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 DCMS’ consultation

calendar01 April 2020

CAP has repsonded to the Department for Digital, Culture, Media and Sport's consultation on the decriminalisation of TV licence evasion. CAP believes that decriminalising TV licence evasion is the right move, but that careful consideration needs to be given to shaping any alternative model. For many people today a TV licence is essential for social inclusion and it provides an inexpensive form of entertainment when living on a low income. In CAP's opinion a civil debt model would significantly improve the proportionality of TV licensing enforcement and limit additional financial burdens placed on those in financial difficulty. To read more, please click below.

Read the full document here

CAP responds to FCA Open finance call for input

calendar18 March 2020

CAP has responded to the FCA's Call for input: Open finance. Open finance has the potential to offer many benefits to both consumers and financial services, including the debt advice industry. That being said, CAP is concerned that for those on low incomes or who have multiple and complex needs may not benefit from all that open finance has to offer. CAP would like to see the FCA work to support all consumers in being able to access open finance, whilst ensuring that regulation protects consumers. To read more, please click below. 

Read the full document here

A dark place

calendar26 February 2020

The majority of low income households cannot afford the cost of the energy they need to live safe, warm and well. Over half (55%) of CAP clients have rationed their energy at least occasionally in the last two years, with three in ten (29%) doing so weekly. CAP's latest report, A dark place, based on research from a survey of 1,000 CAP clients, as well as five focus groups, leaves no doubt that many people are starving themselves of heating, light, hot food and hot water to keep costs affordable. We must do more to ensure everyone can live safe, warm and well. To read the report, click below.

Read the full document here

CAP responds to the Centre for Social Justice (CSJ)‘s call for evidence

calendar03 February 2020

We welcomed the opportunity to feed into the CSJ's research project on the rise in debt owed to government authorities, as well as the quality of public bodies' debt collection practices. Whilst CAP acknowledges that government authorities have improved aspects of their debt collection approaches in recent years, the overall approach still remains problematic and inconsistent. To read more, click below.  

Read the full document here

CAP responds to Ofcom’s consultation

calendar20 November 2019

CAP welcomed the opportunity to respond to Ofcom's consultation on Treating vulnerable consumers fairly. This proposed guide was a great step towards better treatment of vulnerable customers, however, CAP is concerned that because it is only a proposed guide, it will be too light touch to see significant changes in the communications industry. 

Read the full document here
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Other and previous reports:

Unlocking a new start 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:

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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