Offering hope and a solution to people in debt
Debt drives people to desperation:
- Fact: Debt is the most widespread cause of poverty and misery in the UK.
- Fact: Debt causes stress, illness, relationship breakdown, eviction, even suicide.
- Fact: If you are reading this and struggling with debt you are not alone.
Christians Against Poverty (CAP) is a national debt counselling charity with a network of 160 centres based in local churches. CAP offers hope and a solution to anyone in debt through its unique, in-depth service. TVC Church is one of these 160 centres, serving the Tees Valley area to help people become debt free, and aims to show God’s love in action by providing sustainable poverty relief through debt counselling, advice and practical help.
CAP’s unique ‘hands on’ approach empowers people to help themselves out of poverty and be released from the fear, oppression and worry generated by overwhelming debts. We are providing sustainable poverty relief as our service teaches clients vital budgeting skills (CAP Money [web link]) that will last a lifetime. Sorting out people’s finances is not a ‘quick fix’. It takes hard work and a lot of adjustment.
Up to 2011 TVC Church had helped over 225 people to get control of the spiralling debts and to see many of them become debt free, stress free and many family relationships saved and restored.
The CAP Centre at TVC Church has been managed by Julie Parker since 2006, and she is supported by a group of enthusiastic volunteers and helpers. The service is free and confidential, and we have many powerful stories of restored hope; some of which are shared below from our clients.
“Debt meant I was living a life that was dark, depressing, and scary. Even Paul (my partner) did not know about the debt, nobody else did. I was so alone; I painted on a smile and made everything look fine, underneath it all I was breaking.
I would often wake up in the middle of the night because of the strain I was under; I could see no other way out other than taking my own life…I decided to take an overdose. I had it all planned. But God had other ideas.
We went on a family holiday with the church; Julie spoke about CAP. Afterwards, I broke down and told her everything. Her first words were ‘Don’t worry, we can help you. You’ll be alright’. That was when I realised there was a way out. There was hope.
I called CAP as soon as I got back, and Julie came to see me. We were days from eviction, but CAP saved our home. They took all the worry away. I found I could smile again, but now it was real. We are still not debt free, but we are in control of our finances, and life is now amazing. I still have a family and a home. I am so grateful.”
“I can’t say thank you enough. It is lovely, I am so grateful to everyone who has been involved for their help, support and kindness…I have met some kind, friendly, amazing people, and will never forget what they have done for me…”
“If it wasn’t for CAP I would not be free from debt…before it all happened I was not able to handle my money, getting credit cards and getting into more and more debt. I was thinking of giving up, and felt so down. I spoke to CAP, and had hope again. My life is turning around.”
“We found out that the bailiffs were coming in 2 hours, and just panicked, we were angry, upset, and did not know where to turn. We contacted CAP, who contacted the bailiffs and managed to delay them whilst the creditors were spoken to by CAP. We were overwhelmed by the help, love and support we were shown; from the bottom of our hearts, ‘thank you’.”
“Thank you for all your help and support you have given us. Our best Christmas present this year is the hope of a better future, now we can see some light at the end of a long dark tunnel. All due to TVC Church and CAP”.
You can find out more about Christians Against Poverty by visiting the national CAP website here