CAP Referral Leaflet

7/29/2019 CAP Referral Leaflet

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Free debt counselling from an award winning charity

Free debt helpfor your community

CALL FREE ON 0800 328 0006

debt help


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The ree debt counselling service

o Christians Against Poverty (CAP)

is available in your area. CAPs

service is one o the most in-depth

and holistic ree debt help services

available in the UK. We are uniquely

placed to help, in particular, low

income, nancially and socially

disadvantaged people out o debt.

Our service is available to all

members o society regardless

o religious belie, race, sexual

orientation, age, gender

or disability.

CAP is a national charity that

operates through a growing

network o debt centres, opened in

partnership with local churches.

We use a combination o ace-to-acehome visits, budgeting advice, debt

management, creditor negotiations,

insolvency services and beriending.

These deliver a holistic and in-depth

debt counselling service to those who

need extra support.

As a charity we provide all our

services completely ree o charge

as we seek to achieve our aim o

relieving UK poverty.

CAP currently handles over 72m

o non-priority debt, and supports

thousands o clients and their amilies

every year. We are regulated by the

Oce o Fair Trading* and we are

listed as a ree advice agency on

www.direct.gov.uk.

CAP has been recognised or

excellence through numerous

awards, including the Credit Today

Debt Counsellor o the Year Award

(2011). We have also twice been

placed rst in the Sunday Times Best

Small Companies to Work or list

(2008 and 2009).

Our service has been tremendously

successul, with 92% o ourestablished clients bills and debts

being paid on time.

Most importantly, our latest client

questionnaire (o over 1,000

respondents) reported that the vast

majority o clients (94%) rated our

service as lie transorming or a

great help.

Good news!

*CAP holds a Consumer Credit License, number: 413528and a Group Consumer Credit License, number: G900031


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Face-to-face and accessible

Who do we help?Debt can have devastating

eects on individuals and

their amilies. These eects

range rom ear, stress, illness

and missing meals, through

to relationship and amily

breakdown, and even suicide.

Our service is tailored to

provide support to those in

debt who are nding it hard

to cope.

CAP recognises that debt

can oten be a symptom or

cause o wider issues. Each

CAP Debt Centre has a team

o volunteer Beriendersthat plays a key role in

supporting clients practically

and emotionally through

riendship and personal

support. In addition, they

have designated team o

Debt Advisers at who areavailable via the phone.

The prole o CAPs clients

Almost two thirds (65%) live below the

poverty line

Average household income is 11,207

per year

28.5% o CAPs clients are single parents

Over one third (36%) are unemployed

60% receive benets

12% are disabled

13% are rom ethnic minorities

How do we help?

Local CAP representatives visit

clients in their own homes.

Time is taken to ully explain

each step o the process ace-

to-ace, to answer questions

and address any concerns.

CAPs service is also nancially

accessible as its completelyree. There are no minimum

repayment requirements

and it does not matter how

much debt someone has or

how low their income is. I a

client doesnt have a basic

bank account when they call

CAP, a local Beriender or CAP

representative will help themto open one.

Holistic and personal approach

Download our CAP Client Report for detailed statistics about our client base:

www.capdebthelp.org/en_GB/whowehelp

Refer your clients to CAP by asking them to call 0800


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CAP provides a ull insolvency

service oering bankruptcies,

Debt Relie Orders, Individual

Voluntary Arrangements and

the Scottish and Northern

Irish equivalents. We supportclients at every stage, by

lling in bankruptcy orms or

helping them save or court

ees. CAP will discuss all

the options with clients and

advise on the best possible

insolvency route or them.

Specialist advice is alsoavailable or complex cases.

A budget is drawn up

or each client and CAP

negotiates with all creditors

to orm repayment plans or

priority as well as non-prioritydebts, seeking to remove as

much o the burden rom the

client as possible.

I a client receives a letter

rom a creditor, they

simply orward it to their

CAP representative using

a reepost envelope.

Creditors who call clients

are told to speak to the CAP

representative instead.

I a clients income or

expenditure changes, orexample i they lose their

job or have a baby, CAP

reassesses their budget and

renegotiates with all creditors

as necessary. Our help is long

term we support clients until

they are debt ree.

Each client is given a CAP

Account, which acts like a

simple bank account. The

client makes one weekly or

monthly payment into their

CAP Account to cover their

bills and debt repayments,

which we then distribute on

their behal. Savings are also

built in, so each client can

budget or their uture needs

and any unoreseen events.

In-depth and long term debt help

Easy payments: the CAP Account

Insolvency options

Of all the non-profit debt counsellors,no one goes into your overallemotional well-being and mentalhealth like CAP. Martin Lewis, Money Saving Expert

8 0006 www.capdebthelp.org


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Refer your clients to CAPby asking them to call

0800 328 0006I we have a debt centre near their home we will be able to book in their rst

appointment. You can check whether CAP has a debt centre that would be

able to help them through the postcode search at www.capdebthelp.org.

Calling on behalf of a client: I it would help the client, we are happy or you

to make the call and pass the phone to them once it has connected. However,

we cannot make an appointment or someone via a third party.

Self employed people: In some circumstances CAP may not be able to oerhelp to sel employed people. We would still encourage any potential clients in

this situation to phone our reephone number (0800 328 0006) and our team will

advise them urther.

Janets storyI went to the doctors because I needed

to take care o the children and I was not

unctioning properly. I walked into the

surgery and picked up a CAP leafet, gotsome pills to see me through, went home

and made the call.

When Bernie (CAP representative) came to

our home I elt like she was my best riend;

she listened to me when I needed it most. We handed over all our paperwork.

Bernie came back a week later and told us what to pay when.

It was brilliant. We were given a realistic amount to pay o our debts yet still

put ood on the table.

It is a pleasure working with Christians Against Poverty. I eel that we

have built up a productive working relationship which has continued

to grow. This has been benecial or our clients and allows us to have a

greater understanding and empathy with their individual circumstances.

Margaret Pollock, Scotcall, Glasgow


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Zahraas storyJust when I couldnt cope anymore, I heard

about CAP. I was a little apprehensive

because Im a Muslim, but when Stephen (CAP

representative) came, I elt so comortable andnever elt judged. I just cried with relie.

Stephen organised a budget or me and talked to

the people I owed money to. The CAP Account is

brilliant; I pay in enough or my bills and debts,

then everything I have let is or ood and essentials, plus Ive got savings.

I have a lie now; people say Ive changed and Im not always stressed

anymore. Im happy and content again, which I never thought possible.

QuestionsHow does your Christian ethos affect

your service?

As a Christian organisation, our aith is

our motivation and we have a strong

Christian ethos. Our representativesmay oer prayer and discuss issues o

aith with clients i they are interested.

However, their response does not

aect the service oered. The majority

o our clients are not Christian and

we ully respect clients religious

backgrounds and belies.

How are you funded?CAP is a registered charity and

receives over hal o its income via

regular donations rom individuals

and churches. More than 25% comes

rom one-o donations as a result

o undraising activities such as

sponsored events. The remaining

income is accounted or in a number

o ways including grants and

corporate unding through our Fair

Share scheme (approx. 7%).

Who regulates you?

CAP is regulated by the Oce o

Fair Trading and holds a Consumer

Credit Licence (no. 413528) and a

Group Consumer Credit License (no.

G900031) that cover all our debt

counselling and management.

Is there a charge for your service?

No, it is completely ree. Ater six

months o working with us, clients

are given the opportunity to makevoluntary donations to CAP, unless

they are on an insolvency route.

CAP strives to prevent clients eeling

any sense o obligation when the

opportunity to donate is presented.

Many o our clients choose not to

make a donation and this does not

aect the service they receive.

t: 01274 760720 e: [email protected] www.capdebthelp.orgRegistered Oce: Jubilee Mill, North Street, Bradord, BD1 4EW CAP Re: 02/Jan 2013Registered Charity No. 1097217 Charity Registered in Scotland No. SC038776Company Ltd by Guarantee, Registered in England and Wales No. 4655175

Documents

CAP Referral Leaflet