CAP is a debt counselling charity. We put a debt in their hands after going to one their courses at a local church. Much impressed by the course and CAP's promise to take the weight off shoulders ... However, we find ourselves with a case worker who doesn't reply to emails or letters, who, very seriously, made an error of judgement with a variation order (offered £1.00 a month - as the judge said, it would take nearly 200 years to pay that off ...) and, maybe worst of all, has stalled on negotiations with the creditor meaning that, contrary to all the CAP assurances, bailiffs are turning up on the door step.
Have tried to get another case worker but seem unlucky in this. Have set up an account in CAP's favour - as they requested - but the money is going nowhere (except into CAP's hands) because of their damn stupid offer which has, of course, been rejected by the court.
Has anyone had experience of being a CAP client or can advise on an alternative? Thanks.