Karen’s rent was being paid through Housing Benefit by direct debit, but this was changed to a prepayment card. She says, “Having a card that required me to find a pay-point every week was not a sensible choice. Standing in a queue when you have arthritis and fibromyalgia is not really an option.” Under bedroom tax, she was deemed to have a spare room. She was turned down for discretionary housing payment on the grounds that she could use her Disability Living Allowance, but she needed this for other impairment-related expenses. She fell into rent arrears and was served with an eviction notice.