CAP is a founder member of the Debt On Our Doorstep campaign network. This aims to end extortionate lending and ensure universal access to affordable credit and other financial services.

We continue to take an active interest in the reality of debt & credit for low-income households.

As well as the information below is on the campaign network's own website www.debt-on-our-doorstep.com

Payday lending scandal
US companies have imported the practice of payday lending to the UK. With no cap on the interest rates charged, this can trap people on low incomes into a cycle of debt and poverty. DOOD have run a successful petition, and are now asking supporters to persuade their MPs to sign an Early Day Motion on the topic.
The DOOD News blog has details of how to contact your MP, and a briefing on the payday lending scandal.

Scaling Up for Financial Inclusion
This report examines the consequences of over-indebtedness and extortionate lending, and proposes a framework for delivering affordable and accessible fiancial services to low income households.
Available are the 4 page summary (20k pdf) or the full 36 page report (185k pdf)

31 ways to tackle debt & financial exclusion
A guide with practical and campaigning responses to debt and financial exclusion, as well as ways to understand it more. download (123k pdf)

Analysis of Provident Financial & the case for an interest rate cieling
Accountant Richard Murphy looked through the accounts of doorstep lender Provident Financial and found a stronge case for a legal limit to interest rates. download (74k pdf)

Tackling loan sharks – and more!
Debt on our Doorstep’s response to the Department of Trade and Industry Consultation on Modernising The Consumer Credit Act 1974. download (79k doc)

No case for a cap? Why the DTI has it got it wrong
This 2004 paper critiques the research report that the DTI commissioned from Policis, on which they based their rejection of statutory interest rate cielings. download (31k pdf)

School report on Government's progress on debt
A tongue-in-cheek review of the progress the Government has and hasn't made on debt and financial exclusion. download (35k pdf)

My life in debt
Shelia spoke at the Debt Lobby on 3 December 2003 about her experiences of debt over the past seven years.

Debt Action Pack
2001 booklet of what churches can do to about debt in their area. download (136k pdf)