What is financial difficulty defined as?

You are considered to be in financial difficulty if your outgoings per month exceed your income on a regular basis. It will be assumed that you will have applied for all financial assistance from your employer and for all benefits available from the state or your private insurance should you have it. You may also find you are only capable of working fewer hours than before which might leave you in financial difficulties too.

You will be required to show details of your income/outgoings by submitting copies of bank statements showing the relevant periods.