21 year old Amy says she's been on universal credit for six weeks and hasn't had any money and has had to take out a crisis loan.
More top news
Wintry flurries overnight for West Lancashire, Cumbria and North Wales. Icy stretches developing by morning. Windy and feeling bitterly cold
Christie Newport says a rare illness which swells her face and body has ruined her life.
We are into the longest cold spell of winter so far. More wintry flurries and bitterly cold weather to come