Didcot and Walllngford Area CAP Debt Centre against Report and Accounts 2025 Trustees Report The Trustees have pleasure in presenting this report which covers the year ended 31 December 2025. The Didcot and Wallingford Area CAP Debt Centre is a partnership of seven churches in the Didcot and Wallingford area with the national charity 'Christians Against Povertty and was registered as a CIO with the Charity Commission in February 2015. (Reg no 1160343). The objects of the Charlty are l. The relief of poverty by providing a debt counselling and debt management service 2. The advancement of the Christian religion in Didcot and Wallingford and the surrounding area The following have served as Trustees durlng the year:. Andrew Avery {St Mary's Church, Cholseyl Gareth Lloyd-jones (Ridgeway Community Church) Rebecca Buss (Wallingford Baptist Church) Michael Mortimer {Didcot Baptist Church) Naomi Gibson IAII Saints, Chilton) Timothy Hammond (St Mary's Church, Cholseyl (Chair) Simon Hudson {Wallingford Baptist Church) Jeremy Parsons (St Matthew's, Harwell with All Saints, Chiltonl Rebecca Peters {St Mary's Church, Cholseyl Nicholas White {King's Church, Didcotl The Charity Trustees met four times during the year to review progress and to discuss future plans. Didcot Baptist Church appointed a new pastor Mark Grant-jones in September but a church member will still represent the church at the meetings untll Mark decldes to take on the trustee role. The day-to-day work of the Charity was in the hands of the part-time Centre Manager, Liberty Joseph, The Chair of Trustees acts as Llne Manager for the Centre Manager. Melanie Shields continues to work as a part-time Debt Coach and Naomi Gibson provides administrative support to the team who are in regular contact. The tenth anniversary of the beginning of the Debt Centre in Wallingford was celebrated in January, as well as 100 clients going debt free in March. During the year, referrals for about 35 client families were received and we saw 11 individuals and their families going debt-free, bringing the total to 105 at the end of the year. The Debt Centre is continuing to focus on locality working with staff, volunteers and churches focussed on either the Wallingford or Didcot areas. Didcot Baptist Church continues to provide much appreciated office space in the Didcot locality, complementing the Wallingford locality office in Wallingford Baptist Church. The Debt Centre was blessed with a significant donation from the Mosawi Trust at the end of the year and the trustee5 will be explorin8 how this will further the work of the centre to bless the local community. During 2025 clients have been supported practically, involving debt centre staff supporting clients with significant benefit applications, grants, Council tax support, tax returns, DRO hub direction, as well as signposting re prevention of house possession. Staff and volunteers h3ve also helped with Rw"stered Charity no11(343
Dldcot and Wallingford Area CAP Debt Centre against general house maintenance. Through 'Blessings" the clients have been provided with various furniture items, washing machines and microwave. Deliveryof weekly food parcels to those on the tightest of budgets fresh produce from local supermarkets Waitrose and Tesco - has continued in partnership with the charity Fareshare. The joint client event was the usual Summer BBQ which was hosted at Didcot Baptist Church. Wallingford also ran a fish and chip supper which although cancelled, two clients had fish and chips delivered to them and helped one build greater connections with the church. During December, 51 hampers of Christmas food and gifts were put together by the partner churches (with thanks to the generosity of church members}, These were delivered to clients with generousfood parcels orsupermarket vouchers provided bythe Didcot and Wallingford Food banks. The team ran a "Thank You Brunch" forthe volunteers in November in recognition of their amazing contribution overthe last ten years. Theywere given a magnetto commemoratethe milestone year. The United Conference {run by CAP Head Office) in Woking was attended by fourteen people from our area with various roles from staff, volunteers and Money Coaches and they had an inspirational and encouraging day. Liberty, Melanie and Naomi attended a Revive Training Day in Witney, as well as completing in house training includlng FCA Code of Conduct, data protection etc. In November Llberty finlshed her training and qualified as a Debt Coach. The Trustees wish to record their appreciation of the hard work put in by Liberty in her new role. Thanks also to Melanie and Naomi and the many volunteers undertaking various tasks. This year, 40 plus volunteers have joined the staff in visiting and befriending clients and supporting the centre's work in other ways. Small groups of people from the partner churches continue to meet regularly in both Didcot and Wallingford to pray for the work of the Debt Centre. The Trustees recognise that without all these people, we would not be able to offer and provide the servlces we do. It Is hoped that, In the coming year, the centre will be able to reach out to more clients providing them with financial help and, when the opportunity arlses, spiritual guidance. Slgned on behalf of the Trustees: Date:..... Registered Charity no11343
Didcot and Wallingford Area CAP Debt Centre against Statement of Financial Activities from 1 January 2025 to 31 December INCOME Donations from partner churches Individual Donations and Grants Reimbursement of Client Blessings £ 44,111.30 £ 20,760.64 Total Income £ 64,871.94 EXPENDITURE Employment Salary Pension Payroll costs Travel and Expenses CAP Head Office Events, publicity and postage Insurance and other runnin8 Costs Client Blessings £ 34,638.37 £ 1,821.37 503,40 £ 1,722.51 £ 7,200.00 805.59 £ 1,375.18 Total Expendlture £ 48,086.40 Balance at l January 2025 Balance at 31 December 2025 £ 22,959.64 £ 39,765.18 Balance Sheet at 31 December 2025 Current Assets CAF Bank Current Account CAF Bank Gold Account Current Llabilities Outstanding Expenses Net Assets £ 6,172.30 £ 33,592.88 £ 39,765.18 Reglstered Charfty no. 1160343
Didcot and Wallingford Area CAP Debt Centre against Independent Examinerfs Report I report to the trustees on my examination of the accounts of the above charSty I'the Trust") for the year ended 31 December 2025. Responslblltles and basls of report A5 the charlty's trustees, you are responsSble for the preparation of the accounts In accordance with the requirements of the Charitles Act 20111"the A,1. I report In respect of my examination of the Trust's accounts carrled out under section 145 of the 2011 Act and in carrylng out my examination, I have followed all the applicable Directions given by the Charity Commission under section 14515llbl of the Act. Independent examlner's statement I have completed my examlnatlon. I conflrm that no materlal matters have come to my attention in connection with the examination which gives me cause to believe that in, any material respect.. the accountlng records were not kept in accordance with sectlon 130 of the Charities Act; or the accounts did not accord wlth the accountlng records,. or the accounts dld not comply wlth the appllcable requlrements concernln8 the form and content of accounts set out In the Charlties (Accounts and Report51 Re8ulations 2008 other than any than any requirement that the accounts give a 'true and fair, view whlch Is not a matter considered as part of an Independent examinatlon. I have no concerns and have come across no other matters In connectlon wlth the examlnatlon to whlch attentlon should be drawn In thls report Sn order to enable a proper understandlng of the accounts to be reached. Signed.. Dats: 17.Feb-26 Name: N J Clarke Address: 1 Lockton Barns, Church Lan8, Harwell, Didcot OX11 OEZ Registered Charfty no. 1160343