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Policy and Government

At CAP, we have a vision to see an end to UK poverty. That’s why we’re working tirelessly behind the scenes to shape and influence the policies that affect our clients. Through campaigns, petitions, conversations and research, we’re able to speak up about the kind of positive change we want to see in this country. And change is happening.

By re-imagining structures and systems to be fairer and kinder, we can see lives transformed. Below are some of the recent ways we’ve been seeking justice and meaningful impacts from key decision makers.

Latest updates

MaPS consult on access to debt advice during the Covid-19 pandemic

calendar15 November 2021

CAP has responded to a call for evidence by the Money and Pensions Service (MaPS) who are seeking to understand the effect that the closure of face-to-face public services during the Covid-19 pandemic had on the accessibility and delivery of debt advice in the UK. We shared our reflections on how the closures impacted clients and how we adapted our service delivery model. We highlighted how early signs show that many clients’ budgets will become unsustainable as a result of the removal of the £20 Universal Credit uplift. We also urged MaPS to ensure stability in the provision of face-to-face debt advice, invest in debt advice marketing campaigns and continue to help people recognise problem debt before the point of crisis.

Read the full document here

Proposed updates to Scottish bankruptcy provisions

calendar08 November 2021

CAP has responded to the proposals in chapter three of the Scottish Government’s Covid recovery: public health, services and justice system reforms consultation. These proposals seek to place temporary provisions made during the Covid pandemic onto a permanent footing, including raising the minimum debt level for creditor-petition bankruptcy to £10,000 and a longer moratorium period. CAP has welcomed the proposals as beneficial modernisation and improvement to the bankruptcy system in Scotland, with only an amendment to the proposed extended moratorium period to be twelve weeks rather than six months. Read our full response below.

Read the full document here

Statement of practice 3.1 (Individual Voluntary Agreements)

calendar05 November 2021

CAP has responded to a consultation by the Joint Insolvency Committee (JIC) about proposed changes to the Statement of Insolvency Practice 3.1 which is a code of practice for Insolvency Providers to follow when advising and administrating Individual Voluntary Agreements. The proposed changes update the statement of practice to be fit for purpose in the current context, but there are additional changes we think are needed also. This includes changes to make sure people can make informed decisions about the most appropriate debt solution for them, improve correspondence with the supervisor, the timeliness with which the certificate of termination is issued and place a a clear responsibility on Insolvency Practitioners to be satisfied that the actions of third party lead generators they receive referrals from meet the expectations set out in SIP 3.1. Read our full response below.

Read the full document here

Event with Economic Secretary to the Treasury

calendar05 October 2021

During party conferences CAP Chief Executive, Paula Stringer, took part in a panel event with the Economic Secretary to the Treasury, John Glen MP. The event was hosted by the Centre for Social Justice (CSJ) and also sponsored by Lowell. Paula spoke of the need for a strategic action plan based on sound measurement of financial wellbeing in communities and raised concerns about the impact of removing the Universal Credit uplift. Watch the event on catch-up here

Telecommunications measures to protect people in debt or at risk of disconnection

calendar29 September 2021

CAP responded to Ofcom's consultation asking for views on whether the protections for people in debt or struggling to pay are appropriate, or need strengthening. Some of the key points we've raised are that collections practices must ultimately be based on an understanding of the customer’s unique set of personal circumstances. Telecommunication providers should consider payment arrangements for arrears based on affordability, making use of the Standard Financial Statement, rather than a fixed period e.g. three or six months. We have also supported calls for social tariffs being made readily available to those customers in debt and on low incomes.

Read the full document here
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Want to hear more from our External Affairs team?

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Other and previous reports:

Client report 2021 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 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:

Gareth McNab
Director of External Affairs

Rachel Gregory
Social Policy Manager

Jonathan Shaw
Relationship Manager

Paul Walmsley
Relationship Manager

Helen Webb
Relationship Manager

Mark Anchen
Relationship Manager