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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

Simplify the solution - new CAP report

calendar09 February 2021

CAP’s debt help service supports people in finding a route forward. Often, this is through an insolvency solution that provides a fresh start for people with insurmountable financial difficulty. However, too many people face roadblocks that make finding a route out of debt impossible. CAP’s latest report, Simplify the solution, examines how the Debt Relief Order (DRO) can be improved to ensure debt relief is effective, accessible and affordable for all. Click here to read Simplify the solution.

Read the full document here

All-Party Parliamentary Group (APPG) on Poverty call for evidence

calendar08 January 2021

The APPG on Poverty has launched a call for evidence on the impact of ending the temporary Covid-19 £20 uplift in universal credit and tax credits. As well as, the impact of not extending the uplift to legacy and other benefits during the Covid-19 pandemic. CAP has entered a submission detailing our concerns for CAP clients who stand to lose this vital lifeline and those who were unjustly excluded from it. This evidence will help inform the APPG’s representations to Government on this issue. 

Read the full document here

Breathing Space and changes to the FCA Handbook

calendar04 January 2021

The Financial Conduct Authority (FCA) has proposed several minor changes to their rules and guidance to ensure that they do not contradict new legal requirements for debt advisors and consumer credit firms under the Breathing Space scheme regulations which commence in May 2021. CAP has responded to the consultation to support the proposed changes to the consumer credit guidance, but to stress the need for further changes to be kept under review and for some clarifications to be made in the debt advice rules and guidance too.

Read the full document here

Scottish Government’s Digital Strategy

calendar16 December 2020

CAP has responded to the Scottish Government's consultation on its Digital Strategy. We were pleased to see the No one left behind section feature in the strategy and that ensuring everyone has access to the internet is one of the Government’s central aims. However, affordability as a barrier to getting online needs to be considered more significantly in the strategy. CAP’s research shows that many low income households are unable to afford internet access or devices, and therefore this needs to be addressed in the appropriate section.

Read the full document here

CCW’s independent review

calendar09 December 2020

We have responded to CCW's independent review of affordability support for financially vulnerable water customers in England and Wales. In our response we called for greater consistency across water suppliers and highlighted the problems with the current funding method. CAP would also like to see greater collaboration between water suppliers and the debt advice sector, as well as improved joint working between Affordability and Debt Management teams internally. 

Read the full document here
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Other and previous reports:

Simplify the Solution A dark place Unlocking a new start Stacked against report 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 2020 Client Report 2019 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