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’s response to the FCA’s Credit Information Market Study

calendar26 July 2019

We are pleased to respond to the FCA’s Credit Information Market Study, to identify if harm is occurring in the credit information market. This market offers many benefits, however we were particularly keen to see whether there is a fairer way of displaying debt resolutions on credit reports, to favour those who repay their debts over those who go through insolvency.

Read the full document here

All Kids Count campaign - we’re not giving up on child poverty

calendar04 July 2019

CAP has joined over 45 charities calling on the Government to lift the two-child limit and help all children thrive. Families with a third of subsequent child born after 6 April 2017 are no longer entitled to Tax Credits or Universal Credit for that child - worth £2,780/year. As a result, 300,000 children will be pushed into poverty and a million pushed deeper into poverty by 2023/4. The number of children already living in poverty in the UK is unacceptable. It is not right that children should bear the brunt of this policy and we are asking the Government to look again. Find out more here.

Left destitute by debt

calendar26 June 2019

In a society that believes in compassion and justice, it can’t be right that many people are held back by destitution and locked out of opportunities to improve their lives. This is particularly the case for a high proportion of those in financial difficulty who experience poverty so extreme that they lack basic subsistence. For example, before CAP's help, 89% went without food, 80% without heat and 9% even went without shelter. Click here to read the briefing paper in full.

Sinn Fein Prosperity and Opportunity consultation

calendar19 June 2019

We have made a submission to Sinn Fein's Prosperity and Opportunity consultation which is looking at ways the party can tackle poverty, disadvantage and social exclusion. They believe poverty is a denial of economic and social rights. In our response we outlined how over-indebtedness in Northern Ireland contributes to this and the challenges the families we support in Northern Ireland face.

Read the full document here

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
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Other and previous reports:

Unlocking a new start 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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