Being a dad means protecting, providing, and making sure your kids feel safe. But what happens when the system you rely on fails?
Phillip Herron’s story isn’t just heartbreaking — it’s a shocking reminder of what can happen when a struggling parent is left alone with debt, anxiety, and silence from those who were supposed to help.
Phillip Herron, a factory worker and devoted single father of three from Durham, England, had just $6 in his bank account when he took his own life in 2019.
He was only 34 years old
The reason? He was forced to wait weeks for his first Universal Credit payment — a wait that proved too long, too cruel, and too devastating.
Universal Credit is a UK government welfare program designed to replace six older benefits with a single monthly payment. It’s meant to simplify the welfare system and encourage people to find work. But for many, it’s become a source of hardship.
Like so many others struggling to make ends meet, Phillip Herron was drowning in debt when he quietly applied for Universal Credit — never telling his family just how bad things had gotten.
The 34-year-old father was out of work and barely managing to feed or dress his kids. He was falling behind on rent and buried under nearly $25,000 in debt —including payday loans charging outrageous interest rates of over 1,000%.
”The final straw”
Like countless others, turned to the UK’s Universal Credit system for help. What he got instead was silence, delays, and mounting debt.
Universal Credit, rolled out by the UK government in 2013, was pitched as a streamlined benefits system. But behind the political promises is a darker reality. New claimants must wait five weeks — at minimum — before receiving any money. For those already in crisis, it’s a deadly delay.
“When people ask for help, they’re already desperate,” Philip’s mother, Sheena Derbyshire said. “Making them wait this long? It’s dangerous.”
For Philip, the waiting and pressure became too much to bear.
“There’s no reason it should take so long. Phillip already had problems but I think this was the final straw,” Sheena said.
A total shock for his family
Just hours before his death, Phillip posted a heartbreaking selfie of himself in tears from inside his car. Alongside it, a goodbye note.
The next day, on a quiet country road, he ended his life.
His mother, Sheena Derbyshire, was blindsided. “It was a total shock,” she told the Daily Mirror. “We had no idea how bad things had gotten. In his note, he wrote that the family would be better off without him. That broke me.”
