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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.

CAP responds to the Civil Procedure Rule Committee’s consultation on enforcement of possession orders

calendar26 April 2019

At present, you can go through the County Court or High Court to evict someone. It's a quicker process through the High Court and the evictee receives no notice of the time or date of their eviction. CAP is in support of bringing in a statutory notice period for High Court, as there is in the County Court, which would help people make alternative housing arrangements or provide more time for them to seek advice. We are also in support of bringing in safeguards to prevent cases being unnecessarily transferred to the High Court.

Read the full document here

Stacked against report

calendar21 March 2019

CAP carried out a study of over a thousand clients to see what additional difficulties affect people in debt. The report shows how these problems combine to intensify situations and takes a fresh look at what vulnerability means in practice.

Read the full document here

CAP responds to the FCA’s consultation on Buy Now Pay Later (BNPL) offers

calendar18 March 2019

CAP welcomed the opportunity to respond to the FCA’s latest consultation in their high-cost credit review. We are pleased to see the FCA propose reforms to help ensure BNPL deals and the risks involved are clearly communicated from the outset. It was concerning, however, to learn that half of BNPL deals are not repaid within the offer period and that most consumers do not understand that they will be subject to backdated interest.

Read the full document here

CAP’s official response to the FCA’s consultation on overdrafts

calendar18 March 2019

CAP welcomes the opportunity to respond to the FCA’s latest consultation on overdrafts. We welcomed the move to align the cost of unarranged overdrafts with arranged overdrafts, as well as the requirement for firms to do more to tackle repeat use. The ability for customers to compare the cost of their overdraft with other credit products using an APR percentage and online tools was also welcomed, but CAP is concerned that those who are digitally excluded may not be able to access these benefits.

Read the full document here

CAP’s official response to the Ministry of Justice’s Call for Evidence on their 2014 bailiff reform

calendar15 February 2019

CAP has submitted evidence to the Ministry of Justice, looking at how the 2014 rules and regulations are working in practice. Whilst we appreciate that there is much good practice within the enforcement sector, without a regulatory body bad practice does still exist. Our response highlights the severity of bad practice and the hugely detrimental impacts it can have on an already unpleasant experience. As well as calling for a regulatory body, we would like to see a clear and easy complaints procedure, as well as better incentives for enforcement agents to treat debtors fairly.

Read the full document here
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Other and previous reports:

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:

Dawn Stobart
Director of External Affairs

Rachel Gregory
Social Policy and Relationship Manager

Kiri Saunders
External Communications Manager

Jonathan Shaw
Creditor Relationship Manager

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