Christians Against Poverty (CAP) in Cambridgeshire
The Cambridge CAP Centre provides free personal debt-counselling for financially striken people. It tailors clients' budgets, negotiates with creditors on behalf of clients, provides each with a volunteer, and visits clients at home throughout the process of becoming debt-free.
Charity information: Cambridge Community Church (C3)
Personal debt is at crisis point in the UK as someone is being declared insolvent or bankrupt every 60 seconds of a working day. The total amount of personal debt is currently at £1.451 trillion.
In the Cambridgeshire area, Citizens Advice Bureau reported 12,366 enquiries regarding debt in 2011 (with a population of 265,000). CAP clients are often the marginalised and disadvantaged in society: 56% live below the poverty line and 31% live solely on benefits.
The Cambridge CAP Centre seeks to reach each person in debt in a personal way by providing free home visits and assigning a volunteer to visit and support throughout the process of someone becoming debt-free (which can take up to five years). It works by setting budgets and negotiating with creditors on behalf of a client.
It also links in with other local organisations including supplying immediate needs such as food parcels and runs a money management course twice a year.
To reach an additional 20 people and their families in 2013
Activities» Employ an additonal debt coach to work an extra day per week
» Increasing promotion through Cambridge Council Tax arrears department, BBC Radio Cambridgeshire, Cambridge Evening News, and Cambridge City Foodbank
Success will be... reaching 20 people and their families in 2013
Providing 2 free CAP Money Courses for all people in 2013
Activities» Promote through local churches,Cambridge Council Tax arrears department, BBC Radio Cambridgeshire, Cambridge Evening News, and Cambridge City Foodbank
Success will be...Hosting 2 free CAP Money Courses in 2013
See 10 people become debt-free within 5 year period
Activities» Work with clients on a one-to-one regular basis of working through budgets and re-educating on money management
» Negotiating with creditors to minimise debts and manage regular payments
» Have a volunteer to assist in a support role to encourage each client with the process
» Encourage clients to attend a CAP Money Course
Success will be...10 people becoming debt-free during the process of 5 years we are working with them.
This project will see many individuals and families free from debt and be in control of their finances, rather than the other way around. It is a course that equips and empowers people.
As debt impacts society so negatively, there will be a decrease in areas such as mental and physical health issues, breakdown in relationships, and suicide attempts.
Budget - Project Cost: £9,600Loading graph....
Amount Heading Description £4,000 Salary for new debt coach For an additional debt coach to work one day £5,600 Expenses for Centre and Manage Consultation/visits, Negotiation with creditors, Budget setting,
Cambridgeshire is regarded as an affluent area of the UK and personal financial crisis goes unseen beneath the academia and transient nature of this city. However there are pockets of real deprivation in the Romsey area where C3 is based. For example 29% of children in the area are affected by income poverty; and 30% of adults are receiving means tested benefits, which is much higher than the national average of almost 19%.
Out of a population of 265,000, there were 12,366 enquiries regarding debt in 2011 (this results in 5% of the population of Cambridgeshire enquiring regarding debt).
Mentioned earlier, CAP clients are often the marginalised and disadvantaged in society: 56% live below the poverty line, 31% live solely on benefits, 28.5% are single parents and 12% are disabled.
These people will be helped through their debt.
Since January 2010 we have worked with 33 individuals and have seen 2 people become debt-free with another 2 people close to becoming debt-free.
We are the only local organisation to offer a free debt counselling service that provides the privacy and care of home visits. We also committ to support each person through the process up to 5 years.
C3 also encourages each client to come into the community life of the church.
Read more about the Charity running this project.
Kaye is the The Cambridge CAP Centre Manager working personally with each client. She has successfully formed all the promotional networks.