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

Ending the poverty premium

calendar08 October 2019

With a potential election looming, CAP has joined forces with Fair by Design, StepChange and a group of other think tanks and charities to back a set of manifesto asks to end the poverty premium. Fair by Design is a movement dedicated to ending the extra costs of being poor faced by ten million people in the UK. The recommendations span credit, energy, insurance and government debt collection. Read more here.

CAP’s response to the FCA consultation on its Guidance for firms on the fair treatment of vulnerable customers

calendar03 October 2019

We are pleased to be able to respond to this important consultation from the FCA, which is detailed and thorough, with helpful case studies sharing good and bad practice. However, the main concern CAP has with this draft Guidance was its status as non-Handbook guidance. If universally adopted and implemented well, the recommendations within the Guidance would see a substantial improvement on the treatment of vulnerable customers.

Read the full document here

CAP at the political party conferences

calendar02 October 2019

Over the past couple of weeks our team has been at the Labour and Conservative party conferences. Between them they’ve represented CAP at 24 meetings and events, connecting with others working to tackle UK poverty. Rachel Gregory, CAP’s Social Policy Manager said:

‘While it’s been an interesting and turbulent time politically, there are lots of vital issues that we cannot take our sights off. We’ve attended events about food poverty, financial inclusion, bailiff regulation, Universal Credit and loneliness to name a few. My favourite quote from this week came from Alison Garnham, CEO of the Child Poverty Action Group (CPAG), who said, "Poverty is policy responsive, if we do the right things it goes down". That’s why, while the conferences are over for another year, we will continue to speak out to see the changes needed.’

CAP’s response to Ofgem’s consultation on self-disconnection and self-rationing

calendar24 September 2019

We are pleased to be able to respond to Ofgem's latest consultation on self-disconnection and self-rationing. This topic is particularly pertinent for CAP's clients, with more than half (53%) on a prepayment meter having self-disconnected. We are glad that Ofgem is looking into solutions, and were particularly pleased to see the Ability to Pay principles put into license conditions. However, there is concern that there is no detail on what sustainable support would look like for those experiencing long term self-disconnection.

Read the full document here

CAP’s response to the Business, Energy and Industrial Strategy’s consultation on their fuel poverty strategy

calendar12 September 2019

Fuel poverty is still very much present in the UK today, with one in five of CAP's clients going without heating on a daily basis during winter, and so CAP welcomes this important review of the fuel poverty strategy. However, we felt that the strategy failed to address the range of factors that contribute to fuel poverty and needed to be backed by adequate resources in order to achieve the targets set out.

Read the full document here
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Other and previous reports:

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:

Dawn Stobart
Director of External Affairs

Rachel Gregory
Social Policy Manager

Kiri Saunders
Relationship Manager

Jonathan Shaw
Creditor Relationship Manager

Paul Walmsley
Energy Relationship Manager

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