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Paul’s story

calendar06 April 2017

John Kirkby's avatar John Kirkby

Paul’s story

We were so touched last week when Paul, who won our 2016 Inspiration Award, decided to spend his prize of hotel vouchers coming to Bradford to say thank you!

Paul went debt free in March, so it was perfect timing for us to celebrate this and his changed life!

YOU are the reason Paul is now debt free, is beating his mental health struggles, and has a relationship with Christ. This is only possible because of your love and support.

Watch the video to see just how grateful he is for what you've done! This is just one of thousands of lives you'll change this year.

Thank you,


Change lives, be changed: one CAP intern’s story

calendar29 March 2017

Lydia Gray's avatar Lydia Gray

Change lives, be changed: one CAP intern’s story

This time last year I was in Australia, starting off on a trip where I’d be exploring the world and soaking up new cultures and experiences. I took a year after graduating from university to go home and save up some money so I could go travelling. It was something I’d wanted to do for so long, but I also needed time to figure out what I wanted to do afterwards – which career I wanted to pursue.

My history degree taught me to construct a rational argument, and a fair amount about 20th Century Eastern Europe, but didn’t particularly narrow down my career options. When I graduated, the only thing I was sure of was that I wanted to work towards something good. I’m passionate about social justice and have a great desire to uplift the underprivileged, so I prayed that God would lead me to something which would help me do that; something which I could get behind and channel my passion and energy into – which he did!

I was told about CAP’s paid internship programme, Lead, by a good friend of mine from my church in Leeds, Emma, who had done it while I was in my third year of study. She had loved it, and was convinced that I would too. Although my home church has been a CAP Debt Centre for twelve years, I hadn’t fully grasped the amazing impact that CAP was having, even in my own community. So, while at home, I investigated it a bit more and volunteered as a befriender for Jo-anne, our Centre Manager. I saw real, tangible change happening in the lives of local people – practical solutions to poverty and the things trapping people in it. This, and the passion and drive of both Emma and Jo-anne, convinced me to apply for Lead!

I won’t lie, I didn’t really know what I was getting myself into when I applied! I wasn’t sure if CAP’s head office would be full of slightly ‘unreal’ Christians or if interning would be just constant tea rounds. But instead (although there is definitely a lot of tea!) I found:

A community, not only amongst my fellow Lead interns – an awesome bunch of people in exactly the same position as me, with the same nerves and concerns – but also throughout the staff at head office. At the beginning of the year we were integrated into head office teams based on our skill sets and preferences, and I found myself in the very lovely IT department. They welcomed me in and soon made me feel valued, as did people from other departments too. In particular, I’ve met some awesome women who have showered me in compliments, encouraging words and wisdom!

An opportunity to grow (even in areas I didn’t think I needed to grow). Every Wednesday we have a day away from our teams, focusing on personal development in seminar-style sessions. I thought these sessions would be my least favourite part, I didn’t think there’d be too much to learn about myself – but I was definitely wrong! For instance, I’ve learnt that I have terrible boundaries (I’m still figuring out how to say ‘no’ properly, a habit I caught from my mum) and that not everyone likes hugs as often as I do!

A chance to strengthen my relationship with God. There’s something really special about spending every day around Christians. Although it’s important not to get stuck in a Christian ‘bubble’, it’s also been such an awesome opportunity to let my guard down and explore my faith. CAP is not a church, but it has provided time to connect with God and some challenges to my view of him.

The opportunity to do incredible work. No matter which team you find yourself in, you’re contributing to the lifting of debt and poverty from thousands of people. This year has offered me chance to get valuable experience in the charity sector, and work on my professional development alongside experts in their fields. Lead is a great insight into the inner-workings of an award-winning, international charity, and what exactly keeps it all going.

As I write this, I’m halfway through my Lead adventure and I can safely say I have already learnt a lot. Not only about the charity sector, or about CAP, but about myself (as cringey as that may sound!) I’ve made some incredible friends who I won’t be letting escape anytime soon, and developed more confidence in myself and the plans that God has in place for me. I’ve gained experience and skills that I’ll be able to take with me into whatever lies ahead!

So, if you find yourself passionate, driven and wondering where to adventure next, take a look at Lead!

To find out more about CAP's year-long paid internship programme, Lead, and to apply, click here.

Which biscuit sums up your spending habits?

calendar24 March 2017

Gemma Pask's avatar Gemma Pask

Which biscuit sums up your spending habits?

1. You’re in the supermarket and come across a deal offering two tubs of margarine for the price of one. What do you do?

A) Think ‘Bargain!’ and get four tubs for the price of two, even though you already have a couple unopened at home.

B) Pace up and down the aisle for a while, pick up the tub, put it down, pick it up again, put it down again, leave the shop. Dry toast isn’t that bad, is it?

C) Ignore the deal and go for a more expensive brand on the shelf above. After all, the advert said this margarine makes you instantaneously better at your job and three inches taller - wow!

D) Margarine? Who needs that? You’re in the clothes aisle looking at multi-coloured bandanas.

E) Only go for the offer if you’re sure you can fit the second tub in the freezer.

F) Get one for you and the other for your elderly neighbour.

G) Leave it – you know there’s a much better offer on margarine in the supermarket up the road.

H) You can’t afford fancy margarine. Supermarket own brand lard it is.

I) Buy several dozen tubs – Christmas is around the corner and there are cakes to be baked!

2. Your car breaks down and the mechanic tells you it’s not going to be cheap to get it fixed. What’s your first thought?

A) ‘Didn’t I see a garage down the road offering half price repairs?’


C) ‘Looks like a new car is in order then.’

D) ‘How on earth will I afford it? I just spent £300 on a set of plates!’

E) ‘No problem, I should have enough in my savings account to cover the cost.’

F) ‘Oh no, I promised I’d give my mum a lift to the nail salon later – perhaps if I offer to pay more they’ll fix it sooner?’

G) ‘Rip off!’

H) ‘Looks like I’m walking to work for the foreseeable future then.’

I) ‘That’s a shame, I was saving up for Christmas presents. Wait, what did that advert say about payday loans?’

3. It’s 100 days to Christmas and you’re about to start shopping for presents. How do you prepare?

A) Dig out the coupons and loyalty vouchers you’ve been accumulating through the year – time to bag some bargains!

B) Have a small meltdown before calling all your friends to tell them Christmas is cancelled.

C) Suggest a £5 Secret Santa to your colleagues, and start pricing up a Rolex watch for your granddad.

D) Hit the shops and fill your baskets with anything you can get your hands on – Martha from HR totally wants a wobble-head for her car, right?

E) Have a quick check over your budget, then head to the cash machine to withdraw the amount you’re allowed to spend on presents.

F) Buy several dozen tins of chocolates – one for everyone you know, plus a few extras just in case you meet anyone new before December.

G) Write out a gift list for each person, get online and compare prices.

H) Panic. Just panic.

I) Call your bank to increase your credit card limit.

4. You’re about to check your savings account – do you know how much is in there without looking?

A) Not exactly, but there should be a little bit left after you got a great deal on your package holiday.

B) Yes, but you haven’t withdrawn from that account in several years.

C) Yes, you’re saving up for something special.

D) Sort of, you regularly dip into your savings for your morning coffee and bagel.

E) Yes, you have a monthly standing order and only withdraw money when it’s absolutely necessary.

F) No, but you know how much is in your brother’s account – you lent him it just yesterday.

G) Yes, you’re always moving your money between banks to make sure you’re getting the best rates.

H) No, and you daren’t look.

I) Depends what month it is.

5. A group of friends suggests going on holiday together over summer. Where do you suggest to go?

A) Any place that’s included on the voucher you got in a pack of yoghurts last week.

B) You have ideas but panic about the cost and decide to stay at home instead.

C) A stunning resort in the south of France – it’s a once in a lifetime chance!

D) Greece. Great nightlife and street stalls.

E) A city break in New York. You’ve been saving up in case they asked.

F) Let them decide amongst themselves and even offer to pay for a friend who’s on a low income.

G) Tell them to hold off booking anywhere until you’ve compared flight prices.

H) You know you can’t afford to go anywhere on holiday this year, but you nod along to their ideas anyway and start thinking up an excuse to get out of it.

I) London, early December. Just think of all the Christmas presents you could buy!

Now click below if you scored:

Mostly As | Mostly Bs | Mostly Cs | Mostly Ds | Mostly Es |

Mostly Fs | Mostly Gs | Mostly Hs | Mostly Is | Every letter different

Rising household costs – what can you do?

calendar21 March 2017

Marianne Clough's avatar Marianne Clough

Rising household costs – what can you do?

You’re likely to have noticed that you might be spending more than usual on the basics. You’re right!

With the changes brought about by Brexit, there are bound to be some shifts in the costs of imports, fuel and more until things settle down (we hope!) With big changes going on way above most of our heads, it can all feel a bit overwhelming. We may well ask, ‘Is there anything we can really do?’

Someone once said to me, ‘Do what you can do – not what you can’t,’ and I can recommend this as a strategy when panic hits.

Yes, there are things we’d like to change – and maybe you’re up for going into politics to make that happen or you’re a big campaigner. All power to your elbow, if that’s the case! But, even if you make a big noise, you’ll still have to trust those in positions of authority to crack on and make the big decisions.

Some of it does land at our door, though, so which bits can we change?

Car travel costs

Petrol and diesel prices have soared up again since 2016, with a medium-sized petrol car now costing an average of £65.48 to fill.

What are your options?

  1. Empty your car of all the stuff you carry round then ensure your tyres are pumped to the correct levels. Leave more time for your journey so you’re not whipping round the neighbourhood like Lewis Hamilton – you will use less. Next, seek out the best fuel prices, and the best points deals. There's a handy website here, and they've got an app too.
  2. See if you can share your commute – loads of us do this at CAP HQ and it works very well. One last thought, you don’t have to wear fancy stuff to ride a bike.

Food costs

Rising food prices are one of the things that have pushed up inflation at the start of 2017. Staples like butter, tea, lamb and fish have all risen by more than 5% in the previous twelve weeks.

What can we do?

  1. It’s a good chance to look again at the way you do things. Supermarkets generally make their discounts with those fabulous yellow stickers after 5pm. So, if you like to live dangerously, this might be your chance to sweep by for a cheap meal.
  2. At CAP, we’re big fans of cooking from scratch. It will take planning (not my favourite) but oh, how smug you will feel to see the week’s meals ready planned and stuck to the fridge. Use the internet for budget meal suggestions and try it.
  3. You can learn more about meal planning and budgeting on a free CAP Life Skills course – enormous fun and seriously life-changing tips to boost your finances. Click here to find your nearest course.

Energy price rises

Five of the 'big six' energy companies have confirmed price rises. EDF Energy, Npower, Scottish Power and E.ON are all going up and now SSE are increasing electricity prices by a massive 14.9% from 28 April (gas will stay the same).

What can you do?

  1. Much has been written about switching but half an hour spent really could save you hundreds across the year. Dig out your last bill or two. Get yourself on uSwitch here or a similar site and see what can be done. Martin Lewis gives us the low down on why now is the time to seek out a better deal here.

Council tax

By now you should have received your council tax bill and it’s very likely to have gone up. Most councils have put up the cost by around 5%, costing the average Band D household another £50 a year and this is largely to pay for social care.

What are your options?

  1. Well, this is one you have to pay as a priority or life will get pretty awkward, pretty quickly. You’re probably already paying per month, which helps to split up the cost.
  2. If you’re unable to pay on a particular month, the key here is don’t wait for the council to contact you – speak to them straight away. See here for more info.
  3. In the longer term, you could do with making sure you’re budgeting as well as you can to make sure the important stuff gets paid on time. Try CAP Money - click here for details.

So, pour yourself a cuppa (because that is the answer to everything, right?) and start making the moves you can make.

Remember, if you’re in hot water with unpaid bills and out-of-control debts, you’ll need more than this. Don’t be alone with your worries. Call our helpline on 0800 328 0006 and chat to us about what’s happening.

There’s a bailiff at my door – what do I do?

calendar14 March 2017

Gemma Pask's avatar Gemma Pask

There’s a bailiff at my door – what do I do?

N.B. This information applies to people who live in England and Wales only.

There’s an enforcement agent/bailiff outside my house – what do I do?

  1. Lock your doors and don't let them inside. Talk to them through the letterbox. They can't take your stuff if they can't get in.
  2. It's not too late to get help with your debt. Call CAP on 0800 328 0006 now. If you're already a CAP client, call your caseworker team on 01274 761 999.
  3. Have a look at the following FAQs so you're clear on your rights.

What’s an enforcement agent?

‘Enforcement agent’ is the new formal name for a bailiff, someone who collects money on behalf of a creditor, by taking control of (or 'seizing') goods to cover the debt, arranging a payment plan and/or enforcing payment.

Should I let them in?

No, lock your doors and windows. In most cases (including Council Tax arrears), enforcement agents can only enter a property ‘peaceably’ or if you’ve given permission – which means, if a door is unlocked, they have every right to walk on in and take control of your belongings.

If there’s an enforcement agent at your door and they haven’t yet entered the property, talk to them through the letterbox. They can't take your things if you don't let them in. However, any items outside of your house are still fair game, so they could seize things like cars, bicycles and garden equipment if they’re on view.

What if they're threatening to ring the police and have me arrested for not letting them in?

Try not to panic; the police can’t arrest you for not allowing an enforcement agent into the property, nor can they help the agent to remove items.

The police would only get involved in order to keep the peace, so you should call them (as can the agent) if you're frightened or you feel there's a threat of violence.

What if they're trying to break in?

Only in a small number of cases can an enforcement agent lawfully use ‘reasonable’ force to enter your property – these include debts for criminal court fines and when collecting for a business debt in specific circumstances. Even if the enforcement agent is lawfully able to force entry, they may be reluctant to do this and will prefer to enter with your permission.

If you’re unsure, call your caseworker team immediately on 01274 761 999. If you think there’s a threat of violence then phone the police.

I haven’t had notice that they would be coming - is that allowed?

The law states that you have to be given at least seven days notice that an enforcement agent is going to visit your property (Sundays, bank holidays, Good Friday and Christmas Day don’t count). You’ll usually be notified in writing, and the notice will be headed ‘notice of enforcement’. It will detail who the enforcement agent is, who they’re collecting the debt for, and the amount you owe.

So if you have any unopened letters lying around, you’ll need to have a really good look through to see if you’ve been sent this notice. If you genuinely haven’t been notified, the agents will have to come back later.

However, there are exceptions to this rule that you need to be aware of. For example, as soon as you receive the notice of enforcement, your belongings are what’s called ‘bound’ and you’re not allowed to get rid of them – if the court feels there’s significant chance that you may remove or dispose of items from your property to stop them being taken by an enforcement agent, they can make an order that allows a shorter notice period to be given. The rules also differ for enforcement agents from the high court and magistrates’ court – if you receive paperwork from either of these, call your caseworker team on 01274 761 999.

They've made entry into my house – what now?

Once an enforcement agent has entered your property, they’re allowed to take control of items (to cover up to the value of the debt you owe, plus the enforcement agent fees). The most common way they will do this is by making a Controlled Goods Agreement (CGA), a list of the seized goods that both you and the agent must sign and date.

Once a CGA is in place, the agent will return at a later date to collect the goods and sell them to cover the debt, if it hasn’t been cleared in full in the meantime.

When you sign the CGA, you’re agreeing not to remove, dispose of or damage the items listed before the debt has been repaid in full or they’re collected by the agent – to do so is a criminal offence.

Before you sign, make sure the CGA clearly lists all the seized items and details the terms of any repayment plan you’ve agreed with the agent. There are certain rules about what enforcement agents can’t seize, so make sure the CGA doesn’t include:

  1. Any items belonging to children
  2. Any items needed for basic day-to-day living, including your bedding, clothing, furniture, fridge, oven, washing machine and other similar household items
  3. A vehicle which has any outstanding Hire Purchase owing on it
  4. A vehicle which has been purchased under the Motability Scheme
  5. A vehicle that has a valid disabled person’s badge displayed on it (the blue badge)
  6. Any items necessary for someone’s employment or trade, up to a value of £1,350
  7. Items that belong to someone else, although it’s down to you to provide proof of ownership, so get searching for any related paperwork pronto (items that are co-owned by you and someone else are different – these can be seized, but if they’re sold 50% of the money raised has to be paid back to the joint owner)

Since making entry into my house they've gone outside again – should I lock them out?

If an enforcement agent has already been inside your property and taken items into control, they’re allowed to use reasonable force to re-enter, so it’s best not to lock them out (or indeed in).

It’s the middle of the night and there’s an enforcement agent at my door – what do I do?

Enforcement agents aren’t allowed to visit your property between 9pm and 6am. If they call between these hours, you can refuse them entry and complain to the enforcement agents’ head office, or phone the police if you feel you're being harassed. Be aware that they can return at any time outside the restricted hours – that’s after 6am and before 9pm.

My child has just called to say they’re home alone and there’s a bailiff at the door – what do I do?

Enforcement agents have to leave if they suspect that only children under the age of 16 are in the house. Tell your child to communicate this to them through the letterbox, and give them a time to call back when you’re going to be home.

CAP has teamed up with a number of UK debt advice agencies and charities to campaign for change to bailiff law. To read the full report, click here.

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