Our annual Client report unpacks the experiences of thousands of people who we’ve supported through debt, presenting data and stories from across our debt help service each year.
In 2022, the cost of living continued to rise, while household incomes fell behind. Rates of priority debt went up, and more people struggled to pay household bills. We saw higher demand for emergency food shops, fuel vouchers and help with essentials.
In Taking on UK poverty, we found that over half of CAP clients’ budgets were unsustainable due to low income. More people are being driven to extreme poverty and destitution, and one in two CAP clients have considered or attempted suicide before seeking help. Now is the time to come together and fight back. Because poverty isn’t going anywhere unless we do something about it. Read our latest client report and find out how, together, we can take on UK poverty.
As the cost of living continues to rise across the UK, millions of households are being pushed to the very edge, one move away from being plunged into the chilling depths of poverty. In On the edge, we explore the reality of living in debt and poverty in the UK in 2022 through the experiences of our clients, and what’s driving people to a place of financial crisis. We also dig into what can be done to pull people from the depths, and prevent them from getting there in the first place.
The ‘Our story’ report is about real people’s lives: the stories behind the statistics. As we commemorate 25 years of helping people to escape poverty and write new stories for themselves, we also look back on a year where the pandemic intensified the impact of life on a low income.
The 2020 CAP Client report brings together 1,217 responses from our annual client survey, alongside other CAP data. It explores the consequences of poverty, as well as the multiple complex needs that often come hand in hand with debt, unemployment or addiction. The report highlights the importance of partnership and exemplifies how creditors, referral agents, frontline staff and the local Church can all work with CAP to tackle poverty in the UK.
For the first time, the Client report includes CAP Life Skills, CAP’s newest service. Run as a community group meeting each week, CAP Life Skills looks at the wider issues surrounding money management. This includes relationships, health and wellbeing and organisational skills. CAP Life Skills was officially launched in March 2017, after an 18-month pilot.
The 2019 CAP Client report focuses on the realities faced by clients like Nicky. Having grown up surrounded by money worries and moving in and out of abusive relationships, Nicky faced constant battles with mental ill-health and growing debts. She felt like a failure and saw no hope for the future until Ken from CAP visited her.
Like Nicky, millions feel stuck in an inescapable cycle, facing mounting debts and relentless poverty coupled with seemingly insurmountable personal difficulties. The people we meet at CAP have not only disengaged from their creditors, but are often completely isolated. Going to bed hungry has become the new norm and many have no means to buy or repair essential household items.
In 2018, CAP helped 24,300 adults and children in situations like Nicky’s (inclusive of those interacting with more than one service), bringing stability, providing tools and the self-belief needed to move forward.
The 2016 Client report looks back on the journey CAP has taken and acknowledges the 293 debt centres, and the journey of 2,598 people becoming debt free in 2016. But going beyond the numbers, this report recognises the personal journey clients like Mark go on from living in despair to having hope of a life beyond debt.
The 2015 Client report brings together 1,600 responses to our annual client survey, along with other CAP data, this report shows the substantial extent of debt, poverty and vulnerability amongst the clients we serve. For the first time it also features our newest service, CAP Release Groups, which offer support to those struggling with life-controlling dependencies such as smoking or gambling. This follows an 18-month pilot, which saw 28% of members achieve a self-set goal. Now in our 20th year, we have long seen the impact addictions have on those in financial difficulty, and we are thrilled to be able to offer a more complete solution to clients affected by multiple difficulties. Follow the link below to see our key findings and download the report.
The 2014 Client report details our growth and work in 2014, as well as the findings of our annual client survey. The report details the key demographics of our client base and how debt has affected them, with findings from our latest research showing that on average our clients faced a minimum of 30 years in debt before CAP’s help. In addition there are special focuses on welfare reforms, prepayment meters and vulnerability.