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Do you need help with debt?

Call free 0800 3280006

Weighed down by debt?
Weighed down by debt?

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 3280006 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 or 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.

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There is always hope.

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Open door at the centre

HOW TO GET IN TOUCH WITH US

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.

Alternatively you can send Susan a text on 07866 692528 or an email at ssutherland@hotmail.co.uk 

Stay Warm This Winter as Energy Prices Rise

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:

  1. 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.
  2. Ensure that your meter readings are accurate and that you are only paying for the energy you use.
  3. 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
  4. 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.
  5. 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.
  6. Use cold water for handwashing. It’s the soap that kills the bacteria, not the hot water.
  7. 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.
  8. 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.

Games Night!

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!

East Dorset & Ringwood Debt Centre Encourages People to Seek Free Debt Help Urgently

The East Dorset & Ringwood Christians Against Poverty (CAP) Debt Centre based at the Bus Stop Club Charity and Hope Church has been delivering free debt help to people across the area for over seven years and throughout the pandemic.

With measures such as the furlough scheme due to come to an end on 30 September, it is expected that more people will need to know where to turn for help with problem finances.

Pam Ansell, East Dorset & Ringwood CAP Debt Centre Manager, said: “We really want to urge people who are struggling with debt to seek help as early as possible.

The furlough scheme has helped plug the gap for many people, but not everyone will be able to get back the same hours and income with their employers. 

At first, it might seem you’ll be able to manage by tightening your belts a bit, but low income and debt often go hand-in-hand. In fact, at CAP, low income is the most common reason for debt.  

Over half of people in debt wait over a year before seeking help.  The quicker people get in touch, the sooner they can get support and solutions in place.

Sadly, we’ve seen all too often that people are struggling to find enough money to cover essentials like rent and heating and then not having enough money left for food or to pay back arrears. It’s a juggling act which is impossible to manage without help.

CAP client, Lisa*, said: “The lockdown has been hard, but the team gives me a weekly phone call to check if I’ve got enough food and I’ve paid my rent. They’ll go the extra mile.”

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.

*Name changed to protect CAP client’s anonymity.

29th Family DEBT FREE

Celebrate 29 with us! Woohoo!

There is always hope…

Another of our clients have completed their respective route out of debt. This brings our total to 29 families or individuals who have achieved Debt Free status with our free and holistic support since we opened seven years ago as East Dorset Christians Against Poverty (CAP) debt centre.

Christians Against Poverty - There is always hope

With their multiple award-wining free service, CAP Head Office negotiate with creditors to set up payment plans and budgets in line with government guidelines. Our local Debt Coach, Pam Ansell and volunteers, provide a variety of practical and befriending support tailored to the client’s preferences throughout their journey out of debt. People are helped irrespective of their age, gender, faith or background.

It all starts with a free call to 0800 328 0006 where you will speak to a friendly person who will book your first 1-2-1 appointment with Pam. Or for more information please contact Pam Ansell on 07458 395740.

There is always hope.

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