CAP Debt Help

Christians Against Poverty (CAP) is a charitable trust working nationwide to set New Zealanders free from debt, poverty and all its causes.

Among their range of services, CAP Debt Help is their highly intensive, incredibly successful, partial money-management programme, which helps people get out – and stay out - of unmanageable debt. Firstly, CAP works with their clients to build a realistic budget which prioritises necessities such as food and rent. CAP negotiates with clients’ creditors to establish a fair repayment plan, as well as trying to minimise unfair interest charges and/or penalties, and where possible, getting debt completely wiped. Then CAP assumes control of all debt payments on behalf of each client. This is done by setting up a CAP Account that participants pay a set amount into weekly or fortnightly.

Even in the midst of huge debt, CAP prioritises savings and sets each client up with a savings account, to set aside money for future expenses. Once leaving CAP debt free, 91% of clients steer clear of unmanageable debt. The programme requires a major commitment from both CAP and the participants, but the results speak for themselves. Listen to the day that Mike becomes debt free.

Red Flags

The Commerce Commission saw a need for a tool to help uncover dodgy lending practices. Red Flags is the result. It’s a simple tool that makes it easy for budget advisers to identify, report and support Commerce Commission investigations into unscrupulous practices. It tells them what to look out for, and what evidence to gather to make a report. A report from a budget advisor about unreasonable credit fees triggered a successful investigation into Rapid Loans, resulting in repayment of $1.4M to over 6,000 borrowers.

Red Flags means the advisory sector is no longer just the ambulance at the bottom of the cliff, and consumers can take heart that their stories help others avoid a similar situation.

For more check out the Commerce Commission’s YouTube channel.

Sorted Whānau

Sorted Whānau supports problem gamblers and their whānau to address the financial strife that results from gambling, as well as stopping the gambling itself. Using Raukura Hauora o Tainui Te Toi O Matariki (awakening) model, the programme helps people find a pathway back to wellness and long-term behaviour change.

Sorted Whānau is a partnership between CFFC, the Ministry of Health and Raukura Hauora o Tainui that has been shown by Malatest International to deliver on its promise – to decrease gambling, increase financial nous, and for these changes to persist over time.

Sorted Whanau - Mahi Ora, Vision West

Sorted Whanau - Mahi Ora, Vision West


Around 70,000 New Zealanders are grappling with $800M worth of debt each year. More than 200 budget and financial capability services and 1,200 financial mentors are helping this group climb out of debt. FinCap was formed to connect these services and set standards. The organisation trains mentors, is a hub for sharing knowledge, and acts as a communications channel between government and the budgeting sector. FinCap also runs a helpline that's a first point of call for people in financial hardship. The helpline links people with their local budgeting service. FinCap is supported by the Ministry of Social Development.

FinCap training financial mentors

FinCap supports financial mentors up and down the country to deliver quality financial mentoring and budgeting advice to those who need help. With 36-hour foundation training and ongoing professional development courses, FinCap supports 1,200 financial mentors from 198 different organisations ranging from Salvation Army and Presbyterian Support Services, to stand alone services. Each year, around 200 new financial mentors complete training, which equips them with the skills to work one-on-one with individuals and families.