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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

CAP responds to the FCA’s vulnerability guidance consultation

calendar30 September 2020

CAP has responded to the Financial Conduct Authority's (FCA) latest consultation on the Guidance for firms on the fair treatment of vulnerable customers. This revised Guidance comes at a salient time, as many firms are facing new challenges and preparing for the anticipated increase in the number of customers in vulnerable circumstances. In general, CAP welcomes this Guidance, which is thorough and if implemented well, will help vulnerable customers experience good outcomes. Read our full response below. 

Read the full document here

HM Treasury’s Comprehensive Spending Review 2020

calendar22 September 2020

The Government is currently undertaking a Comprehensive Spending Review to establish their spending plans for the next 3-5 years. These decisions could not be more key with so much economic uncertainty and low income households at the sharp edge. CAP has submitted a representation to the Review setting out what we consider to be the key priorities for welfare spending, debt collection, fuel poverty and local government. These include permanently extending the £20 per week uplift to Universal Credit and Tax Credit payments, increasing the Local Housing Allowance (LHA) to the 50th percentile of local market rents and ring fencing funding for local councils to provide 100% Council Tax Support to low income residents. Read our full list of priorities via the link below.

Read the full document here

CAP responds to the Fairness in Government Debt Collection call for evidence

calendar21 September 2020

The current approach to debt management is problematic and inconsistent across both local and central government organisations. Over the last decade CAP has seen a threefold increase in the average amount of priority debt owed by clients, and with Covid-19 impacting many household finances, this call for evidence has come at a pertinent time. In order to provide holistic support to the growing number of people in debt, the Government must increase flexibility, work out more affordable repayment options and improve its communication with debtors, to name a few. Read our full response below. 

Read the full document here

Keep the lifeline. Keep families afloat. Keep doing the right thing.

calendar14 September 2020

Along with 60 other anti-poverty charities, CAP is backing the #KeepTheLifeline campaign calling on the Government to act now to strengthen social security and support us in the recovery. The £20 uplift in the standard allowance of Universal Credit and Working Tax Credit has been a lifeline for many families as they’ve struggled to get through the coronavirus storm – but it is due to end in April 2021, whipping the lifeline away and cutting people adrift. To steer our society through the rough seas ahead of us, it’s vital that the Government continues to do the right thing and act with compassion to keep us all afloat and support the recovery. In doing so, the lifeline must also be thrown to people on legacy benefits, the majority of whom are disabled people or the people caring for them.

Read the blog here

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

calendar21 August 2020

CAP has responded to the long-awaited consultation from Ofgem on self-disconnection and self-rationing. We are happy to see Ofgem address this area, particularly that suppliers will have to monitor customer behaviour and identify self-disconnection where they can. CAP would like to see Ofgem prioritise prepayment customers with the smart meter roll-out to ensure the more vulnerable groups get further protection from this.

Read the full document here
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Other and previous reports:

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

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