Sending in all the information we ask for
From time to time, you may need to send us some specific information or paperwork. We want to keep things moving forwards for you, but we’ll need you to help by responding to these requests as quickly as possible.This is particularly important if you receive court forms because we need the information to be able to act on your behalf.
To send in paperwork, just use your Freepost envelopes or write the address on a blank envelope.
Once a year, we’ll do a full review of your CAP Plan and it’s likely we’ll need paperwork relating to your debts and bills, so keep them safe!
Paying in correctly
Your CAP Debt Management Plan Schedule tells you how much you need to pay in every month to deal with your debts and cover any bills being paid through your CAP Plan. It also helps you build up your savings, there's more about this further down the page. The easiest way to make regular payments is to set up a standing order through your bank.
Receiving reminder letters
If you don’t pay in correctly or fail to send in information we ask for, you’ll receive a reminder letter. If this keeps happening, your case may end up having to be closed. We really don’t want it to come to this so just talk to us if you’re struggling. We’ll make every effort to stop reminder letters being sent to you if you give us a valid reason why you can’t pay in or send information.
Managing your payments
Your budget will change from time to time, meaning you’ll need to alter the amount you’re paying into your CAP Debt Management Plan. Please do what you can to update your payments straight away. This will usually mean sending a new standing order form to your bank. We can’t amend your payments for you and we don’t have any control over your standing order. It’s not a Direct Debit payment. It’s an agreement between you and your bank and it’s up to you to contact them if it needs changing or cancelling.
Keeping us up to date
We understand that things change in life! If something changes that will affect your CAP Debt Management Plan, such as a partner moving in with you or the loss of a job, you have to let us know, even if it’s only a small change. The best way to think about it is, if something has changed and you're not sure if we should know, run it passed us anyway and we can put your mind at rest. That way we can update your information and adjust your budget if necessary, without your CAP Plan going off the rails.
In a nutshell...
- Set up a standing order to pay into your CAP Debt Management Plan
- Send in any information and paperwork we request
- Let us know straight away if your circumstances change
- Update your monthly payments straight away if we tell you your budget has changed
Always remember, we’re on your side. Our ultimate aim is to help you become debt free. If you’re struggling with anything, just let us know so that we can support you – we don’t bite!