I am prepared to believe that it can be caused, typically by bad building practice such as rubble in the cavity or putting plaster or render on a wall that reaches down to water and allows it to creep up, but I have seen photos of laboratory tests, and old buildings, of good clean brickwork, with no DPC, where the bottom of the wall is actually standing in water, but the damp only rises by a couple of courses. Ordinary bricks and mortar prevent water rising far by capillary action, because the tiny "pores" in bricks are smaller than those in mortar, and I am told by those who understand such things that capillary action will only allow it to rise across one join.
I have not seen a laboratory test of good clean brickwork standing in water where the damp does rise by more than a couple of courses.
Water can rise through walls saturated in certain chemicals, such as converted stables and cattle-sheds impregnated with urine salts.
Chemical treatment is often demanded by mortgage companies who like to think that something has been done, and by people who have been visited by chemical injection salesmen.
IME damp is usually caused by condensation (especially as a result of draping wet washing round the home, or throwing buckets of water at the walls, which amounts to the same thing) and by leaking pipes, especially those buried in concrete floors. It will also be caused by rainwater penetration, usually as a result of poor maintenance of gutters and render, occasionally by poor design. Chemical treatment has no effect on these defects.
Traditional UK construction has a wooden floor, and a void beneath ventilated by airbricks. The ventilation is usually enough for dampness from the soil to evaporate away from the exposed brickwork above the ground, and the water vapour to blow out.
Idiots like to block airbricks with concrete extensions and raise ground level with flowerbeds, paving and drives, enabling the groundwater to rise further up the walls before it can evaporate away. Dampness will stop at the level where water loss by evaporation exceeds water gain from the ground or other sources. For example my own house is built in soft bricks, on chalk, and the groundwater level can easily be seen, by the limescale, in the first brick up from the ground, but not the second, even though the DPC is above the second brick. See photo.
There are still people who claim that rising damp DOES exist. No doubt it would be wrong to suggest that they all are in the damp-treatment trade. There is a great deal of acrimonious argument.
See also www.thenbs.com/nbsTV/studyNotes/313070CNT.pdf