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2020-12-31-accounts

Charity Registration No. 1182583

HASTINGS & St LEONARDS CAP GROUP TRUSTEES' REPORT AND ACCOUNTS FOR THE YEAR to 31 DECEMBER 2020

HASTINGS & St LEONARDS CAP GROUP Report and accounts for the year ended 31 December 2020

Contents

Charity information Trustees' Annual Report Statement of trustees' responsibilities Statement of Financial Activities Balance sheet Notes to the accounts

HASTINGS & St LEONARDS CAP GROUP Report and accounts for the year ended 31 December 2020

Charity Information

Reference and administrative details

The charity name.

The legal name of the charity is:- Hastings & St Leonards CAP Group

The charity's areas of operation and UK charitable registration.

The charity is registered in England & Wales with the Charity Commission in England & Wales (CCEW) as a Charitable Incorporated Organisation (CIO) with charity number 1182583

Legal structure of the charity

The governing document of the charity is the Trust Deed dated 13 March 2019 establishing the charity. The trustees are all individuals.

The principal operating address, telephone number and email address of the charity are:-

Chapel Park Community Centre Chapel Park Road St Leonards on Sea, East Sussex TN37 6HR Telephone:07873 356243 email address:nickwarren@capuk.org

Objects and activities of the charity

The purposes of the charity as set out in its governing document.

The relief of poverty, including the provision of money management training and the advancement of the Christian religion within the area of Hastings, including the borough of Hastings and immediately surrounding area.

The Charity works in cooperation with Christians Against Poverty (CAP), a national charity (Reg charity 1097217) to provide debt counselling to those struggling in problem debt. The service is free at the point of delivery.

HASTINGS & St LEONARDS CAP GROUP Report and accounts for the year ended 31 December 2020

Trustees' Annual Report

The following persons served as Trustees during the year ended 31 December 2020:-

The trustees who served as a trustee in the reporting period, and, if applicable, their dates of appointment or resignation during the period were:-.

Rev J Mardell (Chair) Mrs A Wallace Mr R McGaughey Mr J Wales Mr M Harris Mrs M Burns MS R Zund MR M Scarlett Mrs E Lee

The main activities undertaken in relation to those purposes during the period.

The charity is supported by seven churches in Hastings and St Leonards from five different denominations. They each make a voluntary contribution each year from their funds to support the charity. Additionally the charity is supported by a number of individual donors who contribute to the charity through individual gifts or with regular giving through standing orders. The charity also applies to various grant giving charities for grants to further support the work.

The Debt Centre Manager also participates in a weekly drop in centre based at the local Salvation Army citadel and run by the Salvation Army where many who do not need full debt plans are assisted with food and fuel support, grant applications, benefit applications and appeals. He also works closely with the local Foodbank which is based at and un by Kings Church.

The main activities undertaken during the year to further the charity's purpose for the public benefit.

Throughout the period the charity employed a Debt Centre Manager who, based on appointments set up by CAP met with clients who were suffering from crippling debt and prepared a summary of their income and necessary expenditure together with details of their creditors and amounts owed to each. CAP then use that information to agree a repayment plan with their creditors and set up a budget for the client to use to guide their spending. In extreme cases specialist staff at CAP would recommend an Individual

Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit

The Trustees confirm that they had regard for the guidance issued by the Charity Commission on public benefit. This is reflected in the summary of the main achievements of the charity and the difference it has made to its beneficiaries and society.

The contribution of volunteers during the year.

In the period to 31 Deember 2020, as always, the debt sentre manager was assisted by 33 volunteers from 7 different churches.

Achievement and Performance

The main achievements and performance of the charity during the year.

During the year to 31 December 2020 the Charity assisted 42 Households with debt plans; assisted 32 households to become debt free and assisted in obtaining grants for 45 clients of amounts up to £120 to assist in meeting essential expenditure.

Structure, governance and management of the charity

The methods used to recruit and appoint new charity trustees.

The appointment of Trustees are made so that each supporting church is represented. Addititionally if the trustees from the 7 churches do not fill the offices of Chair, Secretary and Treasurer these are appointed in addition. Through the life of the charity the Secretary ansd Treasurer have both been appointed in addition to the church representative trustees.They are all individuals who have specific skills and experience relevant to and a passion for the work.

Following the correct procedure as laid down in the Constitution, the Trustees can appoint a Trustee at any time in the year, and a member can put up a member for election as a Trustee at the AGM.

HASTINGS & St LEONARDS CAP GROUP

Report and accounts for the year ended 31 December 2020

Trustees' Annual Report

The policies and procedures for the induction and training of trustees.

New trustees are put forward by the supporting churches if their current trustee resigns for any reason and are then appointed by the trustees as a body. Any essential information, included guidance providd by the Charity Commissioners, as well as the policies of the charity are made available to any new trustees.

The charity's organisational structure.

Trustees meet regularly to discuss and plan objectives and the implementation thereof.

They have overall control and responsibility for policy and major decision making. A part-time salaried Coordinator is employed to carry out the day-to-day management and be responsible for implementing policies. The Debt Centre Manager reports to the Trustees and delivers a report to each trustees meeting. Following the correct procedure as laid down in the Constitution, the Trustees can appoint a Trustee at any time in the year, and a supporting church .can propose a Trustee at anytime if their current trustee resigns or leaves.

The Chief Executive Officer and other senior management personnel to whom day to day management is delegated

Debt Centre Manager – carries out day to day management and has responsibility for implementing policies. He reports to the Trustees.

Setting pay and remuneration of key management personnel

Setting pay and remuneration for the Debt Centre Manager and any emplyed Debt Coach is by the Trustees. Sector norms, inflation rates and retail price index are taken into account when determining pay and remuneration. Final decisions are made by the full Trustees.

The charity as a part of a wider network.

Hastings & ST Leonards CAP Group operates as part of the Christians Against Poverty charity and therefore operates completely in accordance with the detailed guidance given by them.

The charity's relationships with related parties.

The Charity enjoys good relationships with all member churches and with other churches in the area.

The charity also works in conjunction and consultation with other agencies and charities who have concerns for the welfare of those in debt or on low incomes. Referrrals for the charity come from a number of sources including local housing associations

Bankers National Westminster Bank PLC, Havelock Road, Hastings, East Sussex.

Financial review of the position at the reporting date, 31 December 2020.

The Statement of Financial Activities shows a net incoming/(outgoing) resources for the period of a revenue nature of £7,933 (2019 £(1,553)) and net realised resources of a capital nature of £0 making net overall realised incoming/(outgoing) resources of £7,933 (2019 £(1,553)).

The total reserves at the year-end stand at £10,204 (2019 £2,271).

Policies on reserves.

The Trustees aim to have a level of reserve equating to 25% of the annual operating budget.

As an employer, the Charity has a regular commitment to meet. However, since much of the income is from voluntary contributions from churches and individuals plus grants from other organisations, income fluctuates throughout the year. Reserves enable the Trustees to meet their obligations in a timely manner.

The charity’s principal sources of funds

The Principal sources of funds in the period were:

Availability and adequacy of assets of each of the funds

The board of trustees is satisfied that the charity's assets in each fund are available and adequate to fulfil its obligations in respect of each fund.

Risks and uncertainties facing the charity.

As an employer, the Charity has a regular commitment to meet. However, since much of the income is from voluntary contributions from churches and individuals plus grants from other organisations, income fluctuates throughout the year. Reserves enable the Trustees to meet their obligations in a timely manner.

Due to an uncertain economic environment there is a risk that income will be reduced. Since the Charity has always relied on a range of income streams and maintain a level of reserves this will not affect the future of the organisation.

Plans for the Future

Summary of plans for the future and the trustees' perspective of the future direction of the charity.

Key objectives for 2021:

 In light of COVID-19, deliver a safe, sustainable and effectiveservices to our clients whilst respecting and observing relevant guidelines in force at the time.

 Continue to work cooperatively with all partners

HASTINGS & St LEONARDS CAP GROUP Report and accounts for the year ended 31 December 2020

Statement of trustees' responsibilities

The charity's trustees are responsible for the preparation of the accounts in accordance with the terms of the Charities Act 2011 and the Charities (Accounts and Reports) Regulations 2008. Notwithstanding the explicit requirement in the extant statutory regulations, the Charities (Accounts and Reports) Regulations 2008, to prepare the financial statements in accordance with the SORP 2005, in view of the fact that the SORP 2005 has been withdrawn, the Trustees determined to interpret this responsibility as requiring them to follow current best practice and prepare the accounts according to the FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2015 (as amended by the Bulletin issued in February 2016) .

Charity law requires the Trustees, if they prepare accounts on an accruals basis, to prepare financial statements for each financial year which give a true and fair view of the state of affairs of the charity as at the end of the financial year and of the surplus or deficit of the charity. In preparing those financial statements the Trustees are required to:-

The law requires that the trustees must not approve the accounts unless they are satisfied that they give a true and fair view of the state of affairs of the charity and of the surplus or deficit of the charity for the year.

The Trustees are also responsible for maintaining adequate accounting records which disclose with reasonable accuracy at any time the financial position of the charity and which are sufficient to show and explain the charity's transactions and enable them to ensure that the financial statements comply with regulations made under the Charities Act 2011. They are also responsible for safeguarding the assets of the charity and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

The Trustees are also responsible for the contents of the Trustees' report, and the statutory responsibility of the Independent Examiner in relation to the Trustees' report is limited to examining the report and ensuring that, on the face of the report, there are no material inconsistencies with the figures disclosed in the financial statements.

This report was approved by the board of trustees on ......................

.................................... …………………… Janet Mardell Roy McGaughey Chair of Trustees Treasurer

HASTINGS & St LEONARDS CAP GROUP

Report and accounts for the year ended 31 December 2020

Statement of Financial Activities for the period ended 31 December 2020

SORP Current year Current year Current year Prior Period
Ref Unrestricted Funds Restricted Funds Total Funds Total Funds
2020 2020 2020 2019
£ £ £ £
Income & Endowments from:
Donations & Legacie A1 22,951 22,951 12,399
Charitable activities A2 - - 170
Total income A 22,951 - 22,951 12,569
Expenditure on:
Raising funds B1 - 0
Charitable activities B2 15,019 15,019 14,122
Total expenditure B 15,019 - 15,019 14,122
Net income (expenditure) for year 7,933 0 7,933 (1,553)
Net income after transfers A-B-C 7,933 0 7,933 (1,553)
Net movement in funds 7,933 0 7,933 (1,553)
Reconciliation of funds:- E
Total funds brought forward 2,271 - 2,271 3,824
Total funds carried forward 10,204 - 10,204 2,271

The 'SORP Ref' indicated above is the classification of income set out in the formal SORP documents. As required by paragraph 4.60 of the SORP, the brought forward and carried forward funds above have been agreed to the Balance Sheet.

A separate Statement of Total Recognised Gains and Losses is not required as this statement includes all recognised gains and losses. All activities derive from continuing operations

HASTINGS & St LEONARDS CAP GROUP

Report and accounts for the year ended 31 December 2020

Balance Sheet as at 31 December 2020

SORP 2019 2019
Ref £ £
Current assets B
Cash at bank and in hand B4 10,204 2,271
Net current assets 10,204 2,271
The total net assets of the charity 10,204 2,271
The total net assets of the charity are funded by the funds of the charity. as follows:
Restricted funds
Restricted Revenue Funds D2 - 0
Unrestricted Funds
Unrestricted Revenue Funds D3 10,204 2,271
Total charity funds 10,204 2,271

The 'SORP Ref indicated above is the classification of Balance Sheet items as set out in the formal SORP documents. As required by paragraph 4.60 ofthe SORP, the brought forward and carried forward funds above have been agreed to the SOFA..

The Trustees acknowledge their responsibilities for complying with the requirements of charity legislation with regard to accounting records and the preparation of accounts.

The Trustees are satisfied that, although the charity is not registered under the Companies Acts, if it were so registered, it would be eligible to prepare accounts in accordance with the provisions in Part 15 of the Companies Act 2006. applicable to companies subject to the small companies regime.

.................................... …………………… Janet Mardell Roy McGaughey Chair of Trustees Treasurer

Approved by the board of trustees on ............

The notes attached on pages 13 to 18 form an integral part of these accounts.

HASTINGS & St LEONARDS CAP GROUP Report and accounts for the year ended 31 December 2020

Notes to the Accounts for the period ended 31 December 2020

1 Accounting policies

Policies relating to the production of the accounts.

Basis of preparation and accounting convention

The accounts have been prepared on the receipts and payments basis, under the historical cost convention, and in accordance with the Financial Reporting Standard 102, (effective 1st January 2016) and 'FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2015 (as amended by the Bulletin issued in February 2016) published by the Charity Commission in England & Wales (CCEW) ,effective January 2016, (The SORP), and in accordance with all applicable law in the charity's jurisdiction of registration, except that the charity has prepared the financial statements in accordance with the FRS 102 SORP (Statement of Recommended Practice for Accounting and Reporting by Charities) 2015 (as amended by the Bulletin issued in February 2016) in preference to the previous SORP, the SORP 2005, which has been withdrawn, notwithstanding the fact that the extant statutory regulations, the Charities (Accounts and Reports) Regulations 2008 refer explicitly to the SORP 2005. This has been done to accord with current best practice.

Risks and future assumptions

The charity is a public benefit entity. The risks and future uncertainties/assumptions facing the charity are detailed on page 5 of the Trustees Annual Report Volunteers

In accordance with the SORP, and in recognition of the difficulties in placing a monetary value on the contribution from volunteers, the contribution of volunteers is not included within the income of the charity. However, the trustees value the significant contribution made to the activities of the charity by unpaid volunteers and this is described more fully in Note 4.

Pensions - defined contribution schemes

The company makes a defined contribution pension scheme available to employees. Contributions are charged to the profit and loss account as they become payable in accordance with the rules of the scheme.

2 Liability to taxation

The Trustees consider that the charity satisfies the tests set out in Paragraph 1 Schedule 6 of the Finance Act 2010 for UK corporation tax purposes. Accordingly, the Charity is potentially exempt from taxation in respect of income or capital gains received within categories covered by chapter 3 part 11 of the Corporation Tax Act 2010 or Section 256 of the Taxation of Chargeable Gains Act 1992, to the extent that such income or gains are applied exclusively on the specific charitable objects of the charity and for no other purpose. Value Added Tax is not recoverable by the charity, and is therefore included in the relevant costs in the Statement of Financial Activities.

3 Winding up or dissolution of the charity

If upon winding up or dissolution of the charity there remain any assets, after the satisfaction of all debts and liabilities, the assets represented by the accumulated fund shall be transferred to some other charitable body: or bodies having similar objects to the charity.

4 The contribution of volunteers

The charity depends on the support of its volunteers, which is much appreciated. The charity had 33 Volunteers who assist the Debt Centre Manmager with client visits. The arrangements with volunteers are difficult to value precisely in monetary terms and have not been recognised in the Statement of Financial Activities. The volunteers and the charity accept and agree that no contract of employment is created by these arrangements.

5 Staff costs and emoluments

Salary costs

Salary costs
2020 2019
£ £
Gross Salaries excluding trustees and key management personnel 8,399 7,952
Employer's operating costs of defined contribution pension schemes 0 0
Total salaries, wages and related costs 8,399 7,952
Numbers of full time employees or full time equivalents 2020 2019
The average number of total staff employed in the year was 1 1

Neither the trustees nor any persons connected with them have received any remuneration from the charity or any related entity, either in the current or prior year.

6 Defined contribution pension schemes

The Debt Centre Manager has declined to ben enrolled in NEST.

7 Remuneration and payments to Trustees and persons connected with them

No trustees or persons connected with them received any remuneration from the charity, or any related entity.

8 Trustees' expenses

8 Trustees' expenses
2020 2019
The expenses reimbursed to trustees, or paid directly to third parties, was as shown below. £ £
0 0

9 Loans to trustees included in debtors

There are no loans to trustees.

10 Guarantees made by the charity on behalf of trustees

The charity has not made any guarantees on behalf of the trustees.

11 Related party transactions

There were no transactions with related parties.

12 The purposes for which the funds as detailed on the Balance Sheet are held by the charity are:

Unrestricted Revenue Funds These funds are held for meeting the objectives of the charity and to provide for future activities, and, subject to charity legislation, are free from all restrictions on their use.

13 Ultimate controlling party

The charity is under the control of its legal members.

Detailed analysis of income and expenditure for the year ended 31 December 2020 as required by the SORP 2015

14 Donations and Legacies

14 Donations and Legacies
2020 2019
£ £
Contributions from member churches 3,624 3,805
Donations and gifts from individuals
Donations in excess of £1,000 4,250
Small donations individually less than £1,000 2,610 2,524
Total donations and gifts from individuals 6,860 2,524
Revenue grants from government and public bodies
COVID-19 Response 8,200
Hastings Borough Council 480 4,320
Total public sector revenue grants 8,680 4,320
Revenue grants and donations from non public bodies
The Co-operative Society 3,787
Magdalen & Lasher charity - 1,000
Small grants individually less than £1000 - 750
Total private sector revenue grants 3,787 1,750
Total Donations and Legacies A1 22,951 12,399
Income relating to events organised - 170
Total Charitqble Income 22,951 12569