COVID-19: CAP are open and able to take new clients - call 0800 328 0006 for an appointment with David Price the local Debt Centre Manager.

0800 328 0006 is FREE from both landlines and mobiles

Churches Together are partnering with CAP to provide a CAP Debt Centre in Chepstow covering postcodes NP16, NP26, NP15 1 and GL15 5.  

Christians Against Poverty
How CAP can help - the steps to freedom

Step 1 - Home visit - due to Covid-19 restrictions all appointments are currently being conducted by telephone.

If you live in any of the postcode areas above you can phone the freephone number at the top of the page. After you call CAP, a Debt Coach from the local CAP Debt Centre will telephone you in your own home. If you live outside of these postcodes, check on the CAP website to see if your postcode is covered by another Debt Centre: https://capuk.org/i-want-help

Step 2 - An effective budget

Our trained debt counsellors will work out a realistic budget that prioritises your essential bills. Your local Debt Coach will then visit you again to explain the budget, any options or choices you may have to work your way out of debt, and what payments you will need to make. CAP will then negotiate affordable payments with each creditor and stop unfair interest and charges where possible.

Step 3 - Paying your debts

To help you stick to your budget and repay your debts we will set up a debt management plan for you. You will need to make one weekly, biweekly or monthly payment into your plan to cover your debt repayments. CAP will then distribute this to your creditors on your behalf.

Step 4 - Severe debt

If you are in severe debt, then we can walk you through insolvency options, such as applying for a Debt Relief Order (DRO) or petitioning for bankruptcy. We can help you to fill out the forms and even attend court with you if that is required.

Step 5 - Debt free

You will use your debt management plan to pay your bills and debt repayments and you will be supported by CAP until you are debt free.

Contact:  CAP UK