A Christmas beyond breaking point

Dad sat with his two young children, all three are staring at the camera with sadness next to a Christmas tree
Your gift is vital to lift the pressure of debt for a family at breaking point. 
Man looking at the camera with sadness. There is a dark background around him

Looking back, I can’t believe my family made it through Christmas time last year. 

Paul 

Paul and Sam were surviving, not thriving

Millions of families across the UK are worried about making ends meet this Christmas. Many fear they won’t be able to give their children gifts, put enough food on the table, or manage rising energy bills.

This was Paul and Sam’s reality last Christmas. 

Paul ran a joinery business with his wife, Sam. With the cost of living making materials double in price, things became critical. Stress caused Paul to have a stroke at aged 44, and their life collapsed around them under the weight of debt.

Parent sat with his two children, the boy is sat on his lap. All three are looking at the camera with sadness

We couldn’t think about anything other than surviving one day to the next. 

Paul 

Did you know?

3 in 10 
children in the UK live in poverty – around a third of every classroom (Joseph Rowntree Foundation) 
Green envelope icon with a pound sign coming out of it.
60% 
of CAP clients had to borrow money to pay household bills 
A person with a fuzzy squizzle next to their head, representing thoughts, emotions, or mental health.
23% 
of CAP clients gave mental ill-health as the primary reason for their debt crisis 

They became prisoners in their own home

Paul had no option but to close the business for good due to his health issues. Enforcement agents then came knocking at their door. 

They’d bang on the door so loudly that it sounded like the police, sometimes at 7:30 in the morning. We’d keep the curtains closed and tell the kids to hide upstairs, but the bailiffs would sit outside the house for hours, and we couldn’t leave. 

Sam 

Paul and Sam’s family had an unbearable Christmas

On 6 December 2023, Paul and Sam called CAP and booked the first available appointment in January. In their darkest moments, Paul and Sam’s family needed someone to help them to meet their basic needs, to give them the breathing space to address the crushing issues they were facing.

A family of two parents and two children, sat on a sofa next to a Christmas tree, looking at the camera with sadness

I can’t describe the relief we felt knowing that help was coming, but we still had an anxious wait ahead of us and, with it, an unbearable Christmas. 

Paul 

Paul and Sam couldn’t afford Christmas gifts for the kids, so they put together a few things they’d need anyway, like toiletries and socks, plus sentimental items like family photos. 

The children were so grateful, but having to do that really hurt us – it felt like we’d failed to protect them from the impact of our debt situation. 

Paul 
Eden has written to let you know how Christmas felt last year

Paul and Sam’s future is brighter because of your generous giving

Paul and Sam turned to their church, community, and CAP. Their church kept their faith alive, offering food parcels, prayers and encouragement. The community provided childcare and support. CAP stepped in with practical debt help. 

A couple sat on the sofa hugging, both are wearing Christmas jumpers and sat next to a Christmas tree

We wouldn’t have managed without the support we’ve had, I don’t think we would still be married. 

Sam 

This year, Christmas will look very different.

Paul and Sam are now debt free through DRO and Bankruptcy options, and they can now make memories that they can cherish forever.

Two siblings decorating a Christmas tree in their living room, both are wearing Christmas jumpers

As you read this, there are countless others facing a Christmas of pressure and worry. 

Paul 

Please will you provide a lifeline for a family at breaking point this Christmas?

In the true spirit of Christmas, you can help bring joy and hope to a family like Paul and Sam’s, making this Christmas a far brighter one than last year.

Join the 2024 Christmas Appeal by donating to help make Christmas more joyful for struggling families.

Will you be there for a family like Paul and Sam’s?

When debt pushed our family to breaking point, your support gave us a vital moment to breathe. 

Paul 
Family of two adults and two children, sat in front of the Christmas tree wearing Christmas jumpers, holding a '2024' sign.
Two children putting up Christmas decorations

Find out how you can give as a church

Give today and help people like Paul and Sam who are facing Christmas with nothing.

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