welcome to the c.h.a.p website
CHAP is authorised and regulated by the
Financial Conduct Authority (Firm Reference Number 689255) and is a registered charity with the OSCR (Charity Reference Number SC 028100)
CHAP is an equal opportunities employer.
Advice and Information
Service Delivery statistics for June 2019.54 clients were referred to the Advice and Information Service. 6 clients failed to attend pre-arranged appointments. A total financial gain of £46,774.20 was achieved for our clients last month of which includes £24,775.09 of debts written off.
In 2018, CHAP secured £640,240.55 in backdated benefits and new benefit claims and £26,193.64 in debts written off for residents of North Ayrshire. If you are resident in North Ayrshire and require assistance with housing, welfare rights or debt issues, please phone 01294 475633.
Below is the breakdown of the issues presented to us in 2018.
Rent Arrears - 231
Private Let Issues - 34
Mortgages/Secured Loans - 51
Homelessness - 110
Housing Benefit - 10
Eviction Issues - 128
Housing Options - 19
Anti-social behaviour - 11
Form filling - 7
Repair issues - 7
ESA Appeal - 24
PIP Appeal - 53
Form Filling (making claims) - 215
General benefits advice/ income maximisation - 158
Universal Credit - 41
Tax Credits - 1
Scottish Welfare Fund - 2
Council tax arrears - 160
Other unsecured debt - 295
For more information on the types of issues that the Welfare Rights Officer can assist with, please click here. Please click here to learn of important recent changes to welfare rights.
For more information on the types of issues that the Money Advice worker can assist with, please click here.
Digital Access Service
CHAP are delighted to announce that they are now operating a 'Digital Access Service' which is part of the Better Off North Ayrshire Partnership which is funded jointly by the European Social Fund and the Big Lottery Fund. This service will allow individuals to be digitally included thus becoming financially included. The financially excluded ultimately end up paying more than they should for products. Alongside other factors, poor IT skills and lack of access to digital services can lead to and exacerbate poverty. Digital exclusion is becoming a particular issue as more products and services become online only. The Digital Access Service will:
• Allow people to compare financial services and products to facilitate access to better tariffs, rates of interest for borrowing etc... therefore assisting people to maximise the value of the resources they do have
• Allow access to online banking and payments enabling people to manage their money online. Being able to easily see and manage their own money can assist people to keep track of their income and expenditure
• Allow people to maximise their income by providing a facility where welfare benefits can be applied for online and ongoing claims managed.
The Digital Access Service is able to provide assistance to those who are resident in North Ayrshire and who are either unemployed, receiving a low income or are a lone parent. An online referral form can be accessed here. Please ensure that you turn off your browser's pop up blocker to enable you to access this page.
If you want more information on the Better Off North Ayrshire Partnership you can download their poster here.
DiGS operate from Kilmarnock
The East Ayrshire Rent Deposit Scheme (DiGS) operate from Kilmarnock (Mon - Thu) and Cumnock on a Friday..
For more information and contact numbers please click here.
The Advocacy Department can provide information and advice on a number of different issues relating to housing and homelessness.
To find out more click HERE
Rent Deposit Guarantee
CHAP currently run East Ayrshire Councils Rent Deposit Guarantee Scheme. Through these schemes it is possible to access... (more)
The Education Department are working in a school near you.The Education Department are funded by North Ayrshire Council, to provide all 4th year pupils with a lesson on..(more)
There are a number of volunteering opportunities throughout CHAP including, answering calls, buddying Advocates, developing resources, I.T.....(more)