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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.

Latest updates

#NoShameInDebt - CAP backs campaign to abolish the public individual Insolvency Register

calendar09 June 2021

CAP has joined the Financial Wellness Group in calling for an end to the public insolvency register. When someone goes through an IVA, bankruptcy or a Debt Relief Order their personal details are published online in the individual insolvency register and the London Gazette. This is one of the factors that contributes to the stigma of bankruptcy and can also make people a target for marketing. The campaign aims to create discussion about what could replace it, for example a quasi-private register like that created for the Breathing Space scheme, which would only be accessed by people with legitimate interest. You can add your support by signing the petition. Read more here.

CAP backs MMHPI’s Set up to fail campaign

calendar26 May 2021

The Money and Mental Health Policy Institute’s (MMHPI) latest research finds 1.3 million Universal Credit claimants are experiencing significant distress, and yet getting third party help is difficult and confusing. This is an issue that makes it more difficult for CAP to help people who are receiving Universal Credit and struggling with debt. We have added our support to the Set up to fail campaign which sets out recommendations to make it easier for people to get help with Universal Credit including better third party access systems, a simpler system and a design that maximises privacy and autonomy. Find out more and sign the petition here.

CAP backs the End the Young Parent Penalty campaign

calendar21 May 2021

CAP has joined One Parent Families Scotland and other anti-poverty charities in calling on the UK Government to end the young parent penalty in Universal Credit. Under 25s are entitled to lower benefit allowances but before Universal Credit there was an exemption for young parents who were caring for children. This is no longer the case and children are being pushed into poverty as a result. Over a quarter (28%) of new CAP clients, struggling with problem debt, in 2020 were single parents and low income is the most common reason why they find themselves in debt which highlights the need for this issue to be addressed. Read more about the campaign and how to support here.

Breathing Space - new scheme launched in England and Wales giving 60 days respite from debt collection

calendar04 May 2021

Today marks the start of the Government’s Breathing Space scheme (officially the Debt Respite Scheme). A breathing space gives someone in problem debt legal protection from creditor action for up to 60 days while they seek debt advice. CAP will be able to make applications on behalf of clients eligible for the scheme, along with other FCA authorised debt advisors in England and Wales. Read our blog about what it hopes to deliver for people in problem debt. 

Our story: Client report 2021

calendar29 April 2021

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. Download the report today.

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Other and previous reports:

Simplify the Solution Client Report 2020 Unlocking a new start Client Report 2019 Left destitute by debt Checking in Powerless People The Freedom Report Never just a number The case for fairshare Setting the pace Offline and shut out The poor pay more Client Report 2018 Client report 2016 Client report 2015 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:

Rachel Gregory
Social Policy Manager

Kiri Saunders
Relationship Manager

Jonathan Shaw
Creditor Relationship Manager

Paul Walmsley
Energy Relationship Manager