Is CAP just for Christians?

No. CAP will help anyone regardless of their religious beliefs. CAP aims to ensure that nobody receives less favourable treatment on the grounds of race, nationality, religion, age, gender, marital status, sexual orientation or disability.

Does it cost anything?

No. Our service is completely free. We do offer people the opportunity to give donations to the charity. This is completely voluntary and you won't be asked unless you have worked with us for at least six months. Whether you choose to give a donation or not, you will always receive the same service. Any money that is donated will go towards helping more families out of debt.

Will my creditors cooperate with you?

Yes. We have worked with over 1,000 companies within the finance industry and are well respected. This means that councils, utilities, mortgage companies and other creditors work with us because they have seen the results of our involvement. They know we offer fair repayments based on what you can afford.

I am self employed, can you help me?

CAP may not be the best organisation to help you. This is due to the following reasons:

  • - Self employed income is often erratic.
  • - Running a business often means you need to have continued access to credit.
  • - There is a likelihood that your debt problems are connected to business problems.

These reasons make it very difficult to run a CAP Account in a sustainable way. However, we are able to suggest agencies that can help you tackle the business problems in conjunction with your debt. We would recommend you ring either of the following:

  • - Business Debt Line who offer confidential, independent, free advice on debt and cash flow problems for people who are self employed on 0800 197 6026.
  • - Payplan, who offer free confidential advice including self employed IVAs. Ring 0800 280 2816 to find out more.

You may also be interested in a CAP Money Course or our Self Help options.