Project information

New CAP Debt Centres

To offer hope for the future and a practical solution to anyone in debt by providing a free, holistic face-to-face debt advice service in unreached towns and cities across the UK. We aim to open 80 new local, church-based debt-counselling centres in 2013.

January 2013 - December 2013

Charity information

Christians Against Poverty

Christians Against Poverty logo
  • Need


    Many thousands of people in the UK struggle with unmanageable debt, which can cause fear, anxiety, relationship breakdown, hunger and depression. A shocking 37% of our clients considered suicide before seeking help. Last year, we received 1,425 calls from people in desperate need of our service, but who we couldn’t help because we don’t have a centre near them. All we could do was send a self-help pack – better than nothing, but not the comprehensive face-to-face debt help that they really need.


    We want to offer help to more than 6,000 additional families by opening 80 new local centres across the UK in 2013. Working through local church-based centres, CAP offers a world-class debt counselling service that teaches people to live within a budget, pay off their debts and stay debt-free for the long term. Our combination of home visits, comprehensive debt management and face-to-face support and encouragement is specifically designed to help the poorest and most disadvantaged in society.

  • Aims

    Aim 1

    To provide debt help to 6,000 families, giving them a sustainable solution and hope for the future.


    » Open debt centres in partnership with local churches in new areas where there is most need for debt help.
    » Publicise the new centres when they open to let local people know that help is available

    Success will be...opening 80 new CAP Debt Centres in 2013. Each of these centres will offer hope to their local community

  • Impact


    The long-term changes will be clients become debt free. This can take up to five years. This journey to debt freedom will also result in sustainable financial habits, homes saved from repossession, children fed and clothed, marriages restored and the cycle of debt and poverty broken for our clients.
    The ultimate success will be demonstrated by the number of new centres opened, although each centre’s performance (clients visited in their homes, debt free clients etc.) will also measure success.


    We need churches to partner with us to run a local CAP centre in their community. We have therefore created a dedicated team to run events, talks and attend conferences in order to promote our work. We have also created a dedicated role to help us focus our efforts in recruiting new centres in vital areas. We hope these measures will allow us to reach our target of opening 80 new centres in 2013.


    Quarterly mailings to regular monthly donors and a charity report to charitable trusts and key donors. Our Annual Report is also available on request and details both yearly targets and performance.

  • Budget

    Budget - Project Cost: £1,077,280

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      Amount Heading Description
      £84,640 Training & PR Provision Direct Based Centre Costs (For all 80 centres)
      £187,040 Mangement Support Direct Based Centre Costs (For all 80 centres)
      £148,320 Client Welfare & Support Direct Based Centre Costs (For all 80 centres)
      £96,640 Client Aid (Emergency Fund) Direct Based Centre Costs (For all 80 centres)
      £247,760 Debt Mangement Plan Set Up Centralised Support Costs (For all 80 centres)
      £312,880 Ongoing Support Costs Centralised Support Costs (For all 80 centres)

    Current Funding / Pledges

    Source Amount
    Henry Smith Charity £20,000 Conditional
  • Background


    CAP’s Head Office is based in Bradford. The debt and poverty which John Kirkby, Founder & International Director, saw in his hometown inspired the founding of CAP. Since then, CAP’s centralised support has been based in Bradford, while CAP’s Debt Centres are based in local communities around the UK in areas where local churches have identified the need for our service in their community. Often these communities experience high levels of deprivation and poor standards of living.


    The poor, vulnerable and marginalised who are struggling with debt and poverty in areas where we open a new CAP Debt Centre.

  • Why Us?

    Why Us?

    With 15 years experience as a charity, we are best placed to use this proven model of face-to-face debt counselling and centralised support to provide debt counselling to those who need it most, through the local church-based centres we will open in new areas.

    Read more about the Charity running this project.


    John Kirkby, Founder & International Director

    Leading the vision to expand to every major town and city in the UK.

    Matt Barlow, UK Cheif Executive

    Providing strategic leadership and logistical planning to facilitate 80 new debt centres in 2013.

    Steve Tipping, National Development Manager

    Running events, talks and visiting potential centres to recruit vital new centres

    Helen Johnson, Head Of Centre Development

    Leading the development team in training staff and volunteers to run these new local centres