"Life with CAP"

Since being introduced to CAP, by friends from church, my life and finances are feeling more in control. I'm no longer waking in panic over debts, as I know they are being taken care of and in time I will be debt free. I cant wait.. everytime a debt is paid I cry with relief. I cannot thank the CAP team enough for all they do to help.

"I went to Cap when I was having…"

I went to Cap when I was having problems with my finances.i had also stopped work due to illness.they helped and supported me in sorting my debts out.i would highly recommend cap if you are having financial difficulties.

"CAP are amazing"

CAP are amazing! I'm in lots of debt and they helped me by being the middle person between me and my debtors. They put in place affordable payments which not only pay my debts with an agreed amount, but save some money too. It's a long road ahead but I have the support from CAP now. Just a phone call away if I need help.
Thank you CAP all your staff are a huge blessing.

"At last I have peace!"

I have always been expected, by myself mostly, to practice what I preach in my job as a coach and also as a mother to two amazing young women!
However, in recent years - life has gotten a bit "sucky" and I've struggled with my mental and physical health. Rising debt from an unsuccessful marriage had added to that. For many years, I swam like a swan; all calm on top and paddling like fury underneath!

Then through a new friendship with a Christian lady, I found Christians Against Poverty. I made contact with Freddie; my debt coach and immediately I had a feeling of my worries subsiding and the water being made calm - allowing me to swim more easily.
Freddie and a support worker (who I am now friends with) came round, and within minutes I was sharing stories of my life and almost bawling my eyes out! They didn't judge, they just listened and told me it would all be okay. We went through my debts, and all the relevant paperwork. Freddie just took it all away, and said CAP would sort it out; writing to my creditors and getting me the best "deal" possible to manage my finances and clear my debts.

I also attended the CAP Money Course run by Freddie and his wife, Angela. It provided such an insight into how to manage my money better; which in itself, took a weight off my shoulders. I know how to use Excel spreadsheets; except when it come to doing something for me!
I've now opened a savings account, a cash account, and can manage my current bank account much more easily. I've managed to save for Christmas, and birthdays whilst still paying my debt balance off. I shall be proud to stand up and say "I am debt free!" on 1st January 2021.

I couldn't have come to this point without CAP, Freddie, Angela and everyone else who has been supportive.
I have also decided to try and find Jesus again and bring him into my heart; I had not been to church for over 10 years. Now when I read scripture, or take part in online worship; I feel a sense of calm, love and peace.

My biggest thank you to everyone at CAP; those local and not so local at HQ. THANK YOU!!!

"My experience with CAP is absolutely amazing!"

My experience with CAP is absolutely amazing, they helped me before with my debts and now i am learning to stick to a budget and organize my finances. I feel deeply grateful as their advice and support, apart from being so kind and empathetic, makes me rethink, explore, reflect and take effective actions towards healthy finances. I feel more in control and organized, much less stress, more content, more free and feeling supported by Earth Angels to learn more about money, budgeting and financial abundance. God bless you always. Thank you ever so much.

Regards,

"Thank you CAP"

After leaving my marriage after 20 years With unknown debts that had been taken out in my name, I found life incredibly hard. I couldn’t pay my debts and struggled to pay my household bills and put food on the table doing so. After a bad experience with a Large well known debt Management company where I was just a number to them, I turned to CAP. The best decision of my life. I had someone who came to my house and truly cared, I had people who knew my name and I knew them. They gave me financial advice, and they devised a plan that was right for me, that would work and also allow me to live. There were even many times that food parcels were delivered just when I needed them. 2 years later I am well on my way to clearing all my debts, my credit score is rising and life is generally so very much better.
If you need help financially, my only advice is to pick up the phone and speak to CAP, you won’t regret it.

"Highly recommended if you ever find yourself in need or struggling"

As a family of seven after moving nearly 300 miles to try and get a better lifestyle for our children we hit a few bad patches that were out of our control at times we felt alone and no where to turn to for help in getting out of this bad situation of constant barrage of phone calls, letters, texts, people turning up at the door harassment etc until we came across Christians against poverty who helped us through this every step of the way even though we are no longer using their services directly and are now in our bankruptcy period they are still in contact with us helping us out with parcels and making sure we are doing fine. We highly recommend them to anyone in need can't thank them enough for their help

"Absolutely amazing company that helped…"

Absolutely amazing company that helped me through every single step of the way. The were sincere and seemed they genuinely cared about the position I was in. They would always give clear and amazing advice. Going beyond their call of duty to help and support me in order to take any stress or worries I had. Extremely professional all the time and would always take the time to listen fully to any concerns I had. I would highly recommend.

"Absolutely fantastic charity"

I would like to take this opportunity to explain why I’m giving CAP 5 stars, this is my story

I wasn’t in debt before, I only fell into it when my son left school at the age of 16
He was unemployed and I only had my part time wage and working tax credits, he was still unemployed at the age of 18
I received a letter from the council just after Christmas advising me that there had been a mistake calculating my housing benefit and that I owed them 2yrs full rent and council tax and that they would be backdating till when my son left school, so in a matter of weeks I had went from no debt to 6,000
I was distraught how was I going to be able to pay it back, I went to citizens advice for help but after 3 hrs we still couldn’t work out what had happened, I also spoke with a welfare rights officer who advised me to get a lawyer as I was on the verge of losing my home, but he didn’t want to represent me as I was on working tax credits, I truly was at a lose and didn’t know who to turn to, I felt there was no hope.

That’s when I got introduced to Colin Richards from CAP, I had never heard of CAP before but I was willing to give them a try anyway, Colin came out to my home and reassured me right from the start that this mess could be fixed, he took away all my paperwork that I couldn’t make head nor tail of and went through it with a fine tooth comb, he promised that there was a solution and gave me hope that there was light at the end of this dark tunnel I was in.

My mental health was suffering badly, I became withdrawn, couldn’t hold a conversation because my mind was in a fog trying to work out how to deal with this situation, I wasn’t sleeping, wasn’t eating properly couldn’t focus and felt very depressed about the future, I was alienating myself from my social circles because I couldn’t afford to socialise, even travelling to work was a worry, where was I going to find bus fares, I was paying back £50 to my rent arrears as well as full rent and council tax, then they arrested my wages of £80 as well,
I was at my lowest point and was left with £25 a week to live on I couldn’t believe that this was happening to me, my life couldn’t get any harder.

Once CAP became involved my life started to turn around, Colin assured me that they would deal with any correspondence from the council and any phone calls that I got from them, he told me to give them CAPs phone number and that they would speak on my behalf, they organised food banks to be delivered and supported me anyway they could, from dealing with my debtors to listening to me when I got frustrated and was losing hope.

I finally saw the light at the end of that dark tunnel and went debt free in June 2018 and thanks to CAP I finally have my life back, I don’t just exist anymore, I can actually have a life, one where I don’t have the fear of debt weighing me down anymore, I can sleep at night and I have food in my cupboards, I am in such a better place in my self, and knowing that I have came through the storm and there was a rainbow waiting for me.

To anyone out there who is suffering like I was, don’t try and do this by yourself please get in contact with CAP they truly will give you all the help and support you’ll need to get through it and be able to have a life again, it’ll be the best decision you’ll make

Christina Campbell

"Im now Debt free thanks to CAP - Christians Against Poverty"

I am 43 year old male and had got myself into a fair amount of debt, as a result my mental health declined and i became a lot more anxious and depressed as i didnt know what to do. I found out about CAP and contacted them reluctantly and left my details. A man named Colin gave me a call back and we arranged to meet at my house. He explained everything to me and i felt a weight lifting as i knew i now had someone to help me with this. I was worried at first but Colin knows his stuff and always answered all my question or any concerns i had, everything explained in detail every step of the way. I am now debt free and wouldnt/couldnt have done it without Colins help. I would also add i sometimes struggle meeting people but was always put at ease and never judged for mental health problems.
Anyone struggling with debt please dont hesitate, Cap will be with you every step of the way.
CAP (Christians Against Poverty)
Robbie