DEBT RELIEVER WINS AWARDS

This charity provides financial planning and debt relief to almost 8,000 people a year through church-based centres. It also provides people with basic bank accounts to help them organize their bills and debts. In 2006/7, 20 new centres opened, and CAP won several awards for the second year in a row. But its annual report provide us with only a sketchy outline of the charity's financial performance, which is worrying for an organization in the financial-education business.

Are you from this charity? Have your say.

QUALITY OF REPORTING

What is this? 		51%
How much info does the charity want to share? This score, taken from our search for 43 key points in the annual report, gives the answer. Top mark is 100%. Anything over 70% is a good effort.

SIZE OF CHARITY...

What is this? 		Medium
We only profile the largest charities in England & Wales, and our sizes are relative to the largest and smallest among them. So where we describe a charity as 'Small', it is still much larger than the national average.

HIGHEST SALARY

What is this? 		Under £60k
Taken from the vague bandings given in annual reports; note that 'Under £60k' could be £9k or £59k. Nonetheless the number of bars should roughly correlate with the 'Size of charity' bars.

RESERVES WOULD LAST...

What is this? 		0 months
If income dried up, how long could work continue? 3-12 months is normal. Less may be precarious. 12+ months may be over-cautious (or if very high, may represent the value of the charity's property).

ETHICAL INVESTMENT POLICY

What is this? 		No investments
We asked the charity if it has an ethical investment policy. If yes, it gets an angel. Those with no policy but which don't invest in tobacco/arms get a halo. Those without investments, or who didn't respond, appear neutral. Those with stakes in arms/tobacco get a fallen angel.
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visit the charity's donation page

Reviewed: 2008-05-13     Accounts ending: 2007-05-31

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VITAL STATISTICS

ANNUAL EXPENDITURE
£2,921,005
What is this?
Of all the charities we profile...
- Less than £1m is tiny
- £1m to £5m is small
- £6m to £10m is medium
- £11m to £50m is large
- Above that is very rare
SPENT ON CHARITABLE WORK
90%
The rest usually goes into raising more income. A little covers legal requirements.


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Reader's comments

Like others
Submitted by Martin Davies (not verified) on Tue, 22/07/2008 - 5:26pm.

As are many other charities also in this field.
I know of at least one that does charge fees. But to the lender, not the individual.


Christians Against Poverty.
Submitted by Rose Chanel on Tue, 22/07/2008 - 2:01pm.

This charity is a very worthwhile organization that really helps people who are in debt, and do not charge any fees for their help.


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