Your guide to CAP’s Debt Management Plan

Every year the CAP team helps more than 600 clients to become debt free through a Debt Management Plan. We’re delighted to be walking with you on this journey out of debt. We’ve put this information together to help you get your head around the process, answer any questions you may have and remind you what you need to do to make this work. So grab a cuppa and let’s get started!

Why do I have a Debt Management Plan?

The aim of your CAP Debt Management Plan is to allow you to live within your means as you make manageable payments towards your debts. If you’re not happy with your budget, just talk to us so we can sort things out and make sure your debt situation doesn’t get worse.

The Debt Management Plan journey


Working out a budget

On the Debt Management Plan, we’ll work out a budget for you. This will include essential payments like rent/mortgage and utilities, living expenses and leisure. It will also include payments towards your priority and non-priority debts. Your payments are arranged depending on what you can afford and negotiations with your creditors. We’ll give you an estimate of how long it will take to repay your debts, provided you stay on track with your CAP Plan.


Your CAP Plan Schedule

Your CAP Plan Schedule tells you how much you need to pay in every month to deal with your debts. We'll go through this with you and you can ask us any questions you might have. It's really important you have a clear understanding of your CAP Plan Schedule because we will ask you to sign and return it to us to confirm you’re happy with what's been agreed. 


Setting up a standing order

To make your monthly payments into your CAP account you will need to set up a standing order through your bank. Paying by standing order will make sure your monthly payments reach us on time.


Keeping your CAP Plan working

To keep your CAP Plan working effectively, you will have to pay in the agreed amount every month. You will also need to respond to any requests for information as quickly as you can. Not paying into your CAP Plan as agreed could make your debt situation worse as we won’t be able to pay your creditors. This means they could add interest and charges onto the debt balance, even if previously this has been stopped, and start chasing you again.


Reviewing your CAP Plan

Once a year, we’ll review your CAP Plan to check it’s still manageable for you. We will update it in line with any changes (for example, if your gas and electricity bills go up). We can do this as a chat over the phone but we might need you to send us some up-to-date paperwork too. Don't forget we provide Freepost envelopes so it won't cost you a penny. 


Debt free

This is what we are all aiming for through your Debt Management Plan – you’re debt free! We’ll give you a call to confirm this and then all that’s left is to celebrate!

Tony - Debt management plan client

I phoned CAP, half afraid, but the person on the other end of the phone was so lovely. When I met my Debt Coach, he told me not to worry about a thing. My life was peaceful again.

Tony, Debt Management Plan client

I’m not a CAP client but I’m struggling with debt, can you help me?

At the moment there are no appointments available for our Debt Help service, but help is available through a number of other free, trustworthy organisations. Find out more about them and how to get in touch here.

Key information

Your to-do list

  • Pay the correct amount into your CAP Plan on time each month.
  • Send in all the information we ask for and keep us up to date with any changes to your circumstances.
  • Send on any letters you receive from creditors to us.
  • Check the Frequently Asked Questions page if anything is still unclear.

Keep in touch

It’s a good idea to make a note of our contact details so you can find them really easily. Save the numbers in your phone, keep a note in your wallet or purse or stick it on the fridge. 

There are four ways to contact us:

By text:

07860 033177

By email:
Please pop your CAP Debt Management Plan number into the subject box to help us track your case easily (you’ll find this on any letters from us).

By phone:

01274 761999
Remember to have your CAP Debt Management Plan number to hand before you call (this will be on any letter from us) and be ready to answer a few security questions. Lines are open 9:30am – 5pm Monday to Thursday and 9:30am – 3:30pm on Fridays.

By post:

We provide you with freepost envelopes to make sure your mail comes straight through to the Debt Management Plan team and can be dealt with quickly. If you run out of envelopes, carefully write the following address on a blank envelope – no stamp needed!    

Debt Management Plan Team
Christians Against Poverty
Jubilee Mill
30 North Street

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