Project information

2021 Vision

By 2021, we will be serving the poor and saving the lost through 1000 church based CAP services so anyone in the UK can access our life transforming help.

December 2015 - December 2021

Charity information: Christians Against Poverty

Christians Against Poverty logo
  • Need

    Need

    The personal effects of debt can be devastating, ranging from fear and stress to depression - and even suicide (36% of CAP clients admit they considered suicide before seeking help). Families go without food, and homes are put at risk, as clients are pressured to prioritise debt repayments over basic living needs. CAP's centre network expansion is a crucial step towards giving these families in debt a hope and solution.

    Solution

    CAP centres bring about sustainable poverty relief through our unique face to face debt counselling services. We give each client hope and a real solution by working out a budget prioritising food and essential bills and negotiating with creditors to agree to the budget. We offer a CAP Plan to help people practically pay their bills and debts. We also help people through insolvency options if required. This means we can help anyone in debt no matter how severe their debts are.

  • Aims

    Aim 1

    By 2021, we aim to be serving the poor and saving the lost through 1000 church church based services

    Activities

    » Through the expansion of our CAP Debt Centre we will help over 16,000 indviduals tackle debt and poverty each year
    » CAP Job CLubs have a higher percentage success rate than any government commissioned work programme and help over 300 people find work a year.
    » CAP Release Groups help people tackle life controlling addictions and dependancies such as smoking, drinking and gambling with promising early success
    » CAP Life Skills is a pilot we are running to help those from chaotic backgrounds manage household finances, complex products, and cook and shop well.

    By reaching 1000 services we aim to have UK coverage and will therefore be able to provide debt counselling to anyone in UK.


  • Impact

    Impact

    Each new service will be relieving poverty by providing a real way out of our clients' poverty. We will know if we have been successful if we achieve our goals of number of clients seen, if over 70% of the clients helped rated the service in the top two categories of ‘life transforming’ or a ‘great help’ in our client questionnaire and if 70 – 90% of clients were able to stick to their budgets.

    Risk

    We open all our services in partnership with local churches because they are on the ground to provide a face to face service and to show God's love in action. There is a risk that not enough churches will be in a position to partner with CAP. In response to feedback, we are diversifying the partnership options in terms of price and level of service provision.

    Reporting

    Donors to this project will receive quarterly mailings detailing the ongoing and forthcoming activities and any necessary changes that have been made to the project plans.

  • Budget

    Budget - Project Cost: £894,000

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      Amount Heading Description
      £137,000 training and management Training and management of 80 new centres which will be approxiamately 120 staff.
      £83,000 advertising and publicity Each new centre needs to advertise their services and this includes PR support from headoffice.
      £57,000 freephone helpline provision New client enquiries and appointments are all booked for each centre centrally
      £55,000 direct client aid many clients have no food when we visit for the first time. This budget provides food and essentials
      £132,000 CAP Central A centralised team that works out the budget and negotiates with clients priority creditors.
      £228,000 Creditor Liason Unit A centralised team that negoatiates with all clients secondary creditors.
      £202,000 Client Support Unit This teams provides long terms support to clients until they are debt free.

    Current Funding / Pledges

    Source Amount
    partner church contributions £180,000 Guaranteed
  • Background

    Location

    These 466 services will be located in towns and cities across the UK.

    Beneficiaries

    We estimate 17,000 people will benefit from our services in a year. Our clients are some of the poorest people in the UK.

    • 28.5% are single parents
    • 18% are unemployed
    • 12% are disabled
    • 13% are from ethnic minorities
    • 55% receive benefits
    • 41% live solely on benefits
    • 47% live below the poverty line

  • Why Us?

    Why Us?

    CAP is best placed to help those who are the poorest and the most vulnerable in society due to in depth and face to face nature of our service. Over its 19 year history, CAP has helped over 75,000 individuals and its effectiveness has been widely recognised. Most recently CAP won a Debt Advice Provider of the Year Award. 94% of clients say CAP's help is life transforming or a great help.

    Read more about the Charity running this project.

    People

    John Kirkby

    John founded CAP in 1996 and plays a key part in leading the charity and inspiring churches and supporters alike.

    Matt Barlow

    Matt is UK CEO and will have overall responsibility for the expansion of the debt centres.

    Chris Brown

    As Director of Services, Chris will ensure these new centres are opened and trained and managed successfully.

CAP client: Sarah

CAP client: Sarah

£357

will help one family out of debt

Now my debt is being handled I'm less anxious. I've learned to budget and my children say I'm happy again. CAP has transformed my life for the better.

client