CHAP specialises in helping to resolve issues related to housing, welfare, and debt and has been supporting people across North Ayrshire for over 20 years. Its team of advisers provide free and impartial advice to those in need.

With the Labour administration now underway, CHAP is hoping for a long-term commitment from the new government to help shape a more equitable society.

Debbie Alexander, CEO, said: “The number of people engaging with our services has increased significantly in recent years. Our information and advice officers regularly deal with clients facing challenging circumstances and financial hardship”.

Unsurprisingly, one of the most common factors affecting individuals and families is the cost of living. With household budgets being stretched to the limit, the added financial pressure can be overwhelming for many. After paying for essentials such as food, rent, energy etc., many people have little or no money left over at the end of each month.

CHAP advisers are reporting that more and more people now have less disposable income and, as a result, are more likely to find themselves getting into debt – especially with Council Tax arrears.

This has become a debt that the organisation has noticed is on the increase. At the time of writing (August 2024) the total council tax debt the charity has recorded for their active caseload is £270,127.

Ms Alexander added: “A significant portion of our debt clients have Council Tax arrears, and they often don’t understand why this is the case. Many people who claim Council Tax Reduction are unaware that this only covers the Council Tax portion of their bill - not waste and water costs. This often leads to unforeseen arrears.”

Sadly, many people only engage with CHAP’s services when they have reached a crisis point. The stigma surrounding poverty and debt often holds people back when it comes to asking for help – a barrier that the charity is actively trying to break down.

Debbie Alexander has a clear message to key policy makers in the new cabinet. She said: “There is no doubt that public trust in politicians is at an all-time low. Here is a unique opportunity to put ordinary people’s financial wellbeing at the heart of your decision making.”

By creating a strong relationship with the newly elected MPs for Ayrshire, CHAP hopes to change attitudes and work collectively towards creating stronger and more economically resilient communities.

Debbie Alexander concluded: “I am hopeful that we could now have an administration that prioritises reforming the welfare system and public services to help lift struggling families out of poverty. I’m sure I’m not alone in saying that we need real change… and we need it now.”