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...

Worried about mortgage payments?


The AHAP service provides free financial advice and legal support for homeowners in Ayrshire who are experiencing financial difficulties and are unable to maintain their mortgage payments.


AHAP is a partnership between CHAP and Govan Law Centre and is funded by the Scottish Legal Aid Board.

MORE INFO

REFERRALS


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

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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...

The CHAP Killie 2 Coast team at the start of the walk
by John Edgar 19 May 2025
To mark Mental Health Awareness Week, CHAP staff, board members and supporters laced up their walking shoes on Friday 16th May and set off from CentreStage in Kilmarnock on an 18-mile journey to our main office in Ardrossan. The Killie 2 Coast walk was our first long-distance fundraising event, and we’re delighted to say that it was a brilliant success! We couldn't have hoped for better weather - but, with temperatures soaring and the sun shining all day, the walk was as much a test of stamina as it was a show of solidarity. The effort paid off though - not just in steps, but in generosity. We’ve raised an incredible £2,265 so far , with donations still coming in. The event brought together colleagues, supporters, and community members with a shared focus: raising awareness of mental wellbeing and the importance of reaching out for help when facing tough challenges. The Killie 2 Coast walk was more than just a fundraiser - it was a celebration of community, resilience, and the collective commitment to supporting better mental health. All donations will go toward helping CHAP continue delivering free advice and support to individuals and families across Ayrshire. A Huge Thank You We want to express our heartfelt thanks to everyone who took part in the walk, supported our team, or helped behind the scenes. Your encouragement and kindness truly kept spirits high - especially during the tougher stretches of the route! We’d also like to extend a special thanks to these fantastic local businesses who sponsored or donated to support the event: Active Office Group Ardeer Community Centre, Stevenston ASDA, Ardrossan Barry Devlin Services Ltd, Knockentiber Brownings the Bakers Card Factory, Saltcoats CS Recovery Ltd Dreghorn Library Kilwinning Community Sports Club Tesco Extra, Kilmarnock The Working Wardrobe Your generosity helped provide essential refreshments, supplies and encouragement along the way. If you’d still like to contribute, donations will remain open until the end of May - JUSTGIVING Thank you again to everyone who made the day so special!
by John Edgar 6 May 2025
Following the recent announcement of our upcoming Killie 2 Coast fundraising walk on Friday 16th May, we’re excited to share more details about the big day! This scenic, 18-mile long-distance trek starts from our outreach hub at CentreStage in Kilmarnock and finishes at our main office on Princes Street in Ardrossan. Below, you’ll find the planned route, key checkpoints with coordinates, and approximate distances and timings to help you prepare. If you're planning to join us, please remember to wear suitable clothing and sturdy footwear, as we’ll be covering a fair distance over varied terrain. Hopefully, the sun will be shining on the 16th - if it does, please remember to wear sun cream, and a hat for protection throughout the day. Whether you're keen to take on the full challenge or join us for a particular section of the walk, there’s still time to register and get involved. We’d love for you to be part of this meaningful journey as we raise vital funds to support people across Ayrshire with housing, money advice, and welfare rights. Sign up to participate (before 14th May) here . If you're able to make a donation for our charity, please do so here . Many thanks to everyone who has signed up and/or donated so far - your support is very much appreciated! Killie 2 Coast Route The full K2C walking route is available to view here . Please remember to zoom in to see the route in more detail. Checkpoints There will be 4 checkpoints along the route where people are welcome to join us for a few miles. Registered participants joining us at each checkpoint are required to report to a marshal or member of staff (wearing a blue high-vis vest) on arrival. All participants will then be issued with an orange high-vis vest and a bottle of water. Basic first aid will be available at each checkpoint if required. For location accuracy, we are using 'What 3 Words' . You can find out more here . ------------------------------------------------------- Section 1 - Kilmarnock to Knockentiber Google Maps Distance: 2.5 miles Time: 1hr (approx.) Starting Point CentreStage Entrance, Kilmarnock Google Map Coordinates - 55.608332, -4.493318 What 3 Words - ///billiard.race.suits Checkpoint 1 Kilmaurs Road (Barry Devlin Services car park) Google Map Coordinates - 55.625118, -4.542270 What 3 Words - ///goals.stack.scenes To watch a video slideshow of this section please view on YouTube . ------------------------------------------------------- Section 2 - Knockentiber to Dreghorn Google Maps Distance: 4 miles Time: 1hr 15mins (approx.) Joining Point Kilmaurs Road (Barry Devlin Services car park) Google Map Coordinates - 55.625118, -4.542270 What 3 Words - ///goals.stack.scenes Checkpoint 2 Dreghorn, Station Brae (car park next to the Annick Water bridge) Google Map Coordinates - 55.611158, -4.620263 What 3 Words - ///meatballs.punctured.desktop To watch a video slideshow of this section please view on YouTube . ------------------------------------------------------- Section 3 - Dreghorn to Irvine Google Maps Distance: 3.5 miles Time: 1hr (approx.) Joining Point Dreghorn, Station Brae (car park next to the Annick Water bridge) Google Map Coordinates - 55.611158, -4.620263 What 3 Words - ///meatballs.punctured.desktop Checkpoint 3 Irvine, Low Green (West Road Centre car park) Google Map Coordinates - 55.617022, -4.672991 What 3 Words - ///marble.ties.famous To watch a video slideshow of this section please view on YouTube . ------------------------------------------------------- Section 4 - Irvine to Stevenston Google Maps Distance: 5.5 miles Time: 2hrs (approx.) Joining Point Irvine, Low Green (West Road Centre car park) Google Map Coordinates - 55.617022, -4.672991 What 3 Words - ///marble.ties.famous Checkpoint 4 Ardeer Quarry Nature Reserve, Stevenston (car park at the end of Moorpark Road East) Google Map Coordinates - 55.636594, -4.749428 What 3 Words - ///corrects.lease.enlighten To watch a video slideshow of this section please view on YouTube . ------------------------------------------------------- Section 5 - Stevenston to Ardrossan Google Maps Distance: 3.5 miles Time: 1hr 15mins (approx.) Joining Point Ardeer Quarry Nature Reserve, Stevenston (car park at the end of Moorpark Road East) Google Map Coordinates - 55.636594, -4.749428 What 3 Words - ///corrects.lease.enlighten Finish Point CHAP Office, The Michael Lynch Centre for Enterprise, Princes Street, Ardrossan KA22 8DG Google Map Coordinates - 55.63970646085093, -4.813280512644558 What 3 Words - ///crowds.pump.tides To watch a video slideshow of this section please view on YouTube . ------------------------------------------------------- To keep up to date with the latest Killie 2 Coast news and plans, please follow us on Facebook .
Young man pushing an older man in a wheelchair through grass
by John Edgar 22 April 2025
Carer Support Payment has replaced Carer’s Allowance in Scotland, offering improved support to unpaid carers who play such a vital - and often invisible - role in our society. At CHAP, we know just how much unpaid carers contribute, often putting their own needs on hold to support a family member, friend or neighbour. This new payment is designed to better reflect their circumstances and make it easier to get the support they deserve. What is Carer Support Payment? Carer Support Payment is a benefit issued by Social Security Scotland, offering financial support to people who provide 35 or more hours of unpaid care a week to someone receiving a qualifying disability benefit - such as Adult Disability Payment or Attendance Allowance. What’s Different? Unlike Carer’s Allowance, the new system is designed to be: More flexible - carers in full-time education can now apply, removing a barrier faced by many young and adult learners. Less restrictive - there’s more support for carers navigating changes in work, health, or family life. Better aligned with other Scottish benefits - helping to reduce overlap and confusion. How Much Is It? You could receive £83.30 per week (as of April 2025), paid every four weeks. This amount is not taxed, and it doesn’t count towards the benefit cap. In addition, Carer’s Allowance Supplement is an extra payment for eligible unpaid carers who are getting Carer Support Payment. This payment is made twice a year and is unique to Scotland. Each payment of Carer’s Allowance Supplement in 2025 will be £293.50. It is paid automatically without the need to apply. Who Can Claim It? Many people provide regular care but don’t realise they could be entitled to financial support. To be eligible to apply, you must: Be aged 16 or over Usually live in Scotland Provide care for 35 hours or more a week (this includes if you provide care all day every day) Not earn more than £196 a week after tax, National Insurance and expenses (this threshold has been increased from £151 per week) What If You Were Already Getting Carer’s Allowance? If you were receiving Carer’s Allowance and you live in Scotland, you should have been automatically transferred to Carer Support Payment - you don’t need to apply again. But if you’re unsure or something doesn’t look right, CHAP can help you check and get it sorted. How CHAP Can Help Our friendly, professional advisers can: Check if you're eligible Help you apply Go through a benefits check to make sure you're claiming what you're entitled to All our services are free, independent and confidential. Get in touch: Freephone 030 0002 0002 For further information: https://www.mygov.scot/carer-support-payment