APS Negative Equity Solutions Competitors

Christians Against Poverty (CAP) is a Christian charity tackling poverty in communities across the UK through free debt help and local community groups. We exist to equip churches in serving the community and showing God’s love to others. CAP provides award-winning free debt help through local churches. Each church’s CAP Debt Centre offers emotional and practical support, while our head office team in Bradford provides bespoke debt advice and a plan to help you get out of debt. CAP also offers community groups dedicated to tackling poverty at the root. These are run through local churches, and cover topics such as: > Interview skills, applying for a job and writing a CV > How to budget and making your money go further > Key life skills Always through the Church. Always hope. Through a network of almost 300 CAP Debt Centres, CAP offers a free face-to-face debt management service, with advice and ongoing support provided from head office. In addition to this, CAP provides face-to-face adult financial education across the UK in partnership with 760 churches who run the CAP Money Course. This is a three-week money management course, which equips over 7,500 people each year to budget, save and spend wisely. CAP has also recently expanded to tackle more causes of poverty. To this end, CAP now operates CAP Job Clubs and CAP Life Skills groups to empower members with the essential skills and support they need to live on a low income. To search for a CAP centre, enter a postcode at capuk.org/i-want-help and to book an appointment call free of charge on 0800 328 0006.

PayPlan has been helping people in debt for over 30 years. We’re one of the largest providers of free debt advice and debt management plans in the UK and are trusted by some of the country’s largest employers, unions, lenders and voluntary organisations to help the people they work with successfully make their way out of debt. We were originally set up to assist the police in helping their employees and this unique, partner-led perspective has driven our approach ever since. We’re committed to collaboration – to sharing our knowledge and best practice in order to raise the bar for debt support and achieve the very best outcome for every person who comes to us. In short, we know debt. And we’re here to help our partners know and understand it too.

StepChange Debt Charity is a registered charity offering free, confidential advice and support to anyone who’s worried about debt. Don't wait to get help. We're here if you need us. Our specialist advisory service helps thousands of people across the UK each year by advising on personal budgeting, the wise use of credit and, where appropriate, managing achievable plans to repay debts. With over 30 years experience, we offer a range of services and solutions through our national telephone service and online debt help tool, via our eight regional centres. >> Our vision: a society free from problem debt The value of what we do can never be underestimated. Problem debt causes untold distress to individuals, but the damage goes much further – ruining homes, wrecking families and affecting whole communities. Our interventions have helped transform the lives of millions. And we are committed to helping millions more. >> Work with us We currently work with over 900 partner organisations across a wide range of sectors, including banks, retailers, local authorities and charities. If you’d like to work with us, please visit www.stepchange.org/Partnerships.aspx or email partnerships@stepchange.org >> Work for us To work for us is to make a genuine positive difference to people when they need it most. From the frontline services to marketing, everyone plays their part. See jobs.stepchange.org for a list of our current vacancies. >> Say hello Twitter: @StepChange Facebook: www.facebook.com/stepchangedebtcharity Instagram: @stepchangecharity