| Disabled people have lower incomes but
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| | contemplated suicide because of concerns
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| often have extra costs associated with
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| | over their financial situation.While
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| their impairment. This situation drives
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| | problem debt is often associated with
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| two out of five disabled people to seek
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| | over-spending on luxury goods, Leonard
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| loans and other forms of credit to meet
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| | Cheshire said that disabled people are
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| the demands of higher living costs on a
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| | borrowing to cover just their cost of
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| below-average income. The result is that
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| | living which is often much higher than
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| many people are being driven into
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| | their incomes plus the benefits they
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| 'problem debts', which are often loans
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| | might receive.Many disabled people have
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| they are left unable to repay.The Leonard
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| | additional costs relating to their
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| Cheshire disability charity is calling on
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| | impairments for things such as electric
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| the UK Government and the credit industry
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| | wheelchairs, stair lifts and other home
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| to help alleviate the burden of this
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| | adaptations including extra heating costs
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| debt. A survey by the charity found that
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| | and personal care that is not normally
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| nine out of 10 of people found themselves
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| | available through the NHS.Leonard
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| running out of money on a regular
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| | Cheshire is urging the credit industry
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| basis.It also found that more than half
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| | and the UK Government to make a number of
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| did not earn enough to meet their basic
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| | changes, including:· Making responsible
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| needs and were on incomes of less than
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| | lending a legal requirement which all
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| £10,000 a year. Many also found it
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| | lenders must comply with
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| nearly impossible to change jobs or
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| | · Showing on the loan statements how
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| careers in order to earn higher, more
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| | long it would take to clear a the lending
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| appropriate incomes.Almost 40 per cent of
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| | with the minimum monthly payment
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| those surveyed were dealing with existing
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| | · They want talks with the lenders to
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| debt by taking on more borrowing.
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| | persuade lenders to be willing to write
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| However, most also said that lenders were
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| | off debts when a customer becomes
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| not very flexible when discussing
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| | registered disabled
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| repayments and showed little
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| | · Lenders being prohibited to raise a
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| understanding of the way their disability
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| | customer's credit limit unless the
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| affected their daily lives.Leonard
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| | customer specifically requests it.The
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| Cheshire said: "Whilst easy access to
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| | charity's survey also found that living
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| credit is part of the problem, for
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| | with high levels of debt often worsened a
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| disabled people a significant amount of
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| | disabled person's sense of exclusion.The
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| debt comes from essential
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| | situation is unlikely to change while so
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| purchases...this leaves disabled people
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| | many disabled people already rely on
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| particularly vulnerable to spiraling debt
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| | benefits as their main source of income.
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| which they have little prospect of
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| | It also highlights the necessity for the
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| clearing."The disability charity's report
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| | Government to review the level of
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| also documented the effect debt was
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| | benefits available for the disabled. If
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| having on people's well-being. It found
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| | they genuinely cannot survive on the
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| that most felt that it was having a
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| | money being provided, then more money
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| negative impact on their health and
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| | must surely be found.
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| another 12 per cent said that they had
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