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.
18 June 2015
Our latest Client Report is now available, detailing our growth and work in 2014, as well as the findings of our annual client survey. The report details the key demographics of our client base and how debt has affected them, with findings from our latest research showing that on average our clients faced a minimum of 30 years in debt before CAP’s help. In addition there are special focuses on welfare reforms, prepayment meters and vulnerability. Read the full report below:Read the full document here
17 June 2015
Every other year we hold an open day for key contacts from the credit industry, regulators, other debt advisers and third sector. It’s a fantastic opportunity to showcase CAP’s full range of services and the difference they are making to thousands of peoples lives across the UK. This year 60 people joined us at our head office for the day. We were really encouraged by the repsonse of all who attended, many of whom were inspired to do more to help our clients and all in financial difficulty, and noted a particular highlight as hearing first hand about what life in debt is like from a couple of CAP clients who shared their personal experiences.
12 June 2015
As part of our ongoing engagement with Northern Ireland’s Utility Regulator, CAP responded to their Proposed Consumer Protection Strategy 2015/16 - 2019/20. We are pleased that the Regulator is setting out to formalise and promote consumer protection and overall the strategy is an extremely positive step. However, we feel there are some areas where it does not go far enough, particularly with regard to affordability and equal access. Read CAP’s submission below:Read the full document here
06 May 2015
As part of their on-going regulation of the credit industry, the FCA regularly consults on various changes to the consumer credit rules and guidance. We have inputted our views into their most recent consultation about credit brokers, lending issues and debt advice. Read CAP’s submission below.Read the full document here
01 May 2015
The Department for Culture, Media and Sport are re-examining the enforcement regime for TV licence evaders. We are concerned that the current criminal offence penalises people struggling with financial difficulties and have responded to their consultation to support enforcement through a civil debt instead. Read CAP’s submission below. Read the full document here