I have spoken to David Pearson of CAP Bradford this morning and have to honestly say that he has dealt with my case brilliantly achieving a positive result with my debtors. He is at ALL times professional, kind, non judgemental and patient with a view always to removing stress and burdens from his clients. Sadly, not everyone is like David but we can all agree, that's just how life is. That said, I would highly recommend David Pearson of The Scotland Team to help anyone considering CAP as their "rescuer" as I cannot fault his way of dealing with people at any level. Sincerely 👍

Me and my partner went to Christians against poverty for help we was struggling to keep there monthly payments and we also found out that they was over charging us with are council tax arrears and after the third time of struggling to pay the £268.87 and they stop there service without out any care

A waste of time and effort. They don't appear to know what they're doing which isn't fair when dealing with vulnerable people.

Unbelievable how great everyone I've at CAP! They have truly helped myself and my family. If you are struggling please call them. You don't have to be a Christian, they help anyone Truly amazing

Things fine to start with, then multiple mistakes, agreeimg plans that were unaffordable with lenders then not paying amounts meaning charges applied. inability to add up or understand varying income. complaining led to constant pressure for me to leave programme rather than address issue. confusion from operators as to weekly and monthly disoosable income and confusion over inclusion if debt payments with spare income. complaints are 'handled' by manager ofthe team being criticised and serious issues raised are not addresses in favour of blaming the client. poor maths, getting behind on payments and incorrect creditor names on statements. if you mention this and show inredulity someome will call you and try to pray for you and ask you to accept jesus. if you dont, they end support. awful vulnerablity mill.. oh and i was told 'if you complain you are going up against God and God will win' during a discussion inwhich they said they would'help' me to sell my house... at Christmas.. they get 10‰ kickback from most problem lenders which makes them. more. debt collectors than counsellors

I have been with CAP since Aug 2016 (15 months) whilst I have had ups and downs income wise my debt has decreased from £3000 to £2400 (only because I have paid £300 out of my own pocket). They have always been very slow to answer e-mails and phone calls often go unanswered or a cut off. They do not offer benefit advice. They advised me to go bankrupt (my debt is too small and I would never work in finance again) They advised me to sell my home for £233 of mortgage arrears. They no longer allow people paid fortnightly to pay them fortnightly, causing further stress to clients. They would not let me make over payments as "it's not in the plan" My mortgage was consistently paid late, despite funds being transferred to them on time. They then gave up paying both mortgage and council tax arrears saying it would be easier if i did it myself. Finally they came up with a debt plan that meant I was paying out more than was available. I asked them to rectify it but they just couldn't grasp the maths! - I can only hope they have not promised creditors unrealistic amounts in my name! I notified them i would no longer work with them on Friday (5 days ago) and they have not responded.

I was £27000 .00 in dept in 2010 ,and getting nowhere with all the intrest payments , Cap set a prepayment program, contracted all my creaditers , stop or cut interest and was able to pay it all off , its be along hard road and not easy , i am now dept free as of this month paying my last crediter off... Cap where a God send for me , I now live within my means , never again will I walk down the road of dept and disrepair , I would recommend 100 percent Chritians against poverty, they were brilliant.

My son and daughter in law were clients just at signing for budget stage,we had spent fortune ringing creditors and sending the letter saying they were going to be represented by CAP..my son however just secured employment with a gym which although employed by gym he will have to register as self empliyed...so when CAP visited they were told their case was closed and CAP couldnt support them even tho they had been taken on ,all they got were a couple phone numbers...oh and the stress and worry of all creditors again. There wasnt anything offered by way of a transition or support to contact creditors they have basically been abandoned .....

In less than a year I am £42000 debt free! Something I did not consider possible when I contacted them in April 2016. It has not been trouble free but their help and guidance has been invaluable. They have been a buffer and an ally against my creditors and have enabled me to truly get on with my life and regain control of my finances. I strongly recommend anyone with any degree of financial difficulty to contact CAP.