If you or someone you know is feeling weighed down by debt, then we can help for free. You may think your situation is impossible, but there is hope. This service is for anyone who is willing to pick up the phone and talk to a friendly person who can help you with your debt problems.
Please call free 0800 328 0006 to book an appointment. Our friendly debt coach Pam Ansell from our East Dorset CAP Centre will then call you to confirm your appointment to begin your journey out of debt.
Christians Against Poverty or CAP is an award winning national debt counselling charity that has been serving people for free for 25 years. CAP offers hope and a solution to most people in debt, open to people of all lifestyles, faiths and none. Our service is unique, in depth and absolutely free. We will offer you a variety of support as you work with us from the start to the end of your journey out of debt.
For more information, please contact Pam Ansell on 07458 395740. Our CAP East Dorset, Ringwood and Bearwood Centre is a joint project of the Bus Stop Club and Hope Church Ferndown. We have just celebrated our 29th individual/family in our area becoming debt free!
Please note: As the COVID-19 pandemic situation changes, we also will change to stay in line with government guidelines. Currently, we are offering a mixture of face-to-face and/or phone-based appointments as part of our debt counselling service. Despite all the changes we are facing, we continue to provide a holistic, personal service for every client.
Susan Sutherland the Project Manager for the Turbary Resource Centre on the Heatherlands Estate can be contacted on 07866 692528 to help with any queries during the COVID-19 pandemic any morning 9:00 – 12:00 or after 3:00pm. This can include our major offerings of M.O.A.T. (1-2-1 coaching in Management of Anxiety and Trauma Recovery), CAP Debt Help and food store cupboard etc.
We have come through another year of change – and thanks to our trustees, management board, staff, volunteers and supporters we have been able to adapt and respond to the changing needs of our local community.
Highlights of the year:
• More CAP debt clients have received support this year in various practical ways, with many becoming debt free. What an achievement!
• We have offered 1:1 mental health coaching sessions for those seeking to manage and reduce levels of anxiety and recover from the historic effects of unresolved trauma. This programme continues into 2022.
• Our Food Store Cupboard has been open to the public 9 – 11am every morning. Thanks to donations of food and household items from local stores, churches and individuals, our Store Cupboard has been open to the public 9 – 11am Monday to Friday during term time.
• Individuals and families with complex needs have been supported by the staff and volunteers.
• Christmas hampers, groceries, treats and craft bags have gone out to CAP and other clients over the Christmas period.
Your help this year has made such a difference – THANK YOU so very much for your support.
On the 13th of November we marked our 11th Anniversary since opening our Centre. We are so thankful to have been able to serve local families and individuals through having our own dedicated building located behind Hope Church. This has only been possible due to generous donations, grants, fundraising and the many volunteering hours of wonderful helpers who have touched lives for the better.
Support for parents and adult educational courses have been a key feature providing life skills, mental health and trauma support. CAP Money Budgeting course, Job seeking clubs, IT and Nutrition are just samples, through to the SOS trauma recovery and Mental Health First Aid, to the current MOAT course which offers 1 to 1 coaching in the Management of Anxiety and Trauma.
Our primary project for much of this time is our East Dorset Christians Against Poverty Debt Centre. We provide a face to face free service in partnership with Hope Church and CAP Head Office in Bradford. While we do not pay the debt of our clients, we negotiate with creditors and put together an individualised budget. Holistic support is offered throughout their journey out of debt. Thus far we have supported 29 families and individuals in becoming debt free and starting afresh. A further 14 families have gone on to clearing their debt independently as a result of our support. Alongside this we offer the CAP Money Management course which is open to all to help people to budget and gain control over their finances.
Our after school and craft clubs have been enjoyed by many a family, as have our many years of running Friday night café until Covid sadly resulted in lockdown for all of us. Café was an opportune time for clients from all our projects to relax and enjoy wholesome low cost meals with friendly company. Hope Church Ferndown sponsored the meals for our CAP Debt service clients.
We continue to enjoy close links with Jean Read, who opened our Centre as part of her Mayoral duties 11 years ago. She often pops in to the Centre, and has been spied helping in the background during Christmas meals for our clients and volunteers. Our local police and police support officers have been involved over the years, often popping in to engage with staff and families when in the local area.
It’s been a privilege to have been chosen to receive various Dorset County Befriending Awards for volunteers. This has been a wonderful accolade to the calibre of volunteers who support our clients and ‘go the extra mile’.
As ever, our essentials Store Cupboard continues to be a major part of our support for local residents. This is stocked by donations from local stores and churches, providing practical support in increasingly challenging times. In addition we cooked and delivered hot meals and groceries to clients during various lockdowns in the Covid Pandemic and at Christmas.
Looking back it’s phenomenal to see what has grown from something that started with offering school parents a cuppa and a chat while they waited for the bus!
Our warmest thanks to all who’ve made this possible over these 11 years!
United Church Ferndown celebrate the providence of harvest time each year. We are most grateful to them for kindly donating their beautiful collection of Harvest foods to us! We will use it to help local residents and CAP Debt clients who are in great need in these increasingly challenging times.
The Bus Stop Club and Hope Church share tips to help people
During Warm Homes Week 27-30 September, The Bus Stop Club Charity and Hope Church, Ferndown is highlighting the issue of fuel poverty.
The charity and church run a Christians Against Poverty (CAP) Debt Centre which offers free debt help for clients in the local area.
Pam Ansell, East Dorset & Ringwood Debt Centre Manager, said: “We’ve seen food prices rise, the Universal Credit uplift being cut and now with fuel tariffs increasing we’re worried about where this will leave people.”
“We’re encouraging people to access help and support towards the beginning of the winter rather than waiting until the end.
Many of those we help have struggled to stay warm over the winter, but knowing where to get support, combined with some simple energy saving tips, can make a difference.”
There are several schemes and top tips which can help people with saving money and staying warm this winter:
Check with your energy company whether you are on the most appropriate tariff for your gas and electricity and if necessary, shop around for a cheaper deal by swapping suppliers.
Ensure that your meter readings are accurate and that you are only paying for the energy you use.
Investigate whether your home needs insulation to keep as much of the heat you are paying for in your home rather than having it escape through the roof and walls. Find local sources of support for warmer homes such as boiler grants and free loft insulation. For more details see: simpleenergyadvice.org.uk moneysavingexpert.com/utilities/free-cavity-loft-insulation or moneysavingexpert.com/family/grant-grabbing
Turn the thermostat down by just two degrees from 20°C to 18°C.This will make a big difference. If you can afford to, make sure that you have your boiler serviced to ensure it is operating efficiently. If you still feel cold, wrap up in a jumper or blanket before turning the thermostat up any higher.
Spend less time in the shower by setting a timer. This could save a family of four, on average, as much as £100 per year.
Use cold water for handwashing. It’s the soap that kills the bacteria, not the hot water.
Unplug your microwave. A microwave uses energy to power its clock 24/7. By unplugging it when you’re not using it, you can really cut down on electricity.
Replace your light bulbs. Moving from traditional incandescent bulbs to CFLs (compact fluorescent lamps) or LED bulbs saves money because they are 90% more energy efficient and last 50 times longer.
CAP client, Peter, explained how CAP helped him: “The letters were piling on the anxiety. It wasn’t good. When you’ve got that pressure on you, it makes you feel very depressed. You don’t want anybody to find out, so you try and keep everything to yourself.
I was paying to settle my debts with gas and electricity – it was an accumulation of debt over time.
Now the debt is paid off. It makes life easier! I don’t have to pay those increased costs as I’m not in debt anymore. The payments have come down, so I have more money to play around with. Now, I have gas, electric and insurance which is all paid by direct debit. Then I have water and television that I pay for regularly. Now once I’ve paid those I don’t have to worry.
When something comes through the door now, I don’t have to feel afraid anymore. It’s great! I’m not fearful of it.
Working with CAP has made a big difference to my life now. It’s a sense of being determined not to get into that situation again. That’s the biggest thing for me. And to try and keep to a budget.
It’s a bit of a reality check. It’s easy to get into debt, anybody can get into debt, and there are people a lot worse off than me. But there’s no use running away from it and burying your head in the sand. You’ve got to face up to it and want to try and sort it.”
Pam added: “For some people, like Graham, it may be that debt help is needed but for others, these simple tips or knowing where to access help with grants and low-cost support schemes can be all that’s needed to go into the winter feeling prepared.”
If anyone reading this is worried about debts piling up that are causing anxiety and stress, then contact CAP on 0800 328 0006 as soon as possible to get free debt help.
Before the pandemic hit us, we enjoyed games nights on Wednesdays after school. During the pandemic we delivered craft packs to the doorsteps of local families. From September 2021 we hope to meet again at the Centre for craft and fun activities on Wednesdays between 3.30 and 5pm.
Other things we do together with our school aged families are times for yummy free refreshments, Art and Crafts, relaxed free play, IT access for homework projects and Chat for parents.
Wow what an impressively tall Jenga tower!
Beautiful colourings and battling contestants!
Fun puzzling their way to a great looking finish!