Weighed down by debt?


I've heard CAP aren't taking on any new clients until next year. Is this true?
Unfortunately, we've had to stop taking on any new clients to our Debt Help service until early 2020. There has been more demand for our debt help than ever before, and we’ve had to make this decision so that we can give all of our existing clients the support they need to hopefully become debt free.

Don’t worry, though – there are a number of other free, trusted debt advice organisations that may be able to help you. Find out more about them and how to get in touch here. All of our group services are also still running as normal.

Please head over to our FAQs page for some more details.

Is CAP just for Christians?
No. CAP will help anyone regardless of their religious beliefs. We monitor our services to ensure that everybody receives the same caring service regardless of race, nationality, religion, age, gender, marital status, sexual orientation, or disability.

What will the service I receive be like?
Over the course of three visits, we’ll explain our service, gain a clear picture of your situation and identify the best way to help you through it. Our team at head office will set up your case and will also support you on the rest of your journey.

A Debt Coach (trained by CAP) and a befriender from the local church will attend each visit with you. The Debt Coach will deliver the advice prepared by our professional team of debt counsellors to ensure you can find the best solution for your situation. Following the three visits, this team of caseworkers in Bradford will support you on your journey towards becoming debt free. The befriender is there to provide you with emotional, practical and spiritual support (should you need it) during the visits and also outside of these times.

It's our standard practice to offer prayer during these visits, however our staff are always respectful of every individual's response to this offer. We work very hard to make it clear that this is only an offer and if you decline, it will never affect the service you receive in any way. Our client survey results tell us that most clients appreciate it, even if they are not a Christian.

If you’re not happy with any aspect of the service you have received, you can find our complaints procedure here.

Does it cost anything?
No. Our service is completely free. We are able to provide a totally free service because CAP is a charity and receives donations from churches and individuals who want to help people.

Will my creditors cooperate with you?
Yes. We have worked with over 1,000 companies within the finance industry and we are well respected. This means that councils, utilities and mortgage companies 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 Plan 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.

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