it's a huge
无法获得任何支持时，人们常常不会承认这一点，这
worry for everyone really because I I
对每个人来说都是一个巨大的担忧，因为我
actually don't know what's going to
实际上不知道会发生什么，
happen
recent data shows that by far the main
最近的数据显示，到目前为止，主要的
reason people borrowed from a loan shark
人们从高利贷者那里借钱的原因
was to cover everyday living costs
是为了支付日常生活费用，
and it's predicted that thousands more
预计还有数千人
will start turning to high-risk lenders
将开始转向高风险贷款人
my electric it was down to two pounds do
我的电力下降到了两英镑
you remember roughly when
你还记得大概什么时候
production is that right
生产是正确的
hello you're through some Manchester
你好你正在经历一些 曼彻斯特
Advice Line can I just take your name
咨询热线，我可以记下你的名字吗？
I was about to help in the thighs
我正要在大腿上帮忙，
because I am so glad
因为我很高兴，
so I'm just gonna get a bit of
所以我只想
background from you so who are you
从你那里得到一些背景信息，那么你
currently living with you're living on
现在和谁住在一起，你自己住在一起
your own with family friends I'm you
家人朋友我你
know
how much do you make at the end of the
你月底能赚多少钱
month
700 pounds
700英镑
um do you want to leave that yeah
嗯你想离开那是的
council tax and Gas Electric
市政税和燃气电力
I feel like
我觉得
I'm not getting a break from anywhere
我不会从任何地方得到休息，
we'll we'll see what we can do for you
我们会的 我会看看我们能为你做些什么
three miles away from the Manchester
距离曼彻斯特
citizens advice office lives 28 year old
公民咨询办公室三英里，住在 28 岁的马蒂娜，
matina
to make ends meet she works as many
为了维持生计，她在攻读
hours as she can alongside studying for
a degree in criminology and psychology
犯罪学和心理学学位的同时，尽可能多地工作
I have a lot of sugar I have about six
我大约有六种糖，
sugars
because they don't eat a lot I tried to
因为他们吃得不多，我试图
keep my sugars up
保持我的糖含量，
so having a lot of sugars in my coffee
所以在咖啡中加入大量糖
is one of the ways to try to do that
是尝试做到这一点的方法之一，
I know it's now very healthy
我知道现在喝起来非常健康
those you up
matina found herself unable to cover her
马蒂娜发现自己无法支付
living costs last year
去年的生活费用，
she's accumulated a debt of over five
她
thousand pounds in energy bills rent and
在能源账单、租金和
council tax arrears
拖欠的市政税方面积累了超过 5000 英镑的债务，
she earns just over 700 pounds a month
她在当地一家超市上夜班，每月收入刚刚超过 700 英镑，我们
working night shifts at a local
supermarket
and let's go and we're up to turn all
走吧，我们
the lights up
when a first left school I was so
当第一个离开学校时，我起身打开所有的灯，我下定
determined to work hard and get to a
决心要努力工作，并
good place financially by the age of 30.
在 30 岁时获得一个经济上好的地方。
I'm working so many hours I'm studying
我工作了很多时间，我也学习了
so many hours
很多时间
I worked till between four and six in
我 工作到凌晨四点到六点之间
the morning
I've been your soul used to being on the
我已经习惯了你的灵魂
goal is this island now
现在的目标是这个岛
these are all my council tax arrays that
这些都是我的议会税阵列，
seem to be multiplied in by the amount
似乎乘以
I first got behind on my council tax
我第一次拖欠的金额 市政税，
because they had a work injury last year
因为他们去年受了工伤，
and I was out of work for nine months so
而我失业了九个月，
that's how I wasn't able to pay me
所以我无法支付
council tax bill so it started with a
市政税账单，所以一开始是
warning and then now from there it's
警告，然后现在从那里开始
gone to attachment to earnings
附属于收入
70 pounds is being deducted from
matina's 760 pound monthly wages as part
作为理事会向她强加的收入扣押令的一部分，从马蒂娜的 760 英镑月工资中扣除了 70 英镑。
of an attachment of earnings order
that's been imposed on her by the
council another step that a creditor can
债权人可以采取的另一个步骤
take
is rather than instructing bailiffs they
是，与其指示执行官，他们
can get an attachment order which is a
可以获取扣押令，这是一种
way of um taking money from your wages
方式 嗯，从你的工资中拿钱，
it's when the council tax do that as a
当议会税作为一个
collection process and it can be
征收过程来这样做时，它可能是
substantial and unexpected
巨大的和意想不到的，
you can get some councils that be more
你可能会得到一些比其他议会更
aggressive than others essentially this
积极的议会，本质上，这
needs to be some kind of communication
需要某种沟通，
so people know rather than it happening
以便人们知道而不是它 发生得
so quickly where they suddenly find out
如此之快，他们突然发现
they're in a situation where they've got
自己处于一种与
an attachment to their earnings
收入挂钩的情况，
so this is my gas electric meter balance
所以这是我的燃气电表余额，
which shows I have no gas no electric
显示我没有燃气没有电，
but it's not updated yet as of yesterday
但截至昨天尚未更新
it said he had 61p which is now about
他有 61 便士，现在大约是
minus 160.
负 160。
I literally don't have money to live
我真的没有钱生活，
are you having to cut back
你必须削减开支吗？嗯，
um there's nothing else to cut back on
没有什么可以削减的，
because you don't get enough to spend
因为你没有足够的钱去消费，
anyway you know like you're already
反正你知道，就像你已经
struggling to pay bills
foreign
despite the energy price cap announced
尽管政府本月早些时候宣布了能源价格上限，但仍难以支付外国账单
by the government earlier this month
over 60 percent of us could be living in
fuel poverty by next April
到明年 4 月，超过 60% 的人可能会生活在燃料匮乏中，其中
with over 65 percent of those living in
超过 65% 的人生活在
the northwest
西北地区
how can I help today
it's unlikely that they would turn up at
他们会出现在
the property but if they did you should
酒店，但如果他们出现了，您应该
just ask them to leave do you remember
要求他们离开，您还记得
roughly when you took the Loon out
您带 Loon 出去的大致情况吗？
hi everyone okay so we're just in
大家好，我们就在
Manchester Debbie arranges regular
曼彻斯特，黛比安排定期
meetings to check in with the debt
会议，与债务
advice team during this emerging crisis
咨询团队核实情况 在这场新出现的危机中，
have you found there's been much changes
你是否发现人们发生了很大的变化，
with people according to you at the
根据你的说法，
moment you know we know that things have
你知道我们知道事情
been deteriorating yeah cost of living
一直在恶化，是的，生活成本方面，
wise
it feels less like debt management at
目前感觉不太像债务管理，
the minute and more like Crisis
而更像是危机
management it's beyond our Powers isn't
管理，它超出了我们的范围 权力不是吗，
it it's just beyond our powers at the
目前超出了我们的权力范围
moment and it feels that we are at that
，感觉我们正处于那种
desperate point
绝望的时刻，
is Crisis
anyone on the virtual lot over there
虚拟地段上的任何人都处于危机之中，
I'm finding more and more clients are in
我发现越来越多的客户
just impossible situations really and
确实处于不可能的境地，并且
having that difficult conversation on
遇到了困难 我们
almost a daily basis we are homeowners
几乎每天都会谈论我们是房主、
people who work
工作人员、
people who have never really been in
从未真正负债过的人，
debt and alive in a situation now
现在生活
where there's no other spending on the
在预算上没有其他支出的情况下，
budget they've got huge debts but
他们背负着巨额债务，但
they've got no available income to put
没有可用的收入。
towards it and the only thing we can
我们唯一真正能
really offer is like we found vouchers
提供的就是我们找到了代金券，
but then is there going to be any food
但是
in the food banks that's the other issue
食物银行里是否还有食物，这是另一个问题，
if everyone's going
如果每个人都去的话，
what do we do
我们该怎么办？
I've got a client at the moment Martina
我现在有一个客户，玛蒂娜，
who's a student she's working nights
她是 一个学生，她晚上工作，
doing everything she possibly can and
尽其所能，而
this client doesn't even have enough
这位客户甚至没有足够的
money to put credit on a phone to even
钱在电话上贷记，甚至
contact to creditors
联系债权人，
I'm struggling to advise her
我很难为她提供建议，
and how old is she 28 years yeah so you
她多大了 28 岁了，所以你
know can't do anything can't socialize
知道可以 不能做任何事不能社交
can't yeah exactly yeah
不能是的，
for a client
对于
um like matina it's only going to get
像马蒂娜这样的客户来说，情况只会变得
worse
更糟
Carly lives in temporary accommodation
卡莉自从访问公民建议以来，
with her two daughters in South End
和她的两个女儿住在南区的临时住处
since her visit to Citizens advice she's
been going to the food bank on her
一直去她庄园里的食物银行，
estate
I never see myself like this ever
我从来没有像现在这样
worrying about you know have I got
担心我是否有
enough food to make it like to the
足够的食物来度过
weekend or to you know for until I've
周末，或者直到我
got my next lot of money coming in and
收到下一笔钱为止
at the moment the answer is no
目前答案是
no yeah it's uh Carly
否定的，是的，是的，卡莉，
um
嗯，
is
是[
音乐]，
it is yeah
have you got like a wallet and probably
你有钱包吗，可能还有
yeah bolognese sauce
肉酱，
I'll try to think if those slices
我会试着想想这些切片是否
weren't available what people would have
不是 在经历了多次家庭丧亲之后，人们必须做些什么
to do
谢谢你
following a number of family
bereavements Carly's job as a deputy
卡莉作为
manager of a local supermarket became
当地一家超市副经理的工作变得
difficult to maintain
难以维持，
and at the end of last year
去年年底
her debts began to get out of control
她的债务开始失控，这是
the first I wanted to get a loan to
我想要的第一个 一笔贷款来
consolidate all the debt but no one
合并所有债务，但没有人
would no one would give me a loan which
愿意，没有人会给我一笔贷款，
I don't blame him and
我不怪他，
but they knew like
但他们知道
that's how I got into the Iva
我就是这样进入伊娃的。
Carly has recently entered an individual
卡莉最近加入了一项
voluntary Arrangement known as an Iva to
名为伊娃的个人自愿安排 为了
clear this debt
清除这笔债务，
an Iva is a legally binding agreement
Iva 是
between an individual and their
个人与其
creditors where debt is Consolidated
债权人之间达成的具有法律约束力的协议，其中债务被合并
into one monthly payment for around five
为每月付款，为期五年左右，
years however a quarter of ivas fail
但四分之一的 IVA
within this time because people don't
在这段时间内失败，因为人们没有
keep up with their repayments
跟上还款
ivas have been an issue for a few years
IVA 的要求 几年来一直是一个问题，
now
purely because they get quite big fees
纯粹是因为他们从中获得了相当大的费用，
out of it I wasn't
我不是
they organize a monthly payment with the
他们与债权人组织每月付款，这将
creditors that that will form a lump sum
形成债务的一次性付款，
towards the debt but ostensibly their
但表面上他们的
fees are within that as well
费用也在其中，
we are seeing a lot more clients with
我们 看到越来越多的拥有
ivas that probably couldn't even afford
ivas 的客户，他们可能一
them in the first place but definitely
开始就买不起，但
can't afford them now
现在肯定买不起
Carly's been paying into her Iva for
卡莉已经向她的 Iva 付款了
three months and since entering the
三个月，自从签订
agreement she's found herself unable to
协议后，她发现自己无法支付
keep up with the hundred pound monthly
跟上每月一百英镑的
repayments
还款，
so this is my IBA
所以这是我的 IBA
pack it lists like all my
包，它像我所有的债权人一样列出了
creditors on there what I owe them and
我欠他们的钱，
the total is 20
总共是 20
759 pounds
759 英镑，
I just like Googled
我就像用谷歌搜索一样，
I clicked on it I think and then it
我想我点击了它，然后它
asked you some questions and then I just
问了你一些问题 然后我只是
I don't just ended up on their web like
我不只是在他们的网站上结束了，就像
the website
网站一样，
um I entered my number I didn't someone
嗯，我输入了我的号码，我没有人给
rang me and it just went from there
我打电话，它就从那里开始，
it's just one monthly payment they do
只是每月付款，他们用
what they do with it I don't care
它做了他们所做的事情，我不这样做 不在乎
[鼓掌]
costs of like
what the cost of living like
生活成本之类的费用，这
it it's not easy like seeing it like
并不容易，就像看到它一样，
I've realized it's not as easy as um I
我意识到这并不像我想象的那么容易，
thought it would be
I do sometimes worry about my mum's like
我有时确实担心我妈妈的
mental like State and that but I um
精神状态和状态 但我嗯，
I'm always on her about that as well
我也总是在这方面关注她，
though I'll
尽管我会，我会
I'll always like randomly behind the
总是喜欢随机地在前厅后面
front room and be like are you okay yeah
说，你还好吗，是的，
I'll be like are you sure
我会说，你确定吗，
despite the obligation to repay Carly's
尽管有义务偿还卡莉的
anxiety and depression has meant that
焦虑和 抑郁症意味着
she's reduced her working hours
她减少了工作时间，
and it's compounding the financial
这加剧了她
pressure she finds herself in
在
her Mental Health
心理健康方面的经济压力，
I can't control that I know I can't but
我无法控制，我知道我不能，但
I want to make sure it can be as good as
我想确保它尽可能好，
possible and yeah it's just that is a
是的，这是 这只是
worry of mine
我的一个担心，
I can't keep
我不能一直
running away from me it's not going to
逃避我，它不会
go away like all this money that I owe
像我欠下的所有钱一样消失，
like
就像
in deep what we're thinking
我们认为的那样，
it's three weeks since matina first
自从马蒂娜第一次
contacted citizens advice but she's
联系公民建议以来已经三周了，但她
falling behind with her rent
落后了 她的租金，
and is now threatened with eviction
现在面临被驱逐的威胁，
what's your name
你叫什么名字，
is visiting her debt advisor Jen to
正在拜访她的债务顾问 Jen，
discuss her options
讨论她与
to meet you yeah thank you
你见面的选择 是的，谢谢你，
obviously the the main thing at the
显然，目前最重要的
moment is this eviction notice my advice
是这份驱逐通知，我的建议
would be stay in the property but if you
是留在房子里，但如果 您
are getting letters about court dates
收到有关法庭日期
and hearings then let us know
和听证会的信件，然后让我们知道
you definitely don't want to do
您绝对不想这样做，嗯，
um don't really forward or give
不要真的转发或给予
bankrupts there okay
破产者，好吧，
I know it's it's overwhelming
我知道这是压倒性的，
just because like I want to be able to
因为就像我希望能够
have a business and get a mortgage and
开展业务一样 获得抵押贷款和
all those things in the future an adult
未来所有这些事情 一个成年人
one anything to you know like block my
你知道的任何事情 比如阻止我
chances of doing anything in the future
将来做任何事情的机会
when a client gets an eviction notice it
当客户收到驱逐通知时 这
is one of the most urgent things that we
是我们处理的最紧急的事情之一
deal with there's a risk that a client
存在风险 客户
could be left homeless
可能会无家可归
I'm concerned about what what
我担心
potentially could happen
可能会发生什么
I can see similarities with Martina and
我可以看到玛蒂娜和
myself Mateen is extremely motivated
我自己的相似之处 马丁非常有动力，
she's a single person and she was
她是一个单身人士，她受到
affected a lot by the increases in the
cost of living
生活成本增加的很大影响
there's no guarantee that her house
不能保证她的众议院
Association will agree to ahold on her
协会会同意保留对她的
eviction
驱逐，
and she might have to look at insolvency
她可能不得不考虑将来破产的问题，而
in the future
that might be and you know the only way
你知道，英格兰银行重新开始的唯一方法
of getting a fresh start
the bank of England is predicting that
是预测
the UK will fall into recession by the
英国将陷入困境
end of December and remain there for the
12月底经济衰退，并在明年一整年保持这种状态
whole of next year
the chancellor of the ex-jacker will set
前劫持者的财政大臣将在
out the expected costs later this month
本月晚些时候列出预期成本
I recognize that people are struggling
我认识到人们正在挣扎，
we are taking action to help people on
我们正在采取行动帮助处于
the lowest incomes love you love you bye
最低水平的人们 收入爱你爱你再见，
despite the government's recent promise
尽管政府最近承诺
to support those in crisis
支持那些处于危机中的
citizens advice staff are finding it
人公民建议工作人员发现，
difficult to keep up with demand
if you're in a deficit budget like we
如果你像我们现在一样处于赤字预算，
are now and the application potentially
并且申请可能
will be refused you see the moment it's
会被拒绝，你看，工作人员发现很难满足需求 当它
showing that one 110 pounds 50 deficit
显示出 110 英镑 50 的赤字时，
that's what we would advise you to do is
我们建议您
stop making any payments towards the
停止支付任何
debt because it's potentially just going
债务，因为这可能只会
to be increasing your financial hardship
增加您的财务困难，
we divide debts into priority and
我们将债务分为优先死亡和
non-priority deaths I don't dispute what
非优先死亡，我不知道 对
you're saying we don't want this
你所说的提出异议，我们不希望事情
escalated more than it has done so
升级得比现在更严重，所以
already
已经是
外国
and the advisors are having a catch up
，顾问们正在赶上
to share their case loads
来分享他们的案件量，
I found it quite difficult to tell
我发现很难告诉
people to you know go through the
人们你知道要经历的事情
deposit and go where you can call on
存款然后去哪里你可以调用
this this and this but reality they're
这个这个这个但现实他们并
not spand and you know quite a lot I
没有跨度而且你知道很多我
just find those conversations can be a
只是发现这些对话可能有点
bit difficult yeah it's difficult enough
困难是的，在几乎没有任何东西的情况下
telling someone to cut their spelling
告诉某人减少他们的拼写已经够困难的了
when there's hardly anything there never
没关系，
mind when there's a deficit
当出现赤字时，
and the advisors in Manchester are
曼彻斯特的顾问
concerned where this will lead for their
担心这会导致他们的
callers
来电者之
house
家的情况
I mean the fact that we're still using
我的意思是，我们仍然使用我们
bailiffs that we're employed by us we
雇用的法警，我们
use the Antiquated system in itself just
使用过时的系统本身就让
amazes me and that needs to stop
我感到惊讶 这需要
completely you know it's not all right
完全停止，你知道
to send people around to your house
in terms of bailiffs it can be very
就法警而言，派人到你家去是不行的，这可能会让人非常
confusing for clouds
困惑，因为云
companies can pay dads and then sell it
公司可以向爸爸付钱，然后将其出售
to another that collection company
给另一家收债公司，
most of the time if you look through the
如果你看看的话。 浏览
documents if it's been passed through
文件，如果它已经通过
one then pass through another it won't
一个文件，然后再通过另一个文件，它不会
tear who the original crowd there is
撕裂原来的人群是谁，
and that can lead to a lot of confusion
这可能会导致很多混乱
in terms of like part of that situation
因为
it doesn't know you know the difference
它不认识你的情况的一部分 知道
between what that is what whereas come
那是什么
from and what the next steps are
来的和接下来的步骤是
外国的之间的区别
[音乐]现在
it's seven o'clock in the evening and
是晚上七点，
Paulo receives a call from a bailiff
保罗接到法警的电话，
so I've already contacted citizens
所以我已经联系了公民，
advice
建议
the thing is half of it it's not even
事情已经一半了 它甚至不是
mine it's my son's he can't really take
我的，而是我儿子的，他不能真正接受
something which is my song
我的歌，
wake up
醒来，
I can't say anything because all the
我什么也不能说，因为所有的
money is accounted for bills and that
钱都被计入账单，而这些
money literally goes I'm living on food
钱实际上已经消失了，我现在靠食品银行生活 [
banks at the moment
音乐]
Paolo who's thousands of pounds in debt
保罗负债数千英镑
and struggling to make ends meet
，努力维持收支平衡，
receives the second call that evening
那天晚上他接到了外国法警打来的第二个电话，
from the bailiff
they're trying to settle a debt for an
他们试图偿还
unpaid fine dating back to last year
去年以来未付罚款的债务
100 pound a month but that's that's not
100 每月 1 英镑，但这不是
that that's doable right
可行的，太棒了，
fantastic
having agreed to pay back a hundred
同意每月偿还 100
pounds a month Paulo is hoping his
英镑，保罗希望他的
Universal Credit will stretch that far
通用信用能延伸到那么远
we don't have to worry who is outside
我们不必担心谁在外面，
because we were a bit worried yesterday
因为我们有点 昨天我们很担心，
weren't we yeah
不是吗？
I think
我想
it's made us have a better piece of mind
这让我们有了更好的心态，
isn't it
I'm not having them taking my son's
我不会让他们拿走我儿子的
stuff
东西，这对
not fair on him is it it is is it's not
他不公平，是的，这不是
his fault
他的错，
Carly has so far made four debt
卡莉到目前为止所做的一切
repayments into her Iva
她的 Iva
lift going down but with her changing
电梯的四笔债务偿还额正在下降，但随着
circumstances she's having second
情况的变化，她正在重新
thoughts about whether she can afford
考虑她是否能负担得起
the arrangement
she's visiting citizens advice to
她正在拜访公民的安排，建议
讨论她的选择，
how are you yeah not too bad thank you
你好吗，是的，还不错，谢谢，
cheers
干杯，
I'm doubting now that I've done the
我现在怀疑我 我做了
right thing okay
正确的事，好吧，
I just Googled help
我刚刚在 Google 上搜索了帮助，结果是
um and what came up was well the first
thing that came up I kind of clicked on
出现的第一件事，我有点点击
it which was an IBA an Iva is very
它，这是一个 IBA，Iva
rarely recommended
很少被推荐，
could I cancel my Iva you are where you
我可以取消我的 Iva 你在哪里吗？
are with the Iva if you want to actually
如果您想真正
resolve the issue or tell them that
解决问题或告诉他们
you've had a change of circumstances so
您的情况发生了变化，
that you can no longer afford to pay
您无法再偿还
your debts it's the discussion that you
债务，那么您
need to have with them because if it's
需要与 Iva 进行讨论，因为如果这对
affecting you there's nothing worse than
您产生影响 没有什么比
that you're struggling to continue to
您正在努力继续
make a payment
付款更糟糕的了，
whatever happens today whatever comes
无论今天发生什么，无论这一切发生什么，
out of all of this please come back to
the citizens advice if you need more
如果您需要更多
and beat yourself up I wish you'd come
并自责，请回到公民建议中，我希望您能来
and see us yeah
见我们 是的
I didn't do
enough research when I was seeking that
当我
help for my debts I just kind of
为我的债务寻求帮助时，我没有做足够的研究，我只是在谷
Googled and the first thing that came up
歌上搜索，出现的第一件事
I went for it
我就去做了，这让
it's kind of
scared me a bit and I'm kind of kicking
我有点害怕，我有点踢
myself
我自己
it's not easy like seeing like your
这并不容易，就像看到你的
parents go through hard times
父母经历困难时期一样，
everything kind of just went downhill
一切都在走下坡路
next year I just want to be smart about
明年我只想聪明地对待
the things that we do kind of thing
我们所做的事情，
比如
financially as well like be smart
财务上的事情以及聪明的事情，
because I I like to sit there and like
因为 我喜欢坐在那里，
kind of plan out in my head how like my
在脑子里计划出我
mom should spend her money
妈妈应该如何花她的钱，
not that she listens to it
而不是她听的
we asked the loan company that Carly
我们向卡莉
originally used loans to go for a
最初使用贷款的贷款公司寻求
comment
评论，
but they didn't provide a response
但他们没有提供 回应
it's been two weeks since Martinez
马丁内斯
meeting with the advisor she's acted on
与顾问会面已经两周了，她按照
guidance to contact her creditors to ask
指导联系债权人寻求
for help
帮助，
her eviction notice is now on hold
她的驱逐通知现已暂停
but her attachment of earnings order is
但她的收入令附件
still hanging over her
仍然悬而未决，
and she's calling the council to ask if
她正在打电话 委员会询问他们是否
they will reduce her repayments
会减少她的还款额
I just wanted to speak to somebody about
我只是想和某人谈谈
my castle tax because I've got an
我的城堡税，因为我对
attachment to earnings I'm really
收入有依恋 我真的很
concerned as it's already putting me in
担心，因为这已经让我陷入
hardship
困境
外国，
because they're coming out
因为他们正在弄清楚
how long do you think the attachment to
如何 你认为对
earnings is going to carry on for
收入的依恋会持续多久，
eign
next vehicle bye
下一辆车，
well that went just as if I was going to
再见，就好像我要走一样，
go
like they tell you to contact him and to
就像他们告诉你联系他，
let them know if you're in a situation
让他们知道你是否处于困境一样
or you need help are you struggling but
或者你需要帮助，你正在挣扎，但当
when you do they're not helpful so why
你这样做时，他们没有帮助，所以
would you want to
你为什么想让
people rather suffer on their own
人们宁愿自己受苦，
because that's all you can do
因为这就是你能做的
Manchester City Council told us their
曼彻斯特市议会告诉我们，他们的
residents are facing unprecedented
居民正面临着前所未有的
困难
and an attachment of earnings order is
和
only actioned when other arrangements
只有当其他安排
have not been sustained
未得到维持时，才会采取扣押收入令的行动。
they say they have had limited contact
他们说，他们与玛蒂娜的联系有限，
from Martina
and requested that she write to them in
并要求她写信给他们，
order for them to consider how they help
以便他们考虑如何帮助
her
她，
they have had no record of her doing so
他们没有她这样做的记录
to date
约会
the start of the new school term
新学期开始，
and Paulo is getting Rodrigo ready for
保罗正在为罗德里戈
his first day back
回来的第一天做好准备，
we'll get ready for school
我们会为上学做好准备，
that get you dressed
让你穿好衣服，
good day today
今天美好的一天，
excited yeah
兴奋，是的，哦，
oh
kind of oh
有点哦，
lost the head there
失去了理智，
we go
我们去
Paulo's debt repayments to one bailiff
保罗的债务 向一名法警还款让他得到
has provided some respite
了一些喘息的机会，
but he's had to make further cutbacks
但他不得不进一步削减
other bailiffs continue to visit his
其他法警继续拜访他的
home
家
Paulo still doesn't know where they're
Paulo 仍然不知道他们来自哪里，
coming from
a few days ago
几天前
they were out the door at a lot a late
他们经常出门在外
night and they were banging on the
深夜，他们敲打窗户
window
they didn't say anything they'll just
他们什么也没说，他们只是
knocking on the door and banging on the
敲门并敲打窗户
the main fear is that
主要担心的是
the Rodrigo has everything that the same
罗德里戈拥有
same opportunities what other children
同样的机会什么其他 孩子们
have in school
在学校里
I need to do the strips let me do the
我需要做脱衣舞 让我做带子
straps
it's stressful because I don't want him
这很有压力，因为我不想让他
going into school thinking that he
上学时认为他
hasn't got anything
什么都没有
I've had to put him in his old school
我不得不让他穿上旧校服
uniform
but you have to do things to survive you
但你必须做一些事情才能生存，你
see
see you later
看，稍后你
have a good day at school
在学校度过了愉快的一天
I have never seen it this bad this will
我从来没有见过这么糟糕的，这将
have ongoing effects for many years to
在未来很多年里产生持续的影响，
it just feel like we've got something
只是感觉我们已经有了
bad ahead of us and we need to support
我们面前有一些糟糕的事情，我们需要
each other yeah
互相支持是的，
we can carry on advising people but it
我们可以继续为人们提供建议，但它
might get to the stage where it becomes
可能会达到
pointless
毫无意义的阶段，
I don't think things have hit as much as
我认为事情没有达到预期的程度，
they will we feel I feel lost
我们觉得我感到迷失了
there are times when I genuinely think
有时，当我真的认为
there is nothing that we can do to help
apart from put that sticking plaster on
除了给他们贴上膏药、
give them a Food Bank referral and get
给他们食物银行推荐并给
them an energy voucher
他们一张能源券之外，我们
we can't just carry on doing that we
无能为力时，我们不能继续这样做，因为我们
there isn't enough funding for that
没有足够的资金 那
我们该怎么办