I have mixed feelings personally.
You can't knock someone who is prepared to produce a complete case for nothing, and having seen some of the work that CAP do for their clients first hand, I can confirm that their work is pretty good from what I have seen.
On the other side of the coin, I have had dealings with clients who have been very unhappy due to CAP taking money not only to pay unsecured debts, but also to cover mortgages and secured loans, council tax etc, thereby leaving clients feeling slightly like spare parts. I would also point out that this organisation seems to be very anti IVA, from my experience, on the basis that it doesn't pay all the money back and is therefore, somehow, wrong. I would stress, at this point, that this is purely anecdotal evidence based on my experience, but whether, if I am right, that this constitutes ethical advice, whether on a practical or spiritual level, is a matter for their own clients to decide.
Regards.