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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

Scottish Parliament low income and debt problems inquiry

calendar31 March 2022

CAP responded to the Social Justice and Social Security Committee's call for written responses on the challenges faced by people with low incomes and problem debt. Support for individuals in problem debt should be holistic and person-centred, with tailored advice to meet individuals’ particular needs. In our response, we have stressed that all households, particularly those on the lowest incomes, should have access to sufficient income via a cash-first approach to ensure that debt is not a consequence of being unable to meet everyday needs. This will help to create accessible, people-centred, and fair solutions to problem debt in Scotland. Read our full response below.

Read the full document here

CAP supports campaign to suspend TV licence prosecutions

calendar29 March 2022

CAP has signed an open letter urging the Secretary of State for Digital, Culture, Media and Sport, Nadine Dorries MP to suspend TV licensing prosecutions, pending the outcome of the BBC’s Gender Disparity Review. Written by charity and law practice Appeal, the letter urges the UK Government to pay better regard to low income and vulnerable people who are being prosecuted for the non-payment of the fee. CAP supports measures towards fair treatment of low income and vulnerable consumers, and looks forward to hearing the response from Nadine Dorries MP. Read the full letter below.

Read the full document here

Regulating the insolvency profession

calendar25 March 2022

CAP responded to the UK Government’s consultation on regulation reform in the insolvency sector. Currently, Insolvency Practitioners are regulated as individuals by four recognised professional bodies, with no specific regulation for the firms that employ them. CAP supports the proposal for the Government to take on the role as a single regulator, extending the scope of regulation to include firms providing insolvency services. CAP would like the single regulator to investigate all complaints to improve consistency in outcomes and to adopt principles from the Financial Conduct Authority’s principles on consumer duty and rules for debt advice. Read our full response below.

Read the full document here

CAP’s response to the UK Government’s Spring Statement 2022

calendar23 March 2022

On Wednesday 23 March, Chancellor Rishi Sunak announced the UK Government’s Spring Statement, revealing the details of highly anticipated plans to support struggling households amid the cost of living crisis. In his statement the Chancellor said that he would like to support households with the rising cost of living. CAP were disappointed, however, to see the Government announce very little to help the most vulnerable and to ensure long-term financial security for those on the lowest incomes.

Read CAP’s full response here or listen to CAP’s Director of External Affairs, Gareth McNab on the BBC Newscast podcast here

Inquiry on poverty and stigma in Scotland

calendar22 March 2022

CAP responded to the Scottish Parliament Cross Party Group on Poverty's call for written evidence on the impact of poverty-related stigma in Scotland. Poverty-related stigma is prevalent for people living on low incomes with many people being pushed into problem debt due to insufficient income. Problem debt has a particular stigma and shame attached to it that leaves people feeling trapped, isolated, unable to sleep at night and considering suicide. We believe that it is essential that people are treated with dignity, fairness and respect, at all levels and in all interactions, and that we all have a responsibility to change the narrative around poverty in Scotland. Read our full response below.

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

Read our Medium blog

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