Launching the new CAP Centre in St Patrick’s Parish Centre, Ballymoney Rev. Brian Howe, Mr Ian Stevenson, Rev. Andrew Sweeney and Mrs Beth Thompson Christians Against Poverty is a charity determined to reduce hardship in the UK, with the help of local churches. It does this through 239 debt counselling centres; a money education programme The CAP Money Course and CAP Job Clubs for unemployed people. All our services are given freely for everyone regardless of age, gender, faith or background. CAP's service is completely free and available to all, regardless of faith, age, gender, race disability or sexual orientation. We work alongside different community agencies to help those that need it most, and seek to work in partnership with other free debt advice organisations such as the Citizens Advice Bureau, housing associations, local councils, social services and other community groups. CAP is available to anyone who lives in the catchment area of one of our local CAP Debt Centres


How CAP can help - the steps to freedom

  Home Visit

To make an appointment phone the Client Enquires Team FREE on 08003280006 or you can contact Beth Thompson, the Debt Centre Manager for the Ballymoney area directly on 07879332449 she works Tuesdays and Wednesdays or call the National PR Manager Marianne Clough on 01274 761924. After you call CAP, a Debt Coach and befriender from the local CAP Debt Centre will visit you in your own home.


  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.


  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. You can also save using your plan.


  Severe Debt

If you are in severe debt, then we can walk you through insolvency options, such as petitioning for bankruptcy. We can help you to fill out the forms and even attend court with you.


  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.


  News From CAP Ballymoney

Dear friends,

Our debt centre has been up and running now for eleven months and I want to share with you details of our progress. Since November 2013, eighteen families in our Borough have called the Freephone number to ask for help in overcoming their debt problems. Making the call is a sign they are ready to deal with the situation which has often been growing and becoming increasingly complex as a result of taking on more and more credit. Each of our clients has been visited in their home by myself and one of the visit team, who are all volunteers from our parishes, as well as three from other churches in the town. We are able to go in as a team and listen to the clients’ story, and thanks to the regular food donations collected in Finvoy, Rasharkin and Ballymoney, we are able to provide a food hamper on this first visit as an act of kindness. We take away evidence of all their debt, as well as their income, which is sent off to CAP head office in Bradford. A few weeks later we return to explain a budget which has been drawn up specifically for that client. This offers a solution to their debt problem as well as giving a definite time frame of how long it will take to become debt free if they work with CAP. There is no short cut to becoming debt free and it requires commitment and determination on behalf of the client. Some tough decisions need to be made in order to stick to their budget and make regular payments to CAP. I have great respect for some of the people we are helping as they put their trust in CAP and sign up to the solution we offer them. Once committed to CAP, life will hopefully become less difficult, and certainly less complex, for our clients as CAP then deal with all their creditors. All post is forwarded to CAP who have good relationships with Credit Companies and will work hard on getting interest fees removed and charges stopped. This, in itself, removes a huge burden from the client. The CAP system has been really effective; so far we have seen two of our clients become debt free, with another one nearly there!! We always offer prayer on visits and God has answered many of our client’s requests; for work, for, better health and restored relationships. The warm welcome they are given in church and at events is amazing. You are probably unaware of this, but it never fails to amaze me what a homely and loving place our Parish is. In conclusion, Thank YOU !! Everyone has had a part to play in establishing our Debt Centre. Whether you have helped financially, given foods, prayed for our clients, said hello to a new face in church, told someone about CAP, attended a fundraiser, climbed Slemish, made a meal or bought a ticket.!!! The story so far is full of hope, and I have every confidence we are heading in the right direction, reaching those who REALLY need our help.