Ely & District CAP Centre
Struggling with debt? Call free on 0800 328 0006
What We
Do
Find out more about Ely and District CAP and how we help those in the CB6 and CB7 postcode areas of Cambridgeshire who are struggling with debt
Client Story
Adam*
My childhood was difficult and money was always a struggle. I also found school difficult and struggled to learn to read and write. I was only diagnosed with severe dyslexia later in life. I did marry but suffered repeated financial abuse and the marriage broke down, leaving me suffering with depression and anxiety as well as chronic physical pain. I moved to Ely and contacted Ely and District CAP to help with my debt and hope to start getting my life back on track.
*Name has been changed to protect the individual's privacy
Despite these setbacks, from our first meeting Adam was warm, welcoming and open to the process of becoming debt free with CAP. Because CAP offers a unique face to face process, we were able to help him through the forms required to set up a DRO (debt relief order). This meant that Adam no longer faced the anxiety and concern that calls and letters from creditors bring and that there was a budget and a way forward that he could work with to organise his finances.
It has been great to work and pray with Adam through the CAP process and most of all to be able to introduce him to many more friends from our church. Nothing gives me more pleasure than seeing Adam's smile after a service and being able to know he is cared for by our church community. Adam still faces many challenges, but perhaps the greatest thing that has changed is that he knows he doesn’t face them alone.
Pat del Grazia, Debt Coach
Our 5 Step Process To Going Debt Free
Home Visits
Once you call us, a local debt coach will visit you in your own home, explain the process and start getting your journey to debt freedom started.
An Effective Budget
The debt coach will work out a realistic budget by prioritising your essential bills. We will contact creditors on your behalf in order to stop unfair charges or interest, as well as arranging and setting up new affordable repayments.
CAP Plan
You will need to make one monthly payment into your CAP Plan to cover your bills and/or debts. CAP will then take over the distribution of these payments and help you to build up savings where possible.
Severe Debt
If a CAP Plan doesn't work for you, we will walk you through the possible insolvency options and can even help you fill out forms and accompany you to court if necessary.
Debt Free
Your CAP Plan can be used to pay your bills and/or debts until you are debt free!
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Or the team will support you until your insolvency option comes through and you are debt free!
