Heather Keates: CMA’s founder and Chief Executive Officer.


Heather has spent 20 years working in the field of debt advice. As well as running CMA she continues to volunteer at her local CMA centre. She lives in rural Shropshire with her family and happily spends her free time sewing, knitting, strimming down brambles and cheering on her beloved Brighton and Hove Albion football team.

Heather Keates

John Franks: Chief Operating Officer.


John is responsible for CMA services, projects and planning, along with the management of the CMA staff team. He became a Christian at the age of nineteen and is now a member of the Third Order of the Society of St. Francis. When not working for CMA, John enjoys creative pursuits. He is a published author, musician and actor, and holds a degree in Fine Art sculpture. Married with one (grown) son, John and his wife endeavour to be good stewards of a smallholding in West Wales along with their dog, cat, chickens and horses.

John Franks

Rory Sanders: Operations Support Manager (North West & North Wales), Training Program Manager.


Rory is a member of the Institute of Money Advisers and runs a debt advice centre in Congleton. Rory has been a foster carer for 12 years and currently has two long term placements at home which, together with 4 children and 4 grandchildren makes for a busy household! He is a trustee at his local church. Sorbet making has recently featured prominently in his life with kiwi, pineapple, apple and mango being the favoured flavours! When he has time he enjoys chilling out in the attic with his model railway and going away with the family in the caravan.

Rory Sanders

Richard Payne: Operations Support Manager (South & East England).


As well as being an OSM, Richard runs a local advice centre in his home town of Harpenden. He is married to a beautiful Brazilian lady and has two great children. In his previous life he has worked as a Chartered Accountant, Missionary, Finance Director and a Church Leader before getting involved with debt advice. Richard enjoys most sports, but especially football (Seagulls!) and cricket. He loves entertaining at home which sometimes means he gets to be in the kitchen!

Richard Payne

Steve Bolton: Operations Support Manager (London SE).


Steve joined CMA in 2012, coming from a background in regulated financial services, and bringing experience of advice and management. In the first few years with CMA, he also worked in foodbank development with The Trussell Trust. With a heart to serve and support others, Steve is active in various roles within his local community, including overseeing the Watford CMA centre.

Steve Bolton

Claire Daniels: Operations Support Manager (North East England).


Claire lives in Scarborough where she's five minutes from the sea and loves walking on the cliffs. She runs the local Debt Advice Centre (which also has a sea view!) and is passionate about seeing people set free from the chains of debt and helping other people set up similar centres. She has several different hats in her local church and loves seeing people fulfilled in all God has called them to be. An avid fan of rice pudding, tea and journaling (preferably all together) with some time left to spend with her teenage children who are her favourite people in the world

Claire Daniels

Duncan Harkness: Operations Support Manager (South West & South Wales).


Duncan has many years’ experience as a face to face debt adviser, including establishing and managing money advice services. He has a BA in Advice Studies and currently runs a debt advice service in Cheltenham.

Duncan Harkness

Stephen Curran: Operations Support Manager (Scotland (CMAS) & North East England).


Stephen brings a depth of political experience to the team, including a broad range of work in Scottish social action initiatives. Well networked within Scotland, he brings a thorough understanding of the needs of the nation and currently resides in Glasgow.

Stephen Curran

Jane Taylor: Operations Support Manager (East Midlands), Social Media Manager.


Jane trained as a pharmacist and worked in the NHS for many years, helping GPs manage their prescribing budgets. She helped set up Cornerstone Money Advice, Nottingham in 2014, where she volunteers as an adviser. Jane is a creative soul and in her free time she runs her own lifestyle blog, Maflingo.com where she writes about money-saving tips, DIY, homes & interiors and creativity.

Jane Taylor

Kate Downward: Head Office Administrator.


Kate manages administration, treasury, website and data management work from our Head Office in Shrewsbury. She has a wide range of administrative and financial experience from her work over many years as an external auditor with the Audit Commission. She is also a debt adviser at her local debt advice centre in Shrewsbury.

Kate Downward