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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.
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November 27th marked a proud and memorable milestone for CHAP as we celebrated our 25th anniversary with a special event at the Scottish Parliament. Our event, entitled 'Transforming Lives - resilience & equity for all', was hosted at Holyrood and provided a unique opportunity to celebrate and reflect on a quarter-century of providing free, independent advice and support to individuals and families in need across Ayrshire. The event brought together partners, funders, MSPs, staff and trustees, creating valuable space for meaningful conversations about the ongoing challenges faced by those experiencing housing, debt and financial insecurity. Throughout the afternoon, guests took the time to speak with our team, learn more about our services and share ideas on how we can continue working together to support communities and prevent people from reaching crisis point. The event was sponsored by Kenneth Gibson MSP, whose ongoing support for CHAP has been invaluable. Kenneth welcomed guests and helped create an open, positive atmosphere that encouraged discussion and connection, reinforcing the importance of partnership working in addressing complex social issues affecting our communities. We were delighted to be joined by Màiri McAllan MSP, Cabinet Secretary for Housing, who kindly said a few words recognising CHAP’s achievements, professionalism and the breadth of services we provide. Her comments highlighted the importance of early intervention and acknowledged how closely our work aligns with the Scottish Government’s priorities to tackle the housing crisis, reduce poverty and improve outcomes for families across Scotland. Hearing this recognition at a national level was both encouraging and affirming for our team. We would like to extend our sincere thanks to Kenneth Gibson MSP and Màiri McAllan MSP, as well as all our partners and funders who took the time to join us and celebrate this important milestone. Your engagement, support and shared commitment to help tackle inequality and financial exclusion mean a great deal to our charity. We are also extremely grateful to the businesses who generously sponsored key elements of the event: TES-AMM (Europe) Ltd for the catering, Branding Hub Ayr for providing printed materials, and Stagecoach West Scotland for supplying a complimentary coach and driver to transport our staff and guests from Ardrossan to Edinburgh and back safely and in comfort. The event was a privilege and a real highlight in CHAP’s 25-year history and a reminder of the strength of the partnerships that make our work possible. As we look ahead, we remain committed to growing, adapting, and continuing to support as many individuals and families as we can - and we look forward to the next exciting chapter of our journey. A video of highlights from the event can be viewed on our YouTube channel here .

CHAP is pleased to announce that, thanks to funding from the East Ayrshire Anti-Poverty & Inequalities Fund, it has been able to establish a network of outreach services in East Ayrshire. In addition to our current outreach based at CentreStage in Kilmarnock, we have now expanded our support service to cover the Cumnock, Dalmellington and Newmilns areas. To ensure our services remain accessible and shaped by local residents, we ran an online consultation - with the results allowing us to identify the locations where residents are most likely to face barriers when accessing support. We have been fortunate in partnering with local organisations who are able to provide a safe space for our advisers to meet clients in need of a helping hand with housing issues, benefit entitlements and managing debt. The location details and dates for the expanded outreach service is provided below: Cumnock - Yipworld, 19 Barrhill Road, Cumnock KA18 1PG Starting from Wed 19th November, then the third Wed of each month (excl. December) Dalmellington - The Zone Initiative, 10 Main High Street, Dalmellington KA6 7QN Starting from Wed 3rd December, then the first Wed of each month (excl. January) Newmilns - Commando Factory Gym, 14 Stoneygate Road, Newmilns KA16 9AL Starting from Wed 26th November, then the fourth Wed of each month (excl. December) All CHAP services are free, independent, and confidential. Please note that these are not drop-in services - all appointments must be booked in advance by calling Freephone 030 0002 0002 .

This November marks a very special milestone for CHAP as we celebrate our 25th anniversary. Reaching a quarter of a century is no small achievement, and we’re incredibly proud to have supported thousands of people across Ayrshire since 2000. Over the years, CHAP has grown from a small local advice project into a well-established and trusted charity providing free, independent and confidential advice on housing, debt, welfare rights. We’ve developed strong partnerships, expanded our services, and adapted to meet the changing needs of our communities. From helping individuals facing homelessness to delivering financial education in schools and supporting homeowners at risk of repossession through the AHAP service , our commitment has always been the same - to help people find stability, security, and confidence in difficult times. We’ve achieved so much along the way and worked alongside national and local partners to tackle poverty and promote financial wellbeing. Each step has been driven by our belief that everyone deserves a fair chance at a better quality of life, and our commitment remains to empower individuals and families to thrive. None of this would have been possible without the dedication and compassion of our team. To our incredible staff, board of trustees, volunteers, partners, funders and donors - thank you. Your continued support, passion, and belief in our mission have contributed to making CHAP what it is today. Of course, the landscape for third sector organisations remains uncertain. Many charities have not been as fortunate in reaching such a significant milestone. Funding is increasingly competitive, while the need for our services continues to grow as more households face financial strain and insecurity due to the current cost of living crisis and lack of affordable housing. Despite these challenges, we remain determined to continue delivering vital support to those who need it most, while working to secure our long-term sustainability. It’s been a challenging, but always rewarding, journey. As we celebrate 25 years of helping our community, we’re also looking ahead with optimism and determination - ready to face new challenges, strengthen key partnerships, and continue making a difference for the next 25 years and beyond.


