In our society borrowing has become necessary for most of us, which works while our income can cover rent or mortgage and other bills. However, a family crisis, redundancy, ill health etc., may quickly cause us to go into debt that becomes too difficult to manage on our own. This is where our CAP Debt counseling can help.

CAP is a national charity working across the UK to lift people out of debt and poverty, offering free debt counseling. Our Weymouth and Portland based Debt coaches will visit and help you sort out your bills, and with expert help (registered with the FSA) help you set a budget that is sustainable so that you can become debt free. 

Contact CAP on 0800 3280006  and Sally Hunt, the local CAP Debt coach will be in touch or capuk.org for further information  Nationally, through local centers, based in churches CAP helps 20,000 people find their way out of the black hole of debt. This service is open to everyone, and you do not have to be a Christian or have any faith to access the service and get the help you need.

The churches in Weymouth and Portland work together, REFRESH  is the social action of the churches working together see www.refreshme.uk  They work together on many low cost, high impact projects using our volunteer "workforce"  of members.   This includes Soulfood, for the homeless and those with addiction issues, Street Pastors, Food banks and most recently Debt help in partnership with national debt counseling charity Christians Against Poverty (CAP)
All these are offered free of charge to anyone, regardless of gender, race, sexuality or faith.  Our churches are based here, in the Borough of Weymouth and Portland - some in the four most deprived wards in Dorset and are at hand to help many of the most needy people.

We offer comprehensive and tailored support to our CAP clients by going into the clients home, at their invitation. With the Debt coach is a volunteer support worker (Befriender), who is available to offer encouragement and practical support as the client works through their debt management program. Many of those needing support have become socially isolated and find it hard to open their door or even go out, so we go to them. This also helps us to assess their needs realistically. If they need food, we give them a voucher for the Foodbank, and if this is on a day when the Foodbank is closed, the support worker will shop for the client to get them through the next few days.

It may take several visits to collect all their bills, and debt paperwork, but when this is done, it is sent to CAP headquarters in Bradford, where trained Debt Counselors contact creditors, repayment plans set up, create a livable budget and recommend the best route out of debt. The Debt coach will then spend time with the client explaining and helping them to manage this, and the Befriender will provide ongoing support, often until the client is debt free. The role of the Befriender is to build confidence and help the client to face the world, perhaps by taking them out for coffee or to events, and working with them and their family.

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For more information contact Sally Hunt 07917 704886

 

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