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Daventry United Reformed Church 45 Sheaf Street Daventry NN11 4AA Jesus is Lord |
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BACKGROUND TO CAP |
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CAP opened its doors in Bradford, helping people in financial difficulty, in August 1996 with a donation of £10 and just one client!
Its founder, John Kirby, brought a wealth of personal experience to CAP in terms of debt and money management; previously John had been a successful business man, working in the finance industry, had fallen on hard times and faced bankruptcy. It was during this period of extreme financial difficulty that John used all his previous work expertise to pay off his creditors and get out of debt. In effect he learnt first hand what CAP now does for others in similar circumstances.
From that small beginning in 1996 CAP has grown. It is now an international debt counselling charity offering face to face support to those struggling under the burden of debt and currently handles £65 million pounds of client debt. Although the charity has a Christian ethos, the service is open to all members of society, regardless of belief, race, sexual orientation etc.
CAP works with a growing network of centres in partnership with local churches. Daventry United Reformed Church became part of that network in the summer of 2010 and appointed Terry Charker as the designated lead within the church to take the work forward.
Terry is the CAP Centre Manager at Daventry United Reformed Church. He has over 8 years experience in the finance industry, providing non-judgemental budgeting advice and support. His aim is to simply show the love of Jesus Christ through the CAP programme, remembering that Jesus said, 'Come to me, all of you who are weary and burdened and I will give you rest'. (Matthew 11: 28)
What CAP can do for people experiencing financial difficulty: CAP offers a FREE really comprehensive service - not just for a few weeks of good intentions but for up to 5 years until people are debt free. The CAP organisation works to a 5 step programme which looks like this:
Step 1 - Home Visit After calling each client is visited in their own home several times by a debt coach and a befriender from their local CAP centre. On the first visit a comprehensive financial fact-find is filled in.
Step 2 - An Effective Budget The fact-find is then sent to CAP HQ in Bradford, where a team of experts work out a realistic budget, by prioritising essential bills, negotiating affordable payments with each creditor and working to stop unfair interest and charges.
Step 3 - CAP Account A CAP Account (which act like a simple bank account) is set up by CAP in Bradford. The client makes one weekly or monthly payment into their account to cover all their bills and debts, which is then distributed on their behalf.
Step 4 - Insolvency If a client is in severe debt then CAP can walk them through the appropriate insolvency route. CAP can help existing clients with insolvency costs in cases of severe hardship, filling out forms and attending court with clients.
Step 5 - Support Until Debt Free Clients continue to use their CAP Account to pay their bills and debts and are supported by a team until they are debt free and beyond.
What else do CAP offer in Daventry? Terry also runs CAP Money. This provides free money management workshops, which help people to manage their finances more effectively. these course are designed for both those who are receiving debt advice through the 5 Step programme above, and for those who wish to gain better control of their finances. the workshops are run once a week for 3 weeks in the evening for about one and a half hours each time. For dates and times of next workshop please contact: Terry Charker Tel; 01327 340466
For more information or to book a CAP home visit, please call free on 0800 328 0006
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