Ros Wynne-Jones, The Mirror's Real Britain columnist, met with ‘Jemima and Gerald’ when they wrote to her to ask whether they could help someone who had been in the Real Britain column.{jcomments on}

The Biscuit Fund is an anonymous army of around 50 ­volunteers who are mainly on low incomes – and have mostly met only through social media.

Many have disabilities and mental health issues, many are themselves going through tough times, all are dedicated to helping people in crisis with what small amounts they can spare.

They call themselves The Biscuit Fund because of the amount spent by ministers on biscuits. Last year, health ministers alone spent £100,000 on tea and biscuits in six months while savaging the NHS with cuts.

The Biscuit Fund doesn’t receive applications. Agents watch social and traditional media, scouring Facebook and local papers. They agree by majority vote who they are going to help.

“There are no admin costs,” says Gerald, 42. “Every penny goes to people who need it.”

They have prevented suicides, and restored people’s faith in human nature. So far around 100 people have been helped with around £10,000 – some just with £10 to put the electricity back on.

Others include a deposit on a flat for a heavily pregnant woman escaping an abusive partner.

Even though the money is a gift not a loan, some people have paid their money back, or gone on to use the money to help others in need.

Read the full story here

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