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 Laura Houston 11 Mar, 2024
Financial stability is often a delicate balance. Anything can happen; unexpected expenses, job loss, ill health, or change in circumstances can very quickly spiral into overwhelming debt, benefit problems, and housing insecurity. Despite how common and unpredictable these challenges can be, many individuals and families hesitate to seek help until their situation becomes dire. However, at CHAP, we always encourage people to reach out for assistance as early as possible; it can make a world of difference. We actively reject the stigma that still surrounds this, and we are working to normalise asking for help; if you needed advice on a health issue, most would not hesitate in approaching their doctor – we want to get to this place with money and housing advice also. Addressing Debt Head-On Debt can creep up on anyone, regardless of their income or background. Whether it’s mounting credit card bills, overdue loans, mortgage or rent arrears; ignoring the debt only makes things worse. Many people delay seeking help due to feelings of shame or embarrassment, but this only perpetuates the cycle of financial struggle. At CHAP, we provide a safe space for people to discuss their problems confidentially, and we promise to listen. Our professional team of advisers understand the complexities of debt and can explain all your options to you – most often people realise they have more rights and options than they thought. We can offer practical solutions, tailored to your individual circumstances; it is never a one-size-fits-all approach. From helping to negotiate with creditors, setting up manageable payment plans, we empower individuals to regain control of their finances, often helping to reduce their stress and improve their overall wellbeing and quality of life. Navigating Benefit Challenges Navigating the welfare system can be daunting; particularly when it involves sudden changes in circumstances. Delays or errors in benefit payments can often lead to more financial strain, leaving individuals and families struggling to make ends meet. At CHAP, we can assist with benefit calculations, completing applications, and challenging decisions; we can also provide representation at tribunals to ensure you are treated fairly, and your voice is heard. Seeking assistance early in the process is always recommended; however, we can step in to help at any point in the process, so if you are facing challenges with the benefits system, please don’t hesitate to reach out for support. Secure Stable Housing Housing is a fundamental human need, yet many individuals and families face housing insecurity due to issues such as eviction, rent arrears, or inadequate accommodation. Left unaddressed, these problems can have a negative effect, impacting health, well-being, and overall quality of life. CHAP provides advice on tenant rights, negotiates with landlords and housing authorities, and challenges decisions around homelessness; we can also provide representation at court and tribunals to make sure your voice is heard. We find that a lot of our clients are not aware of their rights, especially when it comes to housing, and we aim to ensure people are never disadvantaged by a lack of information regarding their rights. In times of financial hardship, reaching out for help can be the first step towards regaining control and securing a stable future. Whilst we would always encourage people to seek help as early as possible, to prevent the more severe measures , it’s never too early or too late to approach CHAP for help. If you are aged 16+ and live in North Ayrshire, don’t hesitate to reach out to CHAP if you need assistance with your benefits, housing, or debt issues. Our team of friendly, informed advisers are here to help. You can call us for free on 030 0002 0002 , or you can use the live chat service , or submit a brief self-referral form .
by Laura Houston 26 Feb, 2024
We have some exciting news to share with you! Following our successful application to the Irvine Locality Partnership requesting funding from their Community Investment Fund, we are now in the process of setting up a network of outreach services throughout the Irvine area. So, we can officially announce that our services are now available as detailed below: Mondays ‘The Circuit’ (KA Leisure), Quarry Road, Irvine KA12 0TH Tuesdays Redburn Community Centre, Dickson Drive, Irvine KA12 9EW Springside Community Centre, Overtoun Road, Springside, Irvine KA11 3BG Wednesdays Fullarton Community Hub, Irvine KA12 8DF The outreach services are being provided on an ‘appointment only’ basis. We aim to give our clients as much choice as possible, and we are so excited to now be able to offer residents of Irvine more of a choice to access our services closer to home. More information will be available soon!! โŒš๐Ÿ‘€ As always, you can access our services by calling us for free on 030 0002 0002 , or you can access our live chat service or submit a self-referral form and we will be in touch.
by Laura Houston 12 Feb, 2024
We were so proud to achieve our ‘Living Wage’ accreditation last year, and we are so happy to announce that we have now achieved the ‘Living Hours’ accreditation, demonstrating that we offer both a flexible and stable working environment for our team. Scottish Housing News published an article recently highlighting this news, as well as providing some other key information about what’s happening at CHAP at the moment. To find out more, please follow the link below: https://www.scottishhousingnews.com/articles/housing-advice-charity-chap-seeks-help-to-continue-vital-work CHAP provides free, confidential, and impartial advice to residents in North Ayrshire relating to Welfare Rights, Housing, and Debt. If you, or anyone you know requires support, you can contact us by calling 030 0002 0002 , or you can visit our website where you can complete a referral form and someone will call you back, or you can access our live chat service.
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