Policy and Government

At CAP we don’t want to just treat the symptoms of poverty; we also want to address the causes. That’s why we’re working tirelessly behind the scenes to shape and influence the policies that affect our clients. It means we get to speak on behalf of the vulnerable to the people with the power to change their lives. And our voice is growing louder.

Industry professionals seek our opinion on current issues, and our recommendations get heard in Parliament. Change is happening. Below are some of the ways in which we are fighting for justice amongst the country’s key decision-makers.

Consultation about the FCA’s proposal on guarantor lending

calendar25 November 2016

CAP recently submitted a consultation response to the Financial Conduct Authority (FCA) about the revised proposal on guarantor loans. Guarantor lending is high-risk for consumers, as it is lending secured on relationships. In this response we welcomed the proposed guidance, which ensures guarantors are appropriately notified where there is a breach of agreement. The revised proposal created opportunities for increased communication with guarantors, for instance notifying them as soon as payment problems present themselves. We also stated how important it is to fully inform guarantors of the risks and the meaning of the term default. To read the full response click below.

Read the full document here

CAP honoured with Credit Industry award

calendar25 November 2016

On Thursday 24 November, CAP was honoured to attend the annual Collections & Customer Service Awards 2016 at The Midland Hotel in Manchester. CAP's Founder, John Kirkby, was in attendance and was one of five to scoop the Decade of Pioneers Award. The prize seeks to honour those who have made a difference in the Credit Industry over the past ten years through their work.

Dawn Stobart, CAP's Director of External Affairs, who also attended the awards ceremony, said, 'As CAP celebrates its 20th year, it is fitting to recognise the incredible contribution CAP’s Founder, John Kirkby, has made to tens of thousands of lives and the wider Credit Industry.

'We are delighted he has received one of just five Decade of Pioneers Awards. John’s pioneering influence has been clear to see since he founded CAP in 1996. His unfaltering enthusiasm and commitment to helping our clients is infectious and we are so pleased to see him honoured in this way.’

Protecting vulnerable customers when installing prepayment meters under warrant

calendar09 November 2016

Ofgem have made their final proposals to ensure customers are protected in the process of installing prepayment meters (PPMs) under warrant, including capping charges at £100/£150 and prohibiting charges altogether for customers in vulnerable situations. We have inputted into the development of these proposals and have now written a letter to welcome the strong stance Ofgem is taking with these final proposals. This is an important step but we continue to raise our wider concerns about the experience of PPM users. Read our full response to Ofgem’s final proposals below.

Read the full document here

Mark Cowley wins Insolvency Manager of the Year at Tri Awards 2016

calendar20 October 2016

CAP has scooped another national award – this time for our Insolvency team. Mark Cowley, who heads up our dedicated staff in this area, won the title of Insolvency Manager of the Year in the TRI Awards 2016 (formerly known as the Insolvency & Rescue Awards). Mark was honoured, alongside members of CAP’s dedicated insolvency team, at a glittering ceremony at the Hilton Park Hotel in London, thanks to support from a judging panel of industry experts.

He said, ‘We’re so excited and encouraged to have won this award. It’s great to see the hard work of all the team at CAP being recognised, including our efforts to find and provide the best solution for our clients to get out of debt. We’re also so pleased the consultation work we have been doing within the wider insolvency sector has been noted, which helps improve things beyond just our own client base. It really is wonderful to know that we have been able to help and support so many people who would otherwise have been trapped in unmanageable debt, and we are so encouraged by this acknowledgement of our efforts from the insolvency industry.’

See the full list of winners here.

Meeting with Scottish MPs in Parliament

calendar12 October 2016

SNP MP for Edinburgh South, Joanna Cherry, invited CAP to share about CAP’s services with other Scottish MPs in Parliament. We were able to share our passion for the poor and most vulnerable with nine MPs from across Scotland, many of whom were inspired to increase coverage in their constituency through supporting their local churches and to refer to our services in their area.

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Previous reports:

Client report 2014 Client report 2013

Introducing CAP's External Affairs team

Meet the team representing CAP and building relationships in the credit and debt advice industries, as well as the third sector and with the Government:

Dawn Stobart
Director of Debt Management & External Relations

Helen Webb
External Relations Manager

Rachel Gregory
External Relations Analyst

Daniel Kelly
Creditor Relations Manager

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