Chap is a charity that helps people in need.

Are you homeless?

Could you lose your home?

Do you have money problems?

Do you need benefit support?


We can help!

Chap is a charity that helps people in need.

Are you homeless?

Could you lose your home?

Do you have money problems?

Do you need benefit support?


We can help!

Chap is a charity that helps people in need.


Are you homeless?

Could you lose your home?

Do you have money problems?

Do you need benefit support?


We can help!


We are here to help,
tell us what you need...


REFERRALS

To make an appointment with an adviser, or to refer someone, please select the relevant link below.

What our clients said

“Extremely happy with the service. I wouldn't be where I am just now without the staff at CHAP. I will return in future if needs be”

“The service was brilliant, cannot talk highly enough of the service and will be recommending CHAP to others. I am very grateful for my advisor’s help and will not hesitate to come back for help in the future for myself and my son”

“Everything was dealt with very well and I was always kept informed. CHAP is the best service for finance help as everything was dealt with fast everything was explained clearly”

“100% fantastic service, not one single complaint. I would like to thank my advisor for all her help and would highly recommend – the service she provided couldn't have been better”

“The service and staff were great & so helpful. I wouldn't have known about PIP if it wasn't for CHAP & will be back in the future for any renewal forms”

“The service is great. I was always made to feel at ease and that staff were willing to listen to any questions/issues. The staff were very helpful”

“Extremely happy with the service. I wouldn't be where I am just now without the staff at CHAP. I will return in future if needs be”

“The service was brilliant, cannot talk highly enough of the service and will be recommending CHAP to others. I am very grateful for my advisor’s help and will not hesitate to come back for help in the future for myself and my son”

“Everything was dealt with very well and I was always kept informed. CHAP is the best service for finance help as everything was dealt with fast everything was explained clearly”

“100% fantastic service, not one single complaint. I would like to thank my advisor for all her help and would highly recommend – the service she provided couldn't have been better”

“The service and staff were great & so helpful. I wouldn't have known about PIP if it wasn't for CHAP & will be back in the future for any renewal forms”

“The service is great. I was always made to feel at ease and that staff were willing to listen to any questions/issues. The staff were very helpful”


Latest News...

by John Edgar 18 November 2024
North Ayrshire Council is calling on residents to share their views on vital budget plans for the upcoming financial year. With a funding gap of approximately £16 million projected for 2025/26, its apparent that tough decisions will need to be made. Over the past eight years, the Council has had to remove £84 million from its budget, and each year the challenge grows. To ensure that YOUR voice is heard, the Council has created an accessible way for North Ayrshire residents to provide feedback on the services that matter most to you and your local community. This can be done by taking an online survey here: https://www.north-ayrshire.gov.uk/Budget2025 Paper copies are also available in libraries and leisure facilities across North Ayrshire. Why Public Feedback is Essential Every decision made in the budgeting process impacts local services - from housing and welfare to education and community support. By contributing your opinions, you play a part in shaping how resources are allocated and ensuring the services you value receive the attention they deserve. At CHAP, we understand the ripple effects of budget cuts on individuals and families. Reduced funding can strain vital services, increasing the challenges faced by those already struggling with housing issues, debt, and welfare concerns. That’s why we’re encouraging everyone in North Ayrshire to take part in this consultation. Your input can help highlight the areas where support is needed most, ensuring decisions reflect the priorities of the people who rely on these services. How CHAP Can Help  If you or someone you know is affected by housing, welfare, or financial difficulties, CHAP is here to offer free, independent, and confidential advice. Call us on Freephone 030 0002 0002 or use the LiveChat feature on our website. While the Council works to navigate these financial challenges, we remain committed to supporting individuals and families in our community.
by John Edgar 4 November 2024
Why CHAP Supports the Real Living Wage and Real Living Hours. This week (4-10 Nov) marks Living Wage Week in the UK, a nationwide celebration of the real Living Wage and Living Hours movement.
Advice Saves
by John Edgar 21 October 2024
We’re excited to announce the launch of the first-ever Advice Saves campaign being run by AdviceUK - a network we’re proud to be a member of. This campaign runs from Monday 21st - Friday 25th October and aims to highlight the real difference that free, independent advice services make in people's lives, and how timely advice can save individuals and families not only their money or their home but also their mental wellbeing. What is the Advice Saves Campaign? AdviceUK has launched Advice Saves to raise awareness about the vital role that accessible advice services like ours play in helping people navigate difficult financial situations. The campaign aims to show how access to expert advice at the right time can prevent problems from spiralling, whether that’s avoiding homelessness, managing debt, or ensuring families receive the benefits they’re entitled to. We’re committed to this campaign because we see the impact that professional advice can have every day. Our advisers at CHAP work with clients who are struggling with debt, housing issues, and welfare rights, offering free, confidential, and independent advice to improve lives across North Ayrshire. Why Does Advice Matter? In times of crisis, timely advice can stop problems from escalating. For example, receiving the right guidance on benefits can ensure families don’t miss out on financial support they’re entitled to, which can make the difference between paying the rent or falling into arrears. Similarly, for people at risk of losing their homes, expert advice can help find solutions that prevent homelessness and keep families together. But it’s not just about money. Advice and support can reduce the stress and anxiety that often comes with financial uncertainty, helping people regain control and build their resilience for the future. However, the findings of research by AdviceUK reveals that independent advice services across the UK are at breaking point – with a staggering 90% of advice centre staff report an increase in demand over the last year; yet more than half (55%) report they are not confident they can meet demand. Liz Bayram, CEO of AdviceUK said: “Our survey results reveal a sector under immense pressure – we have overstretched, dedicated staff working tirelessly to offer a lifeline to people in crisis, but a lack of sustainable funding means they are at a breaking point. “Our Advice Saves campaign aims to shine a spotlight on the life-saving work independent advice organisations do across the country and call for long-term funding and resource solutions to ensure that they can continue to support those most in need in our society.” “A robust and secure funding model is essential to ensure these vital services can continue to support vulnerable people across the UK. Through the Advice Saves campaign we urge policymakers and funders to recognise the long-term nature of these issues and invest in the future of advice services so they can keep their doors open to those who need them most.” What Can You Do? Spread the word about our services. If you, or someone you know, needs help with debt, housing, or welfare rights, CHAP is here for you. The Advice Saves campaign serves as a reminder that reaching out early for support can save time, money, and stress down the line. As members of AdviceUK, we are committed to making sure everyone in our community has access to the support they need - without judgment, and without stigma. You could help by using your own social media channels to spread the word about the #AdviceSaves campaign and by liking and sharing our messages throughout the week. Our Facebook, Twitter/X and Instagram links can be found at the bottom of the page. To find out more about the campaign please visit the Advice UK website where you can also download some template social media assets. Please visit: www.adviceuk.org.uk Contact Us Call our Freephone number on 030 0002 0002 or use the LiveChat feature on our website. Please get in touch today and remember - Advice Saves!
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