A charity working to prevent homelessness has secured a funding boost aimed at stopping financial struggles from turning into full-blown crises.
Churches Housing Action Team (CHAT) has raised £13,000 through the Aviva Community Fund to expand its debt and money advice services across Mid Devon.
The organisation, which has supported residents for more than 30 years, secured the funding through a match scheme run by the Aviva Foundation, doubling public donations.
The additional funding will allow CHAT to increase adviser capacity and deliver nearly 300 advice sessions for people experiencing financial hardship.
Alison Padfield, chief executive of CHAT, said: “We are incredibly grateful to more than 80 people who donated, and to the Aviva Foundation for matching those gifts. This funding will make a real difference to families across Mid Devon, enabling more people to access support before financial difficulties escalate into housing emergencies.
“Many of the people we support are working but struggling to keep up with rising costs. Often by the time they reach us arrears have built up, letters are unopened and they fear losing their home. Our early intervention is vital. This funding means we can reach more people sooner – before a difficult situation becomes a crisis.
“Our approach is not about judgement or quick fixes. We help people understand their options, make plans and regain control. The first change we often see is relief – someone has listened and the next steps are clearer. From there, progress begins.”
A debt adviser at CHAT added: “Every week I sit with people who have been losing sleep over money worries. They often arrive expecting judgement but instead find someone ready to listen and help them work through the problem step by step.
“We review their finances, contact creditors on their behalf, check they are receiving the benefits they are entitled to and agree realistic repayment plans. For many people, just knowing there is a way forward transforms their situation. Debt becomes manageable, the threat of eviction lifts and confidence returns.”
The charity said demand for its services continues to grow, with many households facing ongoing financial pressure.
It added that people often delay seeking help when dealing with multiple smaller debts, only reaching out when the situation becomes unmanageable. By that stage, some face enforcement action, court proceedings or eviction.
Although the fundraising campaign has now closed, CHAT said it continues to rely on donations from the public, churches, businesses and grant funders.
Donations can be made via the charity’s website at www.chatmid.co.uk.
Alison added: “Support from our community makes this work possible. It allows us to respond before situations escalate and ensure that no one in Mid Devon faces hardship alone. We exist to prevent homelessness and help people live with stability, dignity and hope.”
