SOUTHEND CAP DE8T ADVICE CENTRE ACCOU14TS ANDTRUSTEE REPORT FOR THE YEAR ENDED 31 DECEMBER 2020 Scanned with Camscanner
| 2020 | 2020 | 2020 | 2019 | |||
|---|---|---|---|---|---|---|
| Client | ||||||
| General fund | Support6, | ,- | ~ Total E |
Total | ||
| RECEIPTS | ||||||
| Individual giving |
7,108.35 | 1,440.00 | 8,548.35 | 8,184.89 | ||
| Church giving | 13,545.00 | 13,545.00 | 13,984.54 | |||
| Gift aid | 597.82 | 597.82 | 1,195.40 | |||
| Fundraiser | 2,391.73 | 2,391.73 | 2,568.35 | |||
| Grants received | 15,000.00- | 11,629.94 | ||||
| Other | 946.19 | 946.19 | 759.00 | |||
| .Bank Interest | 19.82 | '19.82 | 55.94 | |||
| 39,608.91 | 1,440.00 | 41,048.91 | 38378.06 | |||
| PAYMENTS | ||||||
| Salary | 11,616.90 | 11,616,90 | 11~7.63 | |||
| Nest Pension HMRC |
1,396.58 3,326.59 |
1,396.5$ 3,326.59 ', | 1,394.78 3,473.20 |
|||
| CAP | 9/80.00 | 9,480.00 | 10,020.00 | |||
| Insurance | 482.81 | 482.81 | 455.48 | |||
| Office expenses | 964.44 | 964.44 | 1,139.52 | |||
| Travel expenses | 689.97 | 689.97 | 2,004.50 | |||
| Client Support - Hampers | 1,562.99 | 1,562.99. | 1,476.49 | |||
| Client Support -food & misc | ' | 628.19 | 628.19, | 1,421.80 | ||
| Other | 149.93 | 149.93 | 452.31 | |||
| Equipment | 908.99 | 908.99 | 19.46 | |||
| 29,016.21 | 2,191.18 | 31,207.39 | 33,265.17 | |||
| Opening balance 01/01/2020 |
28,112.57 | 1.955.93 | 30.068,50 | 24,955.61 | ||
| 'Profit/ (Loss) | 10592.70 | (751.18) | 92l41.52 | 5,112.89 | ||
| Closing balance 31/01/2020 | 38,705.27 | 1204.75 | 39,910.02 | 30,068.50 |
SOUTHEND CAP OEBTXIVICE CENTRE YEAR ENDED 31ST DECEMBEA STATEMENT OF ASSEfsAND LIAWLrfiES 2019 CASH FUMOS Barclays Current A¢coL¥rt BarclaysACt saver Cash Bala 2303.88 37,606.14 4,782.18 25.286.32 39910.lfl 30.068.50 LIABILITIES NEf CASH FUND5 39.910.02 30.068.$0 General Fund Client SUOrt Fd l Restrkted) 38.705.27 1.204.75 28,112.57 L955.93 Date.......-.- Mrs Julle Ea<ty- Chalm)an SI¢... Mr Paul Wlls¢n-Trus*e Scanned with Camscanner
SOUTHEND CAP DENT ADvice CENTrE YEAR ENDED 31st DECEMBER 2020 TRusfEES' ANNUAL REPORT The charlty Is a ReOstered Chartty No.1159193 establishe(I In 2014. The Charlty's prlncipal address 15 5hoeburyness and Irpe Bay Baptist LThurch. Thorpedene Gardens, Shoeburyness Essex 553 9JD. The Trustees ofthe Charlty a- JLdie Eaty ICh3lrl Mrs melan Venables Iseuetaryl IAppDlnted September 20201 Mr Paul Wi150n ITreasurerl Mr Robert 8riant (Appointed September20201 Mr Les Denton Mr Geoff Fullord Mr Rlthard Hi8gs Mrs Lesley Lewis (Appointed September20201 rru5tees who resign&l dvrinl the year,. Mrs Joanna Hellentyand IRe51Bned 5epternber 20201 Mr Philip Rotheram IRe&8rd Jdy 20201 Strurtur•. Gov•m•nM and Manwrn•nt Southend CAP DebtAth1 Centre has Dver 160 supportlng members drawn from over 15 thurches attoss the borough of Southend on Sea. In addition to social events a1 volunteers meetin85, these member5 are invited to meet twice a y¢ar- one of these occasions bein8 the AGM of the organisation. Trustees are eletted by the mernber5 at the AGM. Al each AGM one third ofthe Trustees- those who ha seNed longest since their last ertlDn- must retlrebLrt are eligible for re- elettion unless they have servL¥Jthree wnsecytNe terms. when they a not eligible for e10n for further two years. ThE Trustees are responsible for the 8overn8n¢e of the CIO. SoLrthend CAP D@btAthlce Centre has a paid. part tln* manager. The manpgèr 15 8cccsuntsble to th• tnjsw and manages the day tsi day ruming of thE Centre. ThrEe volunteerdebtwaches have now been tralned and to 5YPPOrt them are approximately 50 volunteers, who art a5 befrlenders forour clients. The organisatlon works In parrfiershlp wlth Christlans Agaln5r Poverty ICAPI. based in Bradford. They aleaCed¥1ed by the Financlal Condurt Authority to providefinancial ané legal sllPPOrt and advKe to clients. Our role15 to èxplain the advice provided by CAP and provlde pastoral support. Tht objects ofthe CIO a The lief of povertyi IncluE¢ln8 thè proVIOn of mon•y managemènt and debt advke.. rhe advancemént of thè a)rfstlan rellgion,. wfithln the area of Southend on Sea, Induding the Ix)rough of Sourhend and part5 01 R¢¢hford and.1 Castle Poini. We provldè dèbt I7¢• by vislttng dlonts and potentlal tliénts In thelr own knmes. mana8er and Volunteer Dèbt Coaches are trained to collect Informatlon and explaln budgets and the advlte Scanned with Camscanner
diawn up by Chri5tlans Aqalnst prty In Bradfor& Covld has impted thè mèthtsj of our servlces gfeavy, causlng us to communlcate wlth dlents overthe phone ratherthan fatt to fa¢e and Ratl infomation electroniulty. Won8 withln the government 8uldellnes some clknts hove kaken the opportunlty to meet face to fKe in Church tJJlldlry, Ilndlni thls •n8a8•rnertt more benefidol In aldln8 the path out of debL We havelou the wovlsh)n of pracdtal support such a5 Èmergerq fDod shops and fuel tOP-UPS pxtremely beneficlal to dlents durlng the pandemlc. Personal encouragement by the debt coaches and befrlenders ConrtueS for as lon8 a5 ft tskes for the dlent to become debt free. Even wllh thECtsvld re5trlttlon In place we were able to dlstrttxjte Chrfstmasand Easter hampers 10 all of our clients as a way of showing God's I+e In & pijctlcal way. The door4top delerS also tided an Opwtuty to encoura8e clients. NOMlty we would or8anise soclal acti¥ttie5 for cl¢ents at churthes in 5¢uthend however dut to Co7Ad wè We una•t0 host arry events in 2020. We offerto pr•ywith clitnts and Invite them to 3ep41¢es and other actlwitles In Ial churtbes as apwopriate. Wè ar& consdou5 that many cNents arevulnerable, so these offers are made wkthout pressure. It 15 atrwavsemphasised thatwe provlth ourservI5 uncondr¢lonalty. l our wwces are free of tharge io cllents. Achle¥ements and Perfomian¢e Durlngthe yèar. we corresponded wlth 60 potentk41 clients. These were people in debL all of %thom had contacted us tu enqulre ab¢)ut ourseNos. 01 these. 50 became clleftts. thlring the year. we celebrated 13 people becornlngdebtfree as a resur( of our work. sIn we started the chartty In Z014, 114 have becorne debt free. Slnce thè char5tystarted, 13 people have made fifsttifft ¢ommltmentSto Jesus Chrlst. We owe a hu8e thankyou to the Debt Coxhes who havè had to lapt to new wacti durirE the patem1£. They have been Instrumental to ensuilng the ouallty of 5eNice wovided to the dlent contlnue5 even wlth muklple re5tritti¢Jns and additlonal wo¢edures In plxe. They have Invested time and Care to both exlstin8 clients and new dients. Dur work has resutted In benefft to the publk. From rhe moment peorAe becorr* cllents, all dlscu5$1ons wSth credltor5are handled by thrlstlans Against Poverty and dntS recelve a bud8et to help them manage t11 flnances. Th act5ons have the effect of relievlro clients ofa 8reat deal of stress and pressuie. Although the effects of thls vary from cllentto for manyth15 results In an Improvement in Welbn8 and a reductlon In mental health problems. Many tllÈnts have partners and children. $0 the benef(clal effecis are experfenced by a greatef number of Indlvidua15 than thv rllEnts ak)ne. In x>me cases. p)ttntial relatlonshlp breokdowns hwe been avolded. Qur work has regjlted In an Increase In 50dal Indu51un. A nunber of ¢llents have be8un attendin8 lo1 churche5. There they have bullt new frlendshlps and galned wider support networks in addition to flndin8 a de8ree of spSrltual ate cornfort. We have also wltne55ed nmrous little steps In Scanned with Camscanner
the Ilves of cllerts thot ¢Jn be very $lBnY•ntl8ns of Impr•M•n¢tor •xampleopenln8 thelr curt•lns for the flrst thne In ye¥fs. Fln•ndal Rt The SOUTCES of 8oner•l lund Incorne to the end of 2020 have Induded donatlonsfrom partner ¢hur¢hes lèpprox, 33%), donatlons from Indtvlduals lapprox. 17%), lund.rasln8 events lappTOX. 6%) and 8rants18ppTOX. 38%) and general tund Blft ald and other sour£es lapprox 2%) The remaining 4% of Incow Indude$8lvlns to the'cllent SUPPQrt' fund whkh ensures Chrfstmas and Easter H•mp¢rs can be provlded and adWfc4A shops when neede¢. At the be8Snnln8 01 the year we were able to hwt one of our annual ftsndralsers at a local Chlmse restaurant, ralsln8 fund5 of £2,390 vla tlcket sole$ 3NI an auctfon. The lo¢ down into plat the week afterthls event took plaeewhlch was a blessin& The Covld restrirtlons meant that no furth•rfundraisers took place durfn8 th• y•4r and It 4$0 restrided the cllwt events. The Certre t(y)k advanLa8e of the kjb Retentlon kheme, plKln4 the Events Coordlnatoron fudough from Apr 2020. The lon8evTrty and uncertalnty ofthe pandemlc lead to us stoppln8the employrn•nt dthe Events CoordinoT In (knber 2020. New cllents were put on hold atthe start ol the pandemlc due to the need to change worklng procedures to telephone meeYnKs rather than factf4Ce, Tht Centre Manager reduced hls hours to 16 for the Perk Aprll through to July. In August these returned to the 20 hours per week bd cm the demand and work load. We have always held a sum equlvalentto at least ten morths. expendlture In reserve. If, at any me. reserves were to drop below nine months, costs, the tru5tee5 would attwety putsue additional extèrnal grant fundin8 and assèss the current operational strurturé of the charlty. Expendiwre is used to support key Dbiectives. The largest costs are thesalary of the Centre Manager and fees pald to Chst13n5 A8aln5t PLwerty headquarteis in Bradford a5 a contrltrthon towards their professional financial ind legal services on behalf of eui clSents. We are fortunate io have capable trustees who provide a good level of governartce voluntarily. We also have enthusiastic voluntee15 who organise fundraisn8 and manage Otr administratwe functions. This enables usto spend a very hl8h prtJportiDn of ow Income dirtlY on our charFtable ObJecte5. Scanned with Camscanner
INOEPENDENT exAMINER'S REPORT ON THE ACCOUNTS OF SOUTHEND CAP DE8T ADVICE CENTRÉ FOR THE YEAR ENDEO 31Jt DECEMBER SET our ON PAGE8 1 AND 2 R••p•ctl¥• r••poMlbllltJ•• of th• truJt••J •nd •xamlMr Thg charfvs trust808 aro r8sponbJo for Iho pr•parallon 01 th8 8¢)nIs. Th8 ch8ritYs tru5te•¥ ¢onsh1er that an audit nol rgqulr•d for thls year under Oè¢Xon 144 of the ChartJe8 Ac 2011 Ilho ChaFTlies A) and that gn indopondgnl 8xarnlnaifon IB ng8aKJ.11 l¥ my r•8pon81t411ty 10.. . exomirffj tho aCC•JthilB under selllon 145 ofthe Charittts8 Ad ' to followthe proCere6 k8ld dovm In the qeneial Dlmthon$ 9{ ty th• Charl¢y Comrnlsslon lund8r sethn 1445llbl of th# Char1d ACL aThJ . to ststa %th9th8r p#rUcJJlar maitorn have ccrne to my att•ntlon. Ba•ls ollndwndent •xarnlngrf• •tat•m•nt My exarrinatkjn was cvrfed oul In accordAnc• 7hith th8 gonwol Dir•ctth8 9l¥•n bythe Charity CommL%sfvJn. An 6xamination in&udos a rnvl&w of the aecounting reeords kw by the ¢harty and a rA)mparFson d th• Accounts pr•sèntod th thosè r•¢ords. It also indudè8 tDn¥id•ration of any unusual items or disdosures In thg aLxounts and $6ektng explanBllon8 Irom the trustees ¢onc•mlng any suth mattw5. Th wocalures undertaken do not provlde all thg avidenca that Duld bo requlred in on 8udiL and consequonty no is givèn a$ io wh8th8r th8 8c¢wnls prasent a'tru• and falrf viow and tha roport is limit8d to th0 mattels $?t out In th $tatsrrffjnt bty40w. Ind•pend•rt Exwninerfs #tst•m•nt In 0CtIOn wrth my frXaTrwnati, no ha• e•)m• to my atten0¢. I whlch givès mo raasonabie cause to beligvè that In, any materlal roskwcL th• rewlrem8nts . to keep accounts.nq record5 In ath $edyJn 130 of the Charitses Art. and . to prapare aCnts whkh accord 4th the ocLrunllng record8 and Iho quiremonts of lh• Char1tt88 Act have not bBen mèt: 2 to In my o&knin, ation $Uj be drawn tn onl•r•) emblry a propor uThJor3tspdng ofth• o¢xountg to b• roaGW. R Wheat• FCCA CKS A¢cG•Lfrntancy Llmltsd 1349-1353 London Ro•d Ldghryon4e Eo••x 3rd August 2tr21 Scanned with Camscanner