LANCASTER, MORECAMBE AND DISTRICT CHURCHES DEBT CENTRE

Registered charity 1173790 · accounts filings on the Charity Commission register

Christians Against Poverty (CAP) is passionate about releasing people from debt, poverty and its causes. CAP brings good news, hope and freedom.Every client is visited in their own home, while CAP do all the negotiating with creditors to reduce the outstanding debts. CAP gives advice on a suitable budget so that clients meet their debts while local volunteers offer them ongoing support.

Objects

(A) THE RELIEF OF POVERTY FOR PERSONS LIVING IN AND AROUND THE LANCASTER, MORECAMBE AND DISTRICT, WHO ARE IN CONDITIONS OF NEED, HARDSHIP OR DISTRESS BY REASON OF THEIR SOCIAL AND OR ECONOMIC CIRCUMSTANCES BY PROVIDING ADVICE AND OTHER SERVICES AS THE TRUSTEES MAY FROM TIME TO TIME THINK FIT;(B) THE ADVANCEMENT OF EDUCATION OF THE PUBLIC LIVING IN AND AROUND THE LANCASTER, MORECAMBE AND DISTRICT IN ALL MATTERS RELATING TO THE MANAGEMENT OF THEIR PERSONAL FINANCES AS THE TRUSTEES MAY FROM TIME TO TIME THINK FIT;(C) THE ADVANCEMENT OF THE CHRISTIAN FAITH THROUGH CARE, COMPASSION AND RELEVANT PRACTICAL AND SPIRITUAL HELP AS THE TRUSTEES MAY FROM TIME TO TIME THINK FIT.

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: General Charitable Purposes · Education/training · The Prevention Or Relief Of Poverty · Religious Activities · Economic/community Development/employment · website · Get email alerts

Latest income

£34k

Latest spending

£30k

Registered

2017

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity achieved a substantial surplus of £4,344.98 for the year, driven by higher-than-expected individual donations and grant funding. Per the treasurer's report, the charity maintains a stable financial situation by supplementing core income with grants and fundraising, though it notes a desire to increase regular core income in the next financial year.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Discloses 3 of 6 completeness components.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

Bullying and harassment policy and procedures
Campaigns and political activity policy and procedures
Complaints handling
Complaints policy and procedures
Engaging external speakers at charity events policy and procedures
Financial reserves policy and procedures
Internal charity financial controls policy and procedures
Internal risk management policy and procedures
Investing charity funds policy and procedures
Paying staff
Risk management
Safeguarding policy and procedures
Safeguarding vulnerable beneficiaries
Serious incident reporting policy and procedures
Social media policy and procedures
Trustee conflicts of interest policy and procedures
Trustee expenses policy and procedures
Volunteer management

Trustees · trustee networks

Rev STEVEN DAVID HEWITTchair · trustee of 1 other charity
Chris McDonald
Hannah Bell
Jane Callow · trustee of 1 other charity
Nigel Purcell
Peter Carrington · trustee of 1 other charity
Stephen Jarmin

Trustee list from the Charity Commission register (current, not historical).

Operates in: Lancashire

Income and spending

Financial year end	Income	Spending
30/09/2025	£34k	£30k
30/09/2024	£27k	£26k
30/09/2023	£29k	£29k
30/09/2022	£20k	£27k
30/09/2021	£32k	£33k

Common questions

Is LANCASTER, MORECAMBE AND DISTRICT CHURCHES DEBT CENTRE financially healthy?

Per its FY2025 accounts: The accounts state that the charity achieved a substantial surplus of £4,344.98 for the year, driven by higher-than-expected individual donations and grant funding. Per the treasurer's report, the charity maintains a stable financial situation by supplementing core income with grants and fundraising, though it notes a desire to increase regular core income in the next financial year.