According to the Bank of England, the average Briton is sinking under a pile of debt – estimated to be more than £30,000 – racked up while staying afloat during the pandemic and paying for events like Christmas.

The Bank’s latest research also shows less than 10% of UK households are debt-free. This is a staggering statistic, for slowly but surely, it would seem most of us are heading for a day of financial reckoning sometime in the not-to-distant future.

Yet there are organisations out there who want to help. No strings attached. No hidden agendas, only a desire to offer support and relieve suffering.

WEIGHED DOWN: couples aged over 55 are among the most indebted people in the UK.

Christians Against Poverty (CAP) is one such organisation.

The charity, founded in Bradford more than 20 years ago and with a very visible link to the Christian faith, has supported more than 20,000 people through their debt problems since its formation. And it is now stepping up its efforts to reach even more people in need throughout England, Scotland, Wales and Northern Ireland.

CAP clients often say they feel like they are a failure, therefore kept their debt problems hidden for years, forever placing a ‘sticking plaster’ over them. Their solution was to take out yet another loan or go without meals in order to pay the rent or buy new shoes for the kids. 

Its most recent client survey supports this assertion, revealing most people live with the escalating problem for two years before going to CAP for help.

THE NEVER, NEVER: credit card spending just exaggerates the scale of someone’s debt problems.

“Feelings of despair, shame, guilt, hopelessness all adds to the challenge,” commented a spokesperson. “In a strange sort of way, living with unmanageable debt can become the norm, meaning that many cannot imagine living without the weight of missed payments, spiralling costs, demanding creditors, going without meals, etc.

“People fall into debt for all sorts of reasons – unemployment, illness, relationship breakdown to name but a few. [This] could happen to any of us, but not all of us have the ‘margin’ or ‘resilience’ in our lives to weather the storm.”

CAP’s non-judgemental support allows its clients to open up and share their stories – and then get practical help to gradually resolve things.

MEETING A NEED: there are 300 Christians Against Poverty debts centres around the UK.

There are many debt counselling charities and organisations offering their services to potential ‘customers’. But CAP’s service is one wholeheartedly recommended by Sorted – because it is free of charge and accepts everyone who asks for help.

It is professionally regulated and has almost 300 local debt centres across the UK, all of them located within church environments. But if a client doesn’t want to go into a church building, that is also okay. In these situations, CAP counsellors happily visit people in their own homes, where they often feel more relaxed and secure.

Steve Legg

Steve is a British speaker, author and founder of The Breakout Trust, a Christian mission organisation based in Littlehampton on the south coast of England. Since 1988 he has travelled the length and breadth of the UK and 30 countries overseas, covering a staggering 1.5 million miles on the road, using a crazy mix of comedy, trickery and mystery to communicate the Christian message to young and old. He has performed at top venues globally including NIA Birmingham, Wembley Arena and London’s Royal Albert Hall. Radio and TV appearances are in the hundreds. His passion is creative communication of the Christian faith through performances, books, DVD’s and other resources. The author of 17 books, these days when he’s not on the road, much of his time is spent on the groundbreaking men’s Christian lifestyle magazine, Sorted.

You may also like

Sorted Magazine

Sorted discusses the big issues of the day – focusing on subjects as diverse as culture, sport, cars, health, faith, gadgets, humour and relationships. We aim to be positive and wholesome in all we do. And we have been achieving this since 2007.

Every printed issue of Sorted is read by more than 100,000 men in 21 different countries – while digitally, the number of people reading our online content (free and via subscription) continues to soar.




Follow Us



Visit our shop for great gift ideas