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.
21 July 2021
Financial and mental wellbeing are central planks that allow us to plan, connect and have control over our lives. Problem debt, low income and some welfare policies can have a harmful effect on people’s financial wellbeing. This report considers the role that debt advice, creditors and government can play in improving the financial and mental wellbeing of the UK population and helping people move on from problem debt for good. Click here to read more and download the report.
Read the full document here
05 July 2021
CAP has responded to the Department for the Economy's consultation on a new energy strategy for Northern Ireland. This proposed strategy is founded upon the objective of reaching net-zero carbon emissions by 2050. In our response we outline why, although an important goal, the move to net-zero cannot leave behind those on low incomes, nor can we expect them to foot the bill for it. We welcomed proposed improvement in communications, particularly the creation of a knowledge hub for consumers seeking help and support for private rented tenants. Technology also presents a great opportunity for improvements in the consumer experience, but must remain accessible and simple for the end user in all cases.
Read the full document here
09 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.
26 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.
21 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.