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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.

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

Dawn Butler MP teams up with CAP to see an end to the PrePay Rip Off

calendar18 February 2016

Following CAP raising that The poor pay more for their energy bills in parliament in December, we have teamed up with Dawn Butler MP’s PrePay Rip Off campaign to continue to call for a fairer deal for prepayment customers. People on prepayment meters (often the most poor and vulnerable) pay a shocking £226 more per year and many can't afford to heat their homes, their food or even wash! Today our supporters have been asked to show their support for our campaign by signing a petition to highlight the injustice of prepayment meters.

Dawn Butler MP for London Brent Central said; ‘It is great to be teaming up with CAP and I look forward to campaigning side by side. CAP’s excellent The poor pay more report highlights the hardship and inequality of this expensive form of energy supply and I will continue to fight for a better deal for those consumers who need it most.'

Sign the petition here

The Money Advice Service’s 2016/17 Business Plan

calendar15 February 2016

The Money Advice Service (MAS) are an independent service set up by Government to help people manage their money. They have set out their plans for the next three years which include six strategic aims, ranging from helping more people to budget and save, to earlier and wider access to advice. CAP is already involved independently in many of these areas and have responded to support MAS’s priorities for the next year and also to highlight where our experience shows there is gaps in their plans. Read MAS’s 2016/17 Business Plan here and our full response below.

Read the full document here

Price comparison websites for payday lenders

calendar27 January 2016

Last year, the Competition and Markets Authority (CMA) reviewed price comparison websites (PCW) for high-cost short-term credit products and set out recommendations to make them more effective. The FCA is considering how to put the recommendations for them into practice and CAP has responded to broadly support the proposed changes and provide insights from our 19 years experience working with people in unmanageable debt. Read our full response below.

Read the full document here

Financial education for young people: call for evidence

calendar21 January 2016

A cross-party group of MPs are conducting an inquiry into the impact and effectiveness of financial education in schools across the UK. Hundreds of CAP's volunteers are equipped to run financial education sessions in primary and secondary schools. Read our official response to the call for evidence below, which reinforces the importance of financial education for children and young people and shares our insights from running CAP Money Kids, CAP Money Youth and CAP Money Students  

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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