Policy and Government

CAP has responded to the Department for the Economy's consultation on a new energy strategy for Northern Ireland. This proposed strategy is founded upon the objective of reaching net-zero carbon emissions by 2050. In our response we outline why, although an important goal, the move to net-zero cannot leave behind those on low incomes, nor can we expect them to foot the bill for it. We welcomed proposed improvement in communications, particularly the creation of a knowledge hub for consumers seeking help and support for private rented tenants. Technology also presents a great opportunity for improvements in the consumer experience, but must remain accessible and simple for the end user in all cases.

CAP has joined the Financial Wellness Group in calling for an end to the public insolvency register. When someone goes through an IVA, bankruptcy or a Debt Relief Order their personal details are published online in the individual insolvency register and the London Gazette. This is one of the factors that contributes to the stigma of bankruptcy and can also make people a target for marketing. The campaign aims to create discussion about what could replace it, for example a quasi-private register like that created for the Breathing Space scheme, which would only be accessed by people with legitimate interest. You can add your support by signing the petition. Read more here.

The Money and Mental Health Policy Institute’s (MMHPI) latest research finds 1.3 million Universal Credit claimants are experiencing significant distress, and yet getting third party help is difficult and confusing. This is an issue that makes it more difficult for CAP to help people who are receiving Universal Credit and struggling with debt. We have added our support to the Set up to fail campaign which sets out recommendations to make it easier for people to get help with Universal Credit including better third party access systems, a simpler system and a design that maximises privacy and autonomy. Find out more and sign the petition here.

CAP has joined One Parent Families Scotland and other anti-poverty charities in calling on the UK Government to end the young parent penalty in Universal Credit. Under 25s are entitled to lower benefit allowances but before Universal Credit there was an exemption for young parents who were caring for children. This is no longer the case and children are being pushed into poverty as a result. Over a quarter (28%) of new CAP clients, struggling with problem debt, in 2020 were single parents and low income is the most common reason why they find themselves in debt which highlights the need for this issue to be addressed. Read more about the campaign and how to support here.

Today marks the start of the Government’s Breathing Space scheme (officially the Debt Respite Scheme). A breathing space gives someone in problem debt legal protection from creditor action for up to 60 days while they seek debt advice. CAP will be able to make applications on behalf of clients eligible for the scheme, along with other FCA authorised debt advisors in England and Wales. Read our blog about what it hopes to deliver for people in problem debt.