Policy and Government

CAP has responded to the consultation released by BEIS about the Warm Home Discount scheme, due to come into effect for winter 2018/19. CAP welcomed the increase in industry initiative from £30m to £40m, helping to increase the support available for people in fuel poverty. That being said, we did not agree with the continued reduction of provision for debt write-offs, which can so often provide people with a fresh start on their financial situation. We were also keen to highlight the current time scales for Warm Home Discount rebate, which can often be paid in spring/summer of the previous winter. This timing is often too late for many who may not have been able to afford to heat their homes over the winter. To read our full response, please click below.

CAP has responded to the Lending Standards Board consultation, The Standards of Lending Practice. In general, CAP welcomed the Standards, particularly the inclusion of Consumer Vulnerability as a Standard and the resulting safeguards put in place to protect those customers. We aired our concern that some customers would lose out if customer journeys become increasingly digital. We also placed an emphasis on ensuring that registered firms remain flexible with those in financial hardship. Read CAP’s response below.

Today CAP launches the latest Client report showing the unbelievable reality of debt and poverty in the UK and the hope CAP is able to bring through the local Church. The report aims to take the reader beyond the facts and figures and show them the deeply personal impacts of problem debt, how it feels and why holistic support is vital. Download the report here.

Christians Against Poverty (CAP) has responded to the Department for Business, Energy and Industrial Strategy (BEIS) consultation. This consultation sought to establish a consensus on the proposed data sharing regulations for a safeguard energy tariff. If legislation is approved in the Digital Economy Act, the Department of Work and Pensions would be able to share benefit information with energy suppliers in order to provide a safeguard tariff to those overpaying on their energy. Read CAP's response below.

CAP has responded to the Ministry of Justice’s consultation on default County Court Judgments (CCJ). This consultation explores the remedies to situations where claim forms are not received, whether because it was sent to a previous address or they have not opened their post, meaning a defendant does not have knowledge of the claim. Three quarters of CAP clients are afraid to open the post and 64% are afraid to answer the phone. What’s more, CAP strongly supports the creation of a trusted source of public information, as well as the proposed action to help those with default judgments. Click below to read the full report.