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Jaimes, a native of Colombia, helps clients facing arrears in their rent, mountains of credit card debt, and credit scores that prevent them from renting apartments or getting jobs.
Unless she can cover the additional £15 a week she will have taken from her employment support allowance, which currently leaves her £24 a week after bills, from April she is also facing arrears and eviction.
Various schemes have been in place to help those facing arrears or, ultimately, repossession of their property if they face financial difficulties.
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Labour and poverty charities have called for the universal credit rollout to be paused in order to iron out design flaws and deal with funding and administrative problems that have left tens of thousands of low-income claimants in debt, facing rent arrears and reliant on food banks.
In many cases they faced growing arrears of rent and found it difficult to maintain their income levels.
The research, seen by the Guardian,, reveals the extent to which socially excluded claimants will struggle with the huge cultural and behavioural changes demanded by universal credit, and warns that without help, those who fail to get to grips with the new welfare system will face debts, arrears and eviction, leading to a rise in homelessness.
Facing mounting financial arrears, vulnerable supply chains, U.S. court battles over Citgo shares used as loan collateral, and U.S. sanctions on the Rosneft CEO, there are limits to how far Rosneft can extend its financial exposure in Venezuela.
The inadequacy of DHPs is well illustrated by the case of Richard Rourke, a wheelchair user who has had extensive adaptations to his home but has been granted a DHP of only £7.41 towards a benefit shortfall of £25, and is now facing eviction for arrears due to the bedroom tax.
Among the survey's main findings was that 62percentt of the drivers reported facing some form of arrears in their rent or mortgage payments or in phone or utility bills.
Joanna Kennedy, chief executive of the charity Z2K, said: "Our experience helping those affected by the original cap shows that many of those families will have to reduce even further the amount they spend on feeding and clothing their children, and heating their home to avoid falling into rent arrears and facing eviction and homelessness".
The players were forced from the field after only 26 overs of play with Somerset still 315 runs in arrears and facing the final-day task of pressing on to collect batting bonus points if the weather relents.
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