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Church Action on Poverty
Debt On Our Doorstep enews

Action request: tell Vince Cable to put a cap on it!

www.debt-on-our-doorstep.com
20 July 2010

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Dear David

It makes me angry that the poorest people in Britain pay more for credit than anyone else. You can help put a stop to this by emailing Vince Cable now.

The Office of Fair Trading (OFT) recently published the results of a review into the £7.5 billion high-cost credit sector. Not surprisingly, they found plenty of evidence of extortionate prices and  'deep-seated issues', including a lack of price competition. But what do they say should be done for the three million households being ripped off? Tinker with a code of practice and create an information website!

We need two minutes of your time today to tell the Business Secretary, Vince Cable, that high-cost credit is an urgent issue.

Doorstep lenders, payday lenders and rent-to-own stores often charge over £80 in credit charges for every £100 they lend out. Their APRs are around 500%, or even 5,000% and higher - all perfectly legal. They are exploiting people - taking advantage of the fact that people are desperate for cash and charging them way above what can be considered a fair or justified price.

, will you help us stop this?

It is a totally avoidable situation: most European countries and US states have acted against this type of scandal – what the Bible calls usury - by capping the cost of credit. In the UK, we don't have this protection, and the result is a Great British credit rip-off.
Vince Cable is the minister with the power to say yes to a cap on credit charges. We need your help to persuade him that tackling extortionate lending is a priority. Charging the poorest the highest costs for credit only serves to deepen poverty levels and accelerate inequality.

Please email Vince Cable now, and tell him to put a cap on it!

Yours

Alan, Church Action on Poverty

Living Ghosts enews
www.church-poverty.org.uk/campaigns/livingghosts

February 2010

Please help us to stop further cuts to asylum support

£2.19 shoppingLast year the Government suddenly cut the amount of financial support given to people seeking sanctuary in the UK. They were pushed further into poverty. We need you to email the Immigration Minister and ask him not to make this situation even worse.

The Government is now considering support levels for the next year, and Ministers will make a decision in the next couple of weeks.
You are probably aware of the severe hardship many people seeking sanctuary experience. Single parents especially, who lost £2.19 a week, have trouble buying enough food for their children, and can't afford other essential items such as clothes and bus fares.

Still Human Still Here

 A host of supporters of the Still Human Still Here campaign, including Amnesty International, churches and refugee groups, are working together to make a lot of noise about this. We urgently need two minutes of your time to email the Immigration Minister, Phil Woolas, telling him to reinstate asylum support to 70% of income support - no less than £45 a week.

Please email Phil Woolas now - it's the right time to make a real difference!

Alan
Church Action on Poverty

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What we are about
Church Action on Poverty works with church and community groups across the UK to make poverty a priority. Our work involves: educating churches about poverty in the UK; enabling people in poverty to speak for themselves; working for policies to eradicate poverty; promoting reflection and action for social justice.

CAP contact details
Central Buildings, Oldham Street, Manchester M1 1JQ, UK
Tel: 0161 236 9321 Fax: 0161 237 5359

Church Action on Poverty is a company limited by guarantee, registered in England and Wales with number 3780243. Charity Number 1079986.

Just Church eNews

Ideas and resources for Just Churches 
March-April 2009

We want this to be a space where Just Churches can share ideas and learn from one another. So if you have a story, a question, or an idea for content in a future enews, let us know by emailing liamp@church-poverty.org.uk or ringing 0161 236 9321.


Look down and blame up

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Jim WallisJim Wallis of the Sojourners network argues that it is biblical to take the side of the poor:
"Biblical writers tend much more to identify with and be sympathetic to the poor and vulnerable, while putting most of the responsibility for poverty and injustice on the rich and powerful. Yes, in the Bible there is blame for poverty. It's not just an accident or nobody's fault. And, in the Bible, blame for poverty is seldom laid at the feet of the poor, as is so common in our society. Blaming the rich is not class warfare, as some would say - it's just biblical faith."


Tell your MP it's time to Get Fair

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Get Fair

On 26-27 June, the Get Fair campaign is organising a huge Constituency Lobby. Across the UK, people will meet with their MPs and ask them to support policies that tackle the causes of poverty and inequality.
Please take a delegation from your church to meet your MP, and make the case for a fairer society. There are information packs available which explain what the campaign is calling for, and how to engage with your MP.
Visit the Get Fair website now to find out more, download your information pack, and register to take part.


Raise funds: hold an online jumble sale!

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JumbleAid A new website offers a creative way to raise money for charity: an online jumble sale. Could you use it for your church or project?
JumbleAid say: "If you have any unwanted items that are too good to go to landfill, now you can use them to raise funds for your chosen charity. JumbleAID lets individuals and businesses post unwanted stuff online and anyone can pledge a donation for an item. It's FREE, easy to use, and it's good for the environment too! And, NOT A PENNY OF THE DONATION GOES TO JumbleAID!"
Find out more and start raising money at the JumbleAid website.


Resources for Just Churches


Spread the word!

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Just Church We want more groups and congregations to work towards becoming Just Churches. To help that happen, we're running training workshops which introduce the materials and how they can be used.
Look out for a training session happening near you, and please encourage your friends from other churches to come along. Or invite us to come and run a session in your area. To find out more or extend an invitation, contact Liam Purcell on 0161 236 9321 or liamp@church-poverty.org.uk


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CAP logoChurch Action on Poverty

If the Just Church programme is inspiring your church community to work against poverty and injustice, perhaps you can work together with CAP. There are a number of ways you can help us, and we can help you:

  • Sign up for our full eNews service, which will give you a monthly report on poverty-related news, CAP's activities, and events and website of interest.
  • Become a supporter of CAP. We welcome individuals and whole churches as members of the organisation, and we depend on the financial support of our friends and members to carry on with our vital work. All supporters receive a newsletter three times a year, full of reports on CAP's activities, worship and prayer resources, and ideas for action. 

 
  Church Action on Poverty
Monthly enews  
March 2009 
www.church-poverty.org.uk

In this month's eNews...

CAP action request: Celebrate the 10th anniversary of the minimum wage!

Minimum Wage CampaignOn 1 April 2009 the national minimum wage is 10 years old. Please join the national campaign to get it increased to a living wage.
The Minimum Wage is a major achievement. Over the last 10 years it's raised the living standards of the lowest paid, and helped close the gap between men and women's pay. Soon the Low Pay Commission will be making this year's recommendation to the government on the national minimum wage.
Please take this chance to make sure the Government continues to support the national minimum wage, by increasing it to a living wage for all workers.
Find out about CAP's Living Wage campaign.
Get your MP to sign up to the national living wage campaign.

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Celebration: Glasgow adopts a living wage

Glasgow City CouncilGlasgow City Council has become the first local authority in Scotland to guarantee a living wage for all its workers.
On 9 March, Glasgow City Council announced the launch of the Glasgow Living Wage, set at £7 an hour. (This is the rate recommended by CAP's Living Wage campaign.)
The living wage will be the guaranteed minimum for all Council employees. The Council will also encourage its suppliers to pay staff working on Council business a living wage, and a Glasgow Living Wage Employer Award will be developed to encourage wider uptake by employers in the public, private and voluntary sector.
The first local authority in Britain to adopt a living wage was  London, in 2005.
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News for CAP supporters

 

Click on a headline to read the whole story on CAP's website...

Debt On Our Doorstep

Debt On Our Doorstep calls on Government to protect borrowers  
Our new report proposes measures that Government could take to protect low-income borrowers in the credit crisis.

West Yorkshire church leaders

Yorkshire church leaders speak out on debt in society
Church leaders from across West Yorkshire came together to make a public statement on debt in society. 

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Poverty News

 

Click on a headline to read the whole story on CAP's website...

Welsh Assembly

Welsh Government launches strategy on debt and financial exclusion
The Financial Inclusion Strategy for Wales, 'Taking Everyone into Account', has gone out to public consultation.

Ending Child Poverty in a Changing Economy
More commitment needed to end child poverty
A new report shows that the Government needs to do more if it is to achieve its goal of eradicating child poverty from the UK by 2020.
Asylum policy turns people into Living Ghosts
Treating asylum-seekers like human beings is not a 'pull factor'
Research from the Home Office undermines the arguments made by Government for a harsh asylum policy. 
Need Not Greed

Campaign calls for an end to working poverty trap
A new campaign launched on 24 February calls on Government to help people who have been trapped into low-paid cash-in-hand work when they could be helping the UK economy.

UK Poverty Post 

Oxfam seeks intern to run UK poverty blog 
Oxfam is looking for an intern to manage its new blog, UK Poverty Post.

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Upcoming events

 

Click on an event to find out more at CAP's website...

Priority Areas

Poverty Truth Commission
Glasgow, 21 March 

Community Pride Initiative

Community Pride Initiative AGM
Salford, 26 March

Put People First

Pray and March for Jobs, Justice and Climate
London, 28 March 

ECSR 

Healing the Wounds of Trauma - How the Church can Help
Doncaster, 30 March 


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Around the Web

Other things that may be of interest...

Poverty, Debt and the Financial Crisis - recordings, presentations and talks from a recent conference organised by Churches Together in Britain and Ireland

Credit Crunch Podcast - a Methodist Web Radio programme, featuring an interview with CAP Coordinator Niall Cooper 

A grassroots perspective on welfare reform - an article for Oxfam's UK Poverty Post blog by Greg Brown, Project Development Officer for CAP's Thrive initiative 

Thrive on You and Yours - this episode of the Radio 2 programme features members of CAP's Thrive project talking about the television and other home furnishings hire-purchase company Buy As You View, who prey on vulnerable customers

Thrive on Newsnight- this episode of the BBC programme includes a feature about loan sharks, which CAP's Thrive project helped to research

Community Money Advice - a helpful guide for churches thinking of setting up debt advice services

Poverty, inequality and policy since 1997 - a new Joseph Rowntree study

The theory of everything - The Guardian interviews Professor Richard Wilkinson about his new book, which reveals the devastating effects of inequality

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Quote of the month

"....we need to move away from a model of economics which simply assumes that it is essentially about the mechanics of generating money, and try to restore an acknowledgement of the role of trust as something which needs time to develop; and so also to move away from an idea of wealth or profit which imagines that they can be achieved without risk, and to return to the primitive capitalist idea, as sketched above, of risk-sharing as an essential element in the equitable securing of wealth for all."
Archbishop Rowan Williams, speaking at a lecture in Cardiff 

And finally...

Recently, the band U2 as a corporate entity moved to Holland to avoid paying taxes in Ireland. All band members are resident in Ireland.
Campaigners took the chance to highlight the injustice of tax avoidance by the rich, by sending their own 'Bono' to the Irish Department of Finance. He sang his own version of a well-known U2 song to the finance minister. You can see the video clip of 'Bono' online.

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What we are about
Church Action on Poverty works with church and community groups across the UK to make poverty a priority. Our work involves: educating churches about poverty in the UK; enabling people in poverty to speak for themselves; working for policies to eradicate poverty; promoting reflection and action for social justice.
Subscriptions
CAP enews is published monthly and compiled by Liam Purcell. Subscriptions are free.You can SUBSCRIBE and UNSUBSCRIBE at CAP's website.
CAP contact details
Central Buildings, Oldham Street, Manchester, M1 1JQ, UK
Tel: 0161 236 9321 Fax: 0161 237 5359
Reproduction and distribution
CAP enews may be freely distributed, with the following attribution:
Source: Church Action on Poverty 2009 (©), http://www.church-poverty.org.uk/

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CAP enews is a SPAM-FREE ZONE. (We won't trade, sell, or give away your address.)
Church Action on Poverty is a company limited by guarantee, registered in England and Wales with number 3780243. Charity Number 1079986.
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