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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.

2015 client report

calendar15 June 2016

Today we launch our 2015 client report. Bringing together 1,600 responses to our annual client survey, along with other CAP data, this report shows the substantial extent of debt, poverty and vulnerability amongst the clients we serve. For the first time it also features our newest service, CAP Release Groups, which offer support to those struggling with life-controlling dependencies such as smoking or gambling. This follows an 18-month pilot, which saw 28% of members achieve a self-set goal. Now in our 20th year, we have long seen the impact addictions have on those in financial difficulty, and we are thrilled to be able to offer a more complete solution to clients affected by multiple difficulties. Follow the link below to see our key findings and download the report.

Read the full document here

Public financial guidance review

calendar08 June 2016

HM Treasury is undertaking a review of public financial guidance to ensure that advice and guidance is fit for purpose and available to all. This includes pensions, debt and money advice and guidance, and follows the announcement in the Budget that the Money Advice Service (MAS) is to be replaced. CAP has responded to the review to cautiously welcome and input our views on the new proposed structure of public financial guidance provision put forward. Read the full response below. 

Read the full document here

Scottish Debt Arrangement Scheme (DAS) Review

calendar04 May 2016

Accountant in Bankruptcy (AiB) is conducting a review of the Debt Arrangement Scheme (DAS), which is a formal debt solution for those living in Scotland who are able to make sustained repayments towards their debts. The review is focusing on changes introduced during 2013 and 2014. CAP has provided a response to express our concerns about some gaps in the protection DAS gives to debtors. Read the full response below.  

Read the full document here

PrePay Rip Off petition reaches 5,000 signatures

calendar26 February 2016

Today Dawn Butler MP’s petition calling for the government to take action to end the PrePay Rip Off hit 5,000 signatures with the support of CAP’s supporters. This milestone demonstrates the public support that exists for the campaign and echoes the concerns raised in CAP’s The poor pay more [link to] report. This comes as we continue to work with Dawn Butler MP to create momentum within government and the energy industry to bring a fairer deal for prepayment users.

Sign the petition here.

Proposals to improve outcomes for prepayment customers

calendar25 February 2016

As part of their ongoing work to improve outcomes for prepayment (PPM) customers, Ofgem is proposing to take action to reduce the impact of charges when a PPM is installed under warrant. The proposals show particular concern for customers in vulnerable situations and are welcome. We have responded to show support for the proposals but to highlight our concerns about whether smart meters will bring the resolution Ofgem predict and that the proposals do not address the wider issues affecting prepayment customers. Read our full response below.

Read the full document here
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Other and previous reports:

The case for fairshare Setting the pace 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

Helen Webb
External Affairs Manager

Rachel Gregory
Social Policy and Relationship Manager

Daniel Kelly
Creditor Engagement Manager

Kiri Saunders
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