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2023-04-01-accounts

nity Registered Charity No: 1163226 Annual Re ort March 2024

Notice of

Annual General Meeting

to be held at

The Armstrong Centre Grovehill Rd, Beverley

on

Monday 4[th] March 2024 at 7pm

All Members Welcome

The Agenda

Approval of Accounts (Auditor)

Chairpersons Report

Cherry Tree Centre is in the business of helping those in our immediate and surrounding community who are struggling for a variety of reasons but primarily with the cost of living pressures which have risen year on year.

What are those reasons?

  1. A Prolonged period of government ordained austerity and reduced public spending which has limited wage growth and incomes.

  2. Withdrawal from the EU and decisions made to "Get Brexit Done" resulting in trade barriers and increased costs.

  3. The Covid pandemic! Poor planning and organisation, unwise spending and enormous costs.

  4. Putin's war on Ukraine, made easier by his perception that Europe was divided. See reason 2.

  5. Political instability! Four Prime ministers in 3 years! Collapse of leadership and economic proposals that lead to a loss of international confidence in Sterling.

These events and decisions often took place a long way away from Beverley but their effects are to be seen on the streets of Swinemoor estate. Beverley is seen as a prosperous town in a still rich country, by worldwide standards. Why then, despite Britain being a wealthy nation has Cherry Tree Centre to continue to provide support through its food pantry, its advice service and its pre-school, Little Gruffalo’s? Because Local Authorities, your Council and public services have for years been undervalued and underfunded while privatised utilities are under regulated and ever more profitable and corporate pay awards to chief executives are typically running at £3.8million pounds a year!

These are not my own thoughts. They are the reports of serious journalists, economists and Political observers printed and covered in the national press and on television.

This is why, at the end of another lean year but with the prospect of change to come, I thank my fellow trustees, our manager, all our staff and our dozens of volunteers for all they do to continue Cherry Tree Centre's vitality in the future.

Jim Whitfield, Chair of Trustees

Cherry Tree Community Centre Managers Report

The last few years, especially with Covid, have been difficult and challenging for everybody. However nothing could have prepared us for the economic crisis caused by the increased cost of living and the impact of global inflation. But as a charity we have shown resilience, a strong team of staff and volunteers who have worked tirelessly to support those less fortunate. I am incredibly proud of the full team, who have pulled together through this difficult year.

Partnership working has played a massive part in developing projects in the community, especially the youth partnership which was formed two years ago. The youth festivals have been extremely successful and finally we have been granted planning permission for the shipping containers to be made into a youth hub on the local Mudhills Park. A big thank you to the late Councillor Pete Astell whom I met with weekly and who raised the profile of Cherry Tree Centre and was a big support of the work we do. He will be sadly missed.

Another strong local partnership has been with Flemingate One Stop. Kayleigh and her team match funded the centres fundraising to allow us to replace the defibrillator at Samman Road that was not replaced after being used during lockdown.

The East Riding Food Poverty Alliance (ERFPA) was set up during lockdown and we have gone through the ups and downs of continuous funding bids, sharing food, ideas and resources. The continuation of the White Goods Project has made a huge difference to the people of the East Riding. Fridges, freezers, washing machines, slow cookers and air fryers have all been distributed to clients in crisis. A safety recall on many of the air fryers meant that lots of them had to be returned, leading to my office looking like Del Boys flat!

Throughout last year we struggled at times to buy food for our Community Pantry and Fareshare reduced the amount of food that they could send us. However we managed to get through this difficult few months.

The local community and businesses have continued to fund raise, donate and support our work. The local churches, schools and the local authority staff, especially at Christmas, have all donated toys, toiletries, gifts, chocolates, food and their time. The generosity over the last twelve months has been outstanding and at times emotional.

For me personally I have seen and been working with people in crisis for a number of years, but this last year some of the cases have upset me so much as they

should never have ended up in the situations they found themselves in. Due to many families having no access to Wi-Fi, smart phones or computers, they are unable to apply for many welfare benefits. This has led to some people being homeless or suicidal. Once again partnership working is paramount to be able to achieve the best outcome for the client.

On a positive note, I was overwhelmed to be awarded Freewoman of Beverley as I feel I was only doing my job serving the community as I had been for the last 18 years. However it was lovely to be recognised and appreciated.

I am confident that the centre’s approach to its flexibility and diversity will enable us to continue to meet the needs of the community and whatever the future holds, even if it not going to be easy, our history of resilience and sometimes stubbornness, combined with robust plans will see us through.

A big thanks to Terry Williams who has supported us with applications for grants over the last few years. His commitment and support has been so beneficial to the thousands of people we have supported, from food poverty, hygiene poverty, youth, young people and families. Wishing you all the best for the future.

Overall all, thank you to all staff, volunteers, trustees and all my professional partners who I speak to regularly. Without them there would be no Cherry Tree Centre.

Jo Ramsay Centre Manager

Advice Report

2023 has been a record-breaking year for advice at the Cherry Tree. It is widely recognised that the impact of the cost of living crisis is bigger than the impact of the pandemic on the more disadvantaged in society and this reflects what we have seen at the centre.

We have provided over 1000 advice sessions covering housing, debt, employment, energy and benefit to name but a few. There has been a significant increase in people wanting our help in claiming disability benefits and Universal Credit.

The biggest increase in request for advice is concerning benefit appeals in particular Personal Independence Payment. We are currently running at around a 70% success rate, which is significantly higher than the national average for advice centres of 57%. We have had some notable wins securing large backdated payments, which have had a huge impact for our clients. One of our clients really wanted to put into words what this meant to her and was happy for us to include this in our report for you to be able to read.

Client D’s story

How I rose from rock bottom and turned my life around in 3 yrs (so you can too).

In 2019 I hit my personal rock bottom. I believe many people assumed I had a good life, stable job, friends, family all around and I smiled on all my photographs, but deep down inside I was breaking apart. I was in psychological pain every single day, I found no joy or meaning in anything and saw no way to a future ahead.

I hit rock bottom. I had 2 arthritis diagnosis and pain, dads terminal cancer diagnosis, severe deafening sounds in my head, dizzy spells that made me fall to the ground, fatigue, anxiety, hives and to top it all covid lockdowns. I was on sick from work. I hurt my back and had a tooth extracted just before lockdown.

I also left home to do end of life palliative care and watched my loving dad die a painful cruel evil death. I was traumatised. I ran away from life itself. I wasn’t able to have my life of happiness, money, friends, job, social life, travel and hobbies that I used to have. I was no longer happy to do that or able to because of all the lifestyle changes. I laid no foundation. I was not ok. I couldn’t fall any lower.

My home flooded. I lost my case for benefits to be paid money for long term sick. I was wrongly assessed and had to try to prove it. One and a half years with no money. I faced eviction. I couldn’t fall any further but I did.

Mam collapsed with her heart but lived. She then self-neglected herself and was heartbroken losing dad. She was lucky to be alive. I had to help her. I couldn’t help myself.

I fell through the net with benefits. I lived off the food bank food and items people threw out; clothes, makeup, toys, sheets for the bed, flowers for dads grave.

Then bang, my father in law needed me as he was dying of prostate cancer. My mother in law abused my husband, he had a breakdown. When his father died his mother disowned us all, including grandchildren & great grandchildren. She also hit his brother who ran away. My husband became depressed and in self-neglect.

Cherry Tree Community Centre at the food bank saved me. Jo, Lisa and Angela. They also became my friends. They cared, gave advice and sorted UC out for us. We had money and our bills sorted out again. They also fought and won my court case for PIP and were advocates when I couldn’t represent myself as I was so poorly. I felt they’d help me find the right way to go towards straightening my life out after being so low and in need of counselling, needing to be sectioned or not wanting to live.

The food bank also gave a friendly face, a warm place, a different environment, food and a cup of tea, a comfort and a shoulder to cry on. I was listened to. I did the right thing. My journey was transformative. I told the truth and they supported me. Another week and then another, until I’m nearly back to normal, with arrangements for counselling in place to help me heal.

I will no longer need the food bank by February as I won the court case. I will be able buy food again myself. I hope to volunteer for the community; tea / coffee making and chatting to people as I was once there and I could support them emotionally with so much advice of transforming your life with gaining confidence back and a way forward with dignity to help them into a better place.

Come to the food bank and Cherry Tree advisors, people who truly care for you and surround with these people. I am currently caring for mam as she has got dementia, Alzheimer’s diagnosis. Cherry Tree helped me set up carers allowance, to undertake counselling. I’m on my way back up even at the sad time of mams disease.

I will hope this article helps people who needs support through bad times.

We are receiving more referrals than ever from NHS Social Prescribers, British Red Cross, and Age UK. ACTS 435 and Beverley Against Poverty have been invaluable in supporting our clients with beds, furniture, clothing, school uniforms and baby equipment. ERVAS have continued to provide much-needed white goods to the community.

Throughout 2023 we have provided a weekly outreach advice session at Driffield Foodbank which proved extremely popular, showing the need for advice in the more rural areas of East Riding.

None of the above would be possible without our amazing team of staff and volunteers who give up their own time to support us. From the initial contact through reception, to being allocated the most experienced advisor for our clients needs. I am extremely proud of the service we offer, this is reflected in the positive feedback we receive in our client’s questionnaires, word of mouth and the number of returning clients.

Sadly we lost one of wonderful volunteers last year Pat Calvert. Her compassion and desire to the very best for her clients underpinned her work at the centre. To us she was always there with the kindest of words and the warmest of smiles. We miss her greatly.

Lastly a word of thanks to Jo, which might sound odd if she is reading this in my absence. She is the glue that holds everything together, her door is always open and her dedication, passion, enthusiasm and never give in attitude are the rock bed of the advice service

Lisa Vause Senior Advisor

Pantry Report

The demand for the Pantry is still overwhelming.

At the start of the year we had 182 families registered per week and on average we feed 214 adults and 154 children per week. Feedback from our families is always extremely positive.

The pantry saved me and my children. I found myself in a single income household which I was only just making work, facing increased mortgage payments and bills, with my debts getting bigger and bigger. We were already using battery powered lights and using no heating.

The pantry was suggested to me by a friend, so I applied and got a place. The ladies are so kind and understanding, as I was so embarrassed to begin with. My kids think it’s amazing because they get different baked treats each week. There’s always a good mix of fresh, frozen and tinned food. We appreciate it all.

The ladies are worth their weight in gold, giving up their time, being lovely and chatty. It means a lot and so much more than I can say.

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Pantry Client A
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My visit each week to Cherry Tree Pantry really eases the stress of my weekly shop as there are not enough funds left over to shop. Helen and all staff are always polite, helpful and happy and always check on how you are, which really means a lot when you live alone.

The pantry is always well stocked with a variety of items of which are healthy also. The treats and flowers always cheer me and are very much appreciated.

At Christmas the pantry really made it special with extra items and I was fortunate to receive a Christmas meal hamper delivered by a lovely lady. The food was delicious.

I am truly grateful for the help Cherry Tree Pantry has given me and I would love to help in the pantry to give something back.Keep up the amazing work. You make the lives of people in the community whom are struggling less stressful. Thank you.

Pantry Client B

I moved to Beverley knowing no one on 24[th] June last year. I had nothing, but the first place I was advised to go to was Cherry Tree.

They gave me kitchen items and helped with valuable advice. I then got on the list to shop every Tuesday.

It’s been invaluable due to how ill I was. I come in, enjoy speaking with the fantastic team, pass the time of day and get provisions that really see me through. Without them I would have been stuck, so thanks to the team that help so many. Really appreciated.

Pantry Client C

This would not be possible without the 40 volunteers who give their time to help the community. A special thanks also to Barbie and Jackie. Their time, support and enthusiasm is invaluable.

As a volunteers we love being at Cherry Tree Community Centre. It gives us a great feeling of community spirit.

Helping local people makes us feel valued. Working as a team in the pantry has enabled us to make new friends too.

Volunteer group C

We enjoy coming here. It’s really good fun. You are helping other people, but also helping yourself. You get to know the people in the community and everyone is friendly.

Volunteer group D

Over the year we have been fortunate to receive a tremendous amount of support and donations from local businesses and individuals, including Riverview Auto Repairs, Slimming World, ERYC, Claire Greaves, Neil and Karen from the Flowerbox, The Rotary Club and the local WI groups. All of the support we receive contributes to keeping the pantry running.

Helen Rawdon Pantry Supervisor

Youth Report

Good evening everyone, for those of you who don't know I'm Josh and I also have the privilege of working for the youth club at Cherry Tree. I have been working with Cherry Tree for just over a year now and have loved every second. It has been such a rewarding job that has allowed me to form relationships with some amazing, but often interesting, young people.

One of the most prominent times that have stood out to me over the course of this year is how we have supported young people through grief of the loss of one of their friends. Throughout this time, we ran sessions that provided appropriate safe spaces for young people to come together and reflect with the care and support from both our youth workers and the agencies we work closely with. Whilst this was a hard time for both young people and staff, it facilitated strengthening of the professional relationships between young people and youth workers and allowed us all to see a different side to each other which we have all taken with us into the brighter times.

I think it was during this time that the penny dropped with our young people and they realised that we were working for them and not against them, even though it often feels like most of our job is presenting them with a book of rules and nagging at them. Since this point, there has been growth in respect on both sides that has allowed us to make real change in the lives of local young people.

In addition to the regular youth club sessions, Chloe and I have been part of the team of staff who run the weekly twilight football sessions which take place every Friday night between 8 and 9. These sessions have an average weekly attendance of 70+ young people with some travelling from neighbouring towns and villages just to attend the session.

These sessions allow us to work even more closely with other youth organisations and the police with the first aim always being making Beverley a better place to live for both the young people and residents of Beverley and the sessions continue to become more and more effective.

When the sessions first started, we used to have trouble with young people gathering in large groups a while before the session and have young people bringing bikes, drugs and alcohol onto the pitch. Whilst these issues still occasionally arise, all of the twilight football staff have worked to get young people familiar with the routines and expectations of the sessions.

The mutual respect between youth workers and young people continues to grow and the young people now leave their bikes outside without being prompted by

staff, sign into the session respectfully and show up and leave the session in an appropriate manor. I think this shows the true effectiveness of the twilight football sessions and our discussions with young people have confirmed this. They often discuss how they wished there was more things, like the football sessions, for them to do in Beverley.

As staff we often think how it's easy to get into the mind-set that 8-9 on a Friday evening in all weathers can be a chore but when you consider what the young people might be doing if they weren't playing football and how nice it is to see them enjoying themselves having a simple kick about with their mates, in a place where they don't have to worry about being moved on or offending anyone, it really does feel very worthwhile.

Both the young people and us believe that the occasional issues that are associated with young people come from being bored and the pre-established stigmatism that all young people are just hooligans that are up to no good.

All of the sessions we support provide young people with a place to feel safe with the support from adults who aren't working against them and are there to support their general wellbeing. The more that young people start to recognise this, the more effective and successful our engagement with them becomes.

Like I said earlier, it is one of the greatest pleasures and privileges to work with the young people and I feel so grateful to work for an amazing organisation like Cherry Tree who are always there to support people at any age.

Looking forward, both us and the young people are excited about how we have very recently received planning permission for our own youth club buildings to be put in the park at Burden Road which will allow us to continue to grow and improve the quality of the sessions we run and the relationships with young people.

Working for cherry tree has helped my confidence to grow massively and I am so grateful to Jo, Fiona and everyone who contributes towards Cherry Tree for the most amazing opportunities and hope that the vital support that both Cherry tree and the youth club provides to the local community can continue for many years to come.

Josh Forster Youth Worker

Little Gruffalo’s Report

Since Covid we are finding an increased number of the children attending the preschool are having a number of developmental delays, especially around speech and language and social communication. Staff are spending more time having to observe the children, leading to more referrals and the involvement of outside agencies.

To date we have eight children with support plans in place that staff follow with targets for the children, and these have to be constantly updated. Six of these children have speech and language problems and two have EHC plans. We have weekly visits from speech and language therapists, plus visits from our SENCO from East Riding of Yorkshire Council.

Last week we had visitors from The Ark at Cherry Burton School ahead of one of our children starting with them in September. They praised us for our hard work in ensuring the child received the correct support. We also have a child still with us who should have started school last September, but who all schools refused to offer a place due to their needs.

Over the last year Little Gruffalo’s has welcomed three new level 3 staff; Katie, Emily and Zoe. All are doing very well and are an asset to our team. We also have an apprentice that started with us in September. She is starting to fit in very well and is getting to know the children.

We currently have 39 children in the pre-school, plus two more starting after Easter. Our Out of School Club continues to be extremely busy, with 51 children currently attending. We have children in the Out of School Club from St. Mary’s, St. Nicholas and Swinemoor schools and offer a breakfast to children attending before school and an after school snack to those attending after school..

We also offer a Holiday Club, funded by HAF through East Riding of Yorkshire Council. This is free for children in receipt of free school meals children to attend and provides them with a hot meal, plus lots of activities. Over summer the Holiday Club proved very popular and the children enjoyed themed activities and food based on different countries each week. They took part in craft activities, sports, cooking and baking and had lots of fun.

The feedback we receive from parents is always very positive. Here is a selection of some of the comments we have received over the last year:

“The staff are really approachable. They always put the children first and are really helpful.”

Mum of LS 

“The staff are fantastic. I’ve never
had any problems.”

Dad of HT

“Little Gruffalo’s is a very well organised pre-school. It is clean and tidy, with professional and friendly staff.”

Mum of TD

“Little Gruffalo’s is brilliant! All of my children have attended the setting. I would not send them anywhere else.”

Mum of EC

“It is a fab pre-school, safe and friendly. My child has come on leaps and bounds since starting.”

Dad of DS

Working in a pre-school can be very challenging, but is also possibly one of the most rewarding jobs as you see the children meeting their milestones and provide each child with the correct support they need.

Alison Smith

Little Gruffalo’s Manager

Community Bingo Group Report

The Community Bingo Group continues to run self-sufficiently at the Armstrong Centre and celebrates its second birthday this week. Members have the chance each week of winning a variety of prizes, whilst enjoying a cup of tea or coffee and a chat. On average the weekly attendance is 24, but over the past few weeks we have welcomed several new members.

Over the last year the group enjoyed a special afternoon tea with Bingo to celebrate the Kings Coronation, trips to the Ferguson Fawsitt in Walkington for a meal and Hornsea Garden Centre for a carvery lunch. At Christmas the group had a Christmas Party, where each member received a shoebox full of gifts.

Members attend for a variety of reasons, including to reduce their social isolation. For example a couple attend who moved to Beverley during the Covid pandemic. They knew nobody and felt incredibly isolated until they started attending the group. They have formed new friendships through the group.

Another member started attending with a family member and chose to sit alone each week at the back of the room. They now attend weekly and have grown in confidence so much so that they are now our regular Bingo Caller. They have also started volunteering at the Community Pantry.

Barbie Middleton-Parsons Trustee and Bingo Group Leader

Treasurer Report

Hi all, I’d like to start by thanking you all for coming tonight, the CTC is a fantastic charity that helps so many, and this help would not be possible without your support.

We have fantastic staff and volunteers at the CTC and I’m grateful to each and every one of you for your continued commitment, hard work and for going that extra mile. I believe the most important asset and investment a business can make is in its staff, and we have an amazing group who work really hard.

Ten years ago, we looked at all the areas and services we deliver, and the trustees had a vision. That vision was to shape and mould the charity into a fluid adaptable organisation which meets the needs of the community. This is a strength I know my fellow trustees and I feel very proud of, last year we supported nearly 27,000 people.

Funding is a constant challenge, with rising costs and wages it’s difficult to deliver the services we do. As we have navigated our way out of Covid, Brexit and now through the cost-of-living crisis it has, and always will be, a challenge to continue to deliver our much needed and valued services.

Last year we delivered a housing project and homed 2 young men from Beverley. This year we hope to deliver a home to the young people in Beverley in the form of the CTC Youth Hub Project, with successful planning application in place, we now need to raise approx. £100k to convert some old shipping containers into a youth hub. We hope to create a safe space for young people as they face challenges different to those that most of us faced when we were young.

I’d like to say a massive thankyou to all the staff, the volunteers, and trustees and a special thanks to Claire, who is our accounts clerk and my right arm. And lastly to my partner Jo, for all the headaches she gives me and joys we celebrate, when we deliver the success stories and help people facing hardships.

Thank you all very much,

Tony Henderson Treasurer

  Dog & Duck Inn Latimer Church St Nicholas Church   Rotary Club All Saints Church South Cave Primary   The WI Humberside Police First Hand Training …plus many others

A BIG thank you

to all of our volunteers

Without each one of you the centre would not be able to offer the range of services it does

The present Management Committee Trustees

Jim Whitfield – Chair

I moved to Beverley in 1978 to teach Design and Technology at Beverley Grammar School. I was elected to Beverley Town Council in 1999 and was elected to be Mayor of the town in 2003/2004 and 2007/2008.

I am also a trustee of the local charity Beverley Community Lift and the Chair of Go Kids Go, a wheelchair skills training charity. My hobbies include athletics, cycling and DIY. I joined the committee by invitation, and strive to ensure its ongoing success in assisting the local community.

Pat Crouch – Vice Chair

I have been associated with Beverley Cherry Tree Community Centre since 2006 and was Chair of the Trustees for nine years. I have always been very active within charities and community groups in Beverley. I volunteered at British Red Cross for several years.

My hobbies include spending time with my children, grandchildren and great grandchildren, taking holidays both within the UK and further afield. I am also a regular attendee of Beverley Baptist Church. It has been a privilege to watch the Centre blossom and flourish over the years, to become the place it is today.

Jim Sharp

I am a founder member and have been involved with the centre since 1986. I live in Beverley, and before retirement worked as a structural engineer with the local authority.

I am actively involved with a number of other charities including Beverley Against Poverty and Churches Together. I have recently been made a Freeman of Beverley.

My hobbies include golf and spending time with my family. In my spare time I am involved with Hull and East Yorkshire Credit Union and play the piano in local care homes.

Amy Anderson

I live in Beverley and began volunteering at the centre in the Community Pantry during the Covid-19 pandemic, whilst working at East Riding of Yorkshire Council. I now work for the Humber Teaching NHS Foundation Trust. I enjoy spending time with my family, socialising with friends and going to the gym.

Tony Henderson – Treasurer

I grew up in the area around Beverley Cherry Tree Community Centre. I have held various roles within the NHS, including my current role with the SMASH team within schools in East Yorkshire.

My role as treasurer at Beverley Cherry Tree Community Centre includes ensuring robust and effective financial controls are in place, reviewing the charity’s financial performance and writing and reviewing policies for finance and investment. I enjoy spending time with my family and travelling. My hobbies include playing and watching football, cooking and gardening.

Marie Ramsden

I have been a trustee at CTCC for approximately 14 years. My original role was as a mentor/practice assessor for social work students on placement with the Advice Centre. This setting was an excellent training ground for students, exposing them to the many complexities of the Welfare Benefits system and the problems and anxieties experienced by claimants. I am passionate about fighting poverty.

Barbie Middleton-Parsons

I live in Beverley, close to Beverley Cherry Tree Community Centre and joined as a trustee three years ago after volunteering at the centre for a number of years.

I have always been passionate about volunteering and have run a successful arts and crafts group locally for a number of years. I was an active member of the Friends of St Mary’s School, organising events to raise funds for the school. I currently run a busy social community group at the centre. My hobbies include crocheting, arts and crafts and spending time with her family.

John Edmond

I live locally, in Beverley, and have recently joined Beverley Cherry Tree Community Centre as a trustee. I qualified as a solicitor in 1983.

I always had a keen interest in town planning and this was the direction my law career moved in. This saw me at Planning Inquires as a cross-examiner and negotiating agreements associated with

major developments.

I now have a Development Consultancy, specialising in advising on development land opportunities.

Inde endent examinerfs Re ort to the trustees of Beverle Che Tree Communi Centre CTCC forthe ear ended 31" March 2023 I report to the trustees on my examination of the accounts of CTCC forthe year ended 31" March 2023. Res onsibilities and basi$ of re ort As the charty trustees of the CTCC you are responsible for the preparation of the accounts in accordance with the requirements of the Charities Act 20111"the ACV'I. I report in respect of my examination of the CTCC'S accounts carried out under section 145 of the 2011 Act and In carrying Out my examination I have followed all the applicable Directions given by the Charity Commission under section 145{5){bl of the Act. Inde endent examinerfs Statement I have completed my examination. I confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect: l. Accounting records were not kept in respect of the Trust as required by section 130 of the Charities Act- or 2. The accounts did not accord with these accounting records; or 3. The accounts did not comply with the applicable requirements Con￿rning the form and content of accounts set out in the Charities (Accounts and Reports) Regulations 2LK18 other than any requirement that the accounts give a "true and fair view" which is not a matter considered as part of an independent examination. I have no concerns and have come across no other matters in connection with the examination to which attention should be drawn in this report in order to enable a proper understanding of the accounts to be reached. ANTHONY WHITLEY ACMA 7 Chestnut Avenue HESSLE HU13 ORH 28-02-2024

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