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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.

CAP’s official response to breathing space call for evidence

calendar16 January 2018

CAP has responded to HM Treasury's consultation on a statutory breathing space and debt management plan. This consultation outlined the current plans, due to be brought into legislation in the coming months. CAP was happy to see breathing space make headway in Government, but is concerned that unless breathing space also covers the public sector, it will be a step back in progress. To read our full response please click below.

Read the full document here

The case for Fair Share

calendar12 December 2017

During the ongoing review of debt advice funding, there is no better time to argue the benefits of Fair Share. Fair Share is a voluntary agreement between creditors and debt advisers to pay back a fixed percentage of the amount received by the creditor in debt repayments. CAP has released a briefing, The case for Fair Share, which lays out the many advantages of this funding model. As demand for debt advice grows, so will demand for funding and this paper argues the case that Fair Share should be retained on its own merits - why abolish a mechanism that works well for its intended place in the sector?

Read the full document here

CAP’s response to Peter Wyman’s independent review of funding

calendar08 December 2017

Christians Against Poverty (CAP) has responded to Peter Wyman’s independent review of funding. The review sought the views from a wide range of interested parties, and responses will be put together to help overcome the challenges seen in the UK's complex debt advice landscape. CAP was pleased to respond to this review, despite having our own unique funding model that could not be replicated on a larger scale. In the response, CAP put forward the case for Fair Share, as well as expressing views about the importance of maintaining a variety of funding streams. To read the full response, click below.

Read the full document here

CAP’s response to Ofgem’s safeguard tariff

calendar13 November 2017

CAP has responded to Ofgem's latest statutory consultation on a temporary vulnerable customer safeguard tariff. We welcomed the call for suppliers to protect vulnerable customers from paying higher prices and were pleased to see its imminent introduction in February of next year. We were concerned, however, that the temporary safeguard tariff does not address the deeper affordability problems, particularly because it is only available to those in receipt of Warm Home Discount. To read more of our response, please click below.

Read the full document here

Ofgem announces cap on pre-payment meter installation

calendar10 November 2017

CAP welcomes Ofgem's announcement to cap the fees for a forcibly installed pre-payment meter. From January the maximum charge will be capped at £150, having previously cost up to £900. The most vulnerable, including those in severe financial despair, will see their charges waived completely. Ofgem have also announced that installation will be prohibited if customers have extreme cases of mental ill-health, even if a client consents, but would find the experience severely traumatic. This news is particularly encouraging to see as CAP has played a part in highlighting this issue through discussions and consultations on the topic.

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Other and previous reports:

The case for fairshare Setting the pace Client report 2015 Client report 2014 Client report 2013

Introducing CAP's External Affairs team

Meet the team representing CAP and building relationships in the credit and debt advice industries, as well as the third sector and with the Government:

Dawn Stobart
Director of External Affairs

Helen Webb
External Affairs Manager

Rachel Gregory
Social Policy and Relationship Manager

Daniel Kelly
Creditor Engagement Manager

Kiri Saunders
External Communications Manager

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