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‘I’ve got 75p in my bank account’: Universal Credit payment delays push people to breaking point
We interview Tina, who previously went debt free with CAP, as she now faces the impact of Universal Credit payment delays.
- Blog
- Benefits
- Lived experiences
16 September 2025
Access to hope
Hear from Angela how one local church’s compassionate care reminded her she wasn’t alone.
- Magazine
- Debt
- Disability
- Lived experiences
8 May 2025
Life after a Debt Relief Order: my journey towards a brighter future
Chris, who became debt free through CAP, shares his journey with debt and suggests changes that are needed in the debt collection sector.
- Blog
- Lived experiences
10 April 2025
‘Please take us as we are and help us’: How decision makers could make a difference
Former CAP client, Susan*, who is now debt free, shares her recommendations to the Government and creditors around how they can support people like her who face money and mental health challenges.
- Blog
- Lived experiences
19 March 2025
‘CAP changed my debt life, but they also changed my mental health’
Former CAP client, Susan*, who is now debt free, shares her experience of mental health challenges, problem debt and what she would want others who are going through the same struggles to know.
- Blog
- Lived experiences
19 March 2025
Reforming the PARV process for abuse survivors in debt
CAP have been asked to join the campaign by Money Wellness: Securing Safety: Reforming the PARV (person at risk of violence) process for abuse survivors in debt.
- Policy and research
- Debt
- Lived experiences
13 March 2025
Personal life after debt: moving forward financially and emotionally
We share what life can look like after debt, through Lyndsey’s own perspective and story.
- Magazine
- Lived experiences
17 October 2024
My experience of the welfare state and its effect on health and wellbeing
Stu, who was helped by CAP to become debt free, writes about the impacts of PIP assessments on people’s mental health.
- Blog
- Lived experiences
11 October 2024
A new Government, will anything change?
Stu, who was helped by CAP to become debt free, shares his thoughts about the importance of social mobility, and his hopes for a new Government to bring positive change.
- Blog
- Lived experiences
11 October 2024