## **Trustees’ Annual Report for the period** 


**From  01-05-2020 To 30-04-2021** 

## **Charity name: Mere Khwaja Foundation** 

## **Charity registration number: 1185590** 

## **Objectives and Activities** 

||SORP reference||
|---|---|---|
|Summary of the purposes of<br>the charity as set out in its<br>governing document|Para 1.17|To advance the Islamic faith through the<br>promotion and teachings of Sufi Saint<br>Khwaja Garib Nawaz in the UK and<br>worldwide for the public benefit.|
|Summary of the main<br>activities in relation to those<br>purposes for the public<br>benefit, in particular, the<br>activities, projects or services<br>identified in the accounts.|Para 1.17 and<br>1.19|Mainly but not exclusively by<br>•<br>Promoting peace, harmony and<br>inclusion through Sufi themed events<br>•<br>Relieving poverty in India through the<br>provision of food, medicine and<br>blankets|
|Statement confirming<br>whether the trustees have<br>had regard to the guidance<br>issued by the Charity<br>Commission on public<br>benefit|Para 1.18|I hereby confirm that all trustees of Mere<br>Khwaja Foundation are fully aware of the<br>guidance issued by the Charity Commission<br>on Public Benefit.|



## **Achievements and Performance** 

||SORP reference||
|---|---|---|
|Summary of the main<br>achievements of the charity,<br>identifying the difference the<br>charity’s work has made to<br>the circumstances of its<br>beneficiaries and any wider<br>benefits to society as a<br>whole.|Para 1.20|Over the last year, Mere Khwaja Foundation<br>has ran programmes across Ajmer and<br>wider regions in India – giving out aid and<br>supply of winter essentials such as, but not<br>limited to:<br>•<br>Blankets<br>•<br>Warm clothing<br>•<br>Personal hygiene products<br>•<br>Food and essential items<br>These have been particularly helpful to those<br>who are either living rough and are<br>homeless, as well as those who were daily<br>wage and manual labourers who lost their<br>incomes due to the Covid-19 Pandemic.<br>The work of Mere Khwaja Foundation has<br>directly benefitted these individuals and<br>ensured that their needs are met in these<br>challenging times.|





## **Financial Review** 

|Review of the charity’s<br>financial position at the end<br>of the period|Para 1.21|**D**ue to the charity being in the second year<br>of establishment. A huge amount of work<br>has gone into building networks and gaining<br>a steady flow of donors. The charity is in<br>sound financial conditions in order to move<br>forward and build upon the work it has<br>already been doing.<br>Trustees have reviewed financial controls<br>and regulations and are content with the<br>operation of the charity.|
|---|---|---|
|Statement explaining the<br>policy for holding reserves<br>stating why they are held|Para 1.22|Due to the nature of the work Mere Khwaja<br>Foundation does – in terms of aid and relief<br>as well as providing essential items at the<br>time of need, a policy for retaining reserves<br>is needed to ensure that there is a back-up<br>for emergency aid to be given out in cases of<br>natural disasters and other similar<br>unforeseen circumstances where emergency<br>aid may be required.|
|Amount of reserves held|Para 1.22|**£966**|
|Reasons for holding zero<br>reserves|Para 1.22|**To ensure there are funds available for**<br>**future projects.**|
|Details of fund materially in<br>deficit|Para 1.24|**Not applicable**|
|Explanation of any<br>uncertainties about the<br>charity continuing as a going<br>concern|Para 1.23|**Not applicable**|
||||
|The charity’s principal<br>sources of funds (including<br>any fundraising)|Para 1.47|Main source of funds has been through<br>donations via the charity’s account details on<br>the website – which go straight into the<br>Charity’s accounts. Due to the current Covid-<br>19 situation, most of this has been done<br>through online as in person fundraising<br>opportunities have not occurred.|



## **Structure, Governance and Management** 

|Description of charity’s<br>trusts:|||
|---|---|---|
|Type of governing document|Para 1.25|Constitution and Governing Document|
|How is the charity<br>constituted?|Para 1.25|**CIO**|
|Trustee selection methods<br>including details of any<br>constitutional provisions e.g.<br>election to post or name of<br>any person or body entitled<br>to appoint one or more<br>trustees|Para 1.25|Apart from the first charity trustees,<br>every trustee must be appointed by a<br>resolution passed at a properly<br>convened meeting of the current charity<br>trustees.|





In selecting individuals for appointment as charity trustees, the charity trustees must have regard to the skills, knowledge and experience needed for the effective administration of the CIO **.** 

## **Reference and Administrative details** 

|Charity name|Mere Khwaja Foundation|
|---|---|
|Other name the charity uses|N/A|
|Registered charity number|1185590|
|Charity’s principal address|Mere Khwaja Foundation<br>157 Maidstone Road<br>Leicester<br>LE20UA<br>England (UK)|



**Names of the charity trustees who manage the charity** 

|<br> <br>|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**<br>**year **|**Name of person (or body) entitled**<br>**to appoint trustee (ifany)**|
|---|---|---|---|---|
||Mr. Syed Fakhar<br>Nawaz Chisty|157 Maidstone Road<br>Leicester<br>LE20UA|N/A|N/A|
||Mr. Salim Bhad|N/A|N/A|N/A|
||Mr. Osman Patel|N/A|N/A|N/A|



## **Funds held as custodian trustees on behalf of others** 

|Description of the assets<br>held in this capacity|N/A|
|---|---|
|Name and objects of the<br>charity on whose behalf the<br>assets are held and how this<br>falls within the custodian<br>charity’s objects|N/A|
|Details of arrangements for<br>safe custody and<br>segregation of such assets<br>from the charity’s own assets|N/A|



## **Exemptions from disclosure** 

Reason for non-disclosure of key personnel details 



**N/A** 

## **Other optional information** 

**N/A** 

## **Declarations** 

**Signature(s)** _F.N. Chisty_ **Full name(s)** Syed Fakhar Nawaz Chisty **Position (eg Secretary,** Chair of Trustees **Chair, etc) Date** 16-01-2022 




## MERE KHWAJA FOUNDATION A REG CHARITY NO 1185590 

Sort Code 20-49-17 Account No 90318833 

SWIFTBIC BUKBGB22 IBAN GB35 BUKB 2049 1790 3188 33 

Issued on 30 November 2020 

THE OFFICIALS MERE KHWAJA FOUNDATION 157 MAIDSTONE ROAD LEICESTER LE2 0UA 

## Your Community Account 

## At a glance 

28 Nov 2019 - 27 Nov 

||28 Nov 2019 - 27 Nov|
|---|---|
|Date<br>Description<br>Money out £<br>Money in £<br>Balance £<br>28 Nov Account Opened<br>0.00<br>2 Dec<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Charity<br>11.00<br>11.00<br>10 Dec<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Charity<br>11.00<br>22.00<br>9 Jan<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Donatation<br>10.00<br>32.00<br>31 Jan<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Donation<br>10.00<br>42.00<br>13 Feb<br>Deposit at Barclays Leic Highfields<br>43<br>260.00<br>302.00<br>3 Mar<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Charity<br>10.00<br>312.00<br>12 Mar<br>Direct Credit From O Patel<br>100.00<br>412.00<br>26 May<br>Internet Banking Transfer From<br>Account 53898261 at 20-25-95<br>Optional<br>30.00<br>442.00<br>24 Jul<br>Direct Credit From O Patel<br>500.00<br>942.00<br>25 Sep<br>Direct Credit From Paypal Code<br>9966<br>Ref: Paypal Code 9966<br>0.01<br>942.01<br>7 Oct<br>Direct Debit to Paypal Payment<br>Ref: 5PE2222B2Uwan<br>This Is A New Direct Debit Payment<br>11.99<br>930.02|2020|
||Start balance<br>£0.00|
||Money out<br>£11.99<br>uCommission charges £0.00|
||Money in<br>£967.01<br>uGross interest earned £0.00|
||End balance<br>£955.02|
||Your deposit is eligible for protection<br>by the Financial Services<br>Compensation Scheme.|



Continued 

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP. 

Page 1 



Mere Khwaja Foundation A Reg Charity No 1185590 • Sort Code 20-49-17 • Account No 90318833 

||Date<br>Description<br>Money out £<br>Money in £<br>Balance £<br>Balance brought forward from previous page<br>9 Nov<br>Direct Credit From Mansoori M A<br>Ref: Winter Fund<br>25.00<br>955.02<br>27 Nov Balance carried forward<br>955.02<br>Total Payments/Receipts<br>11.99<br>967.01<br>930.02|
|---|---|



Anything wrong? If you notice any incorrect or unusual transactions, see the next page for how to get in touch with us. 

Page 2 



Helpful Information 

Get in touch 

## Dispute resolution 

If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman. 

## Important information about compensation arrangements 

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and businesses – are covered by the scheme. 

We will issue the FSCS information sheet and exclusions list which set out in detail what is, and is not, covered by the FSCS, once a calendar year usually with your account statement. 

For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk. 

Important information about going overdrawn without an agreed overdraft limit or exceeding your agreed overdraft limit 

An unarranged overdraft rate of 29.5% will apply if there is not enough money in your account(s) to make a payment and so cause an unarranged overdraft on your account(s). What is an unarranged overdraft? 

An unarranged overdraft occurs where either: 

a) you go overdrawn on your account without agreeing an overdraft with us first; or b) you exceed your agreed overdraft limit. c) not every Barclays product will allow you to go overdrawn or exceed your agreed overdraft limit. Please check your terms and conditions for more information. 

If you try to make any payment from your account and you don’t have the funds available, or if we have reasonable grounds to believe that you won’t have sufficient funds on the date that the payment will be made from your account, we will treat this as a request to make, or extend, the use of our unarranged overdraft facilities. It’s within our discretion to process the payment or return it unpaid. 

What can you do to help avoid or limit an unarranged overdraft? 

Get In Touch. If you become aware in advance that payments may take your account into an unarranged overdraft, please contact us as early as possible so that we can discuss the ways we could help. This will maximise the chances of us being able to: a) understand any changes in your business and explore the options available; 

b) consider options for authorised borrowing facilities; c) facilitate payments being made; d) limit the costs associated with unarranged borrowing; e) address any concerns that you may have. Register for Text Alerts. Business banking customers can register for our ‘Near Limit’ Text Alert which is designed to help you avoid going overdrawn (if you don’t have an agreed overdraft limit), or exceeding your agreed overdraft limit, by notifying you when your balance falls below a figure you specify. Once you have signed up for this Text Alert, if your account goes into an unarranged overdraft, we’ll send you a Text Alert the following working day (Monday – Friday) to let you know. By acting on this information you have the opportunity to clear your unarranged overdraft. 

You can register for Text Alerts through Online Banking, in any of our branches or over the phone. Visit barclays.co.uk/business-banking/ways-to-bank/mobile-bankin g for more information. Terms and conditions apply. 

Go online for more support. For useful tips to keep on top of your cashflow, helpful downloadable tools, and a simple guide to borrowing, visit barclays.co.uk/business-banking/borrow For details relating to unarranged borrowing, please refer to your banking services tariff guide. 

- For Business Banking customers, this can be found online at https://www.barclays.co.uk/business-banking/accounts/ rates-and-charges 

## Interest 

Interest is calculated daily on the cleared balance of your account at the close of business. We’ll let you know if interest is calculated on the statement balance rather than the cleared balance. The cleared balance includes only credits and debits that have cleared. Ask your branch or Barclays Business Team for details of clearance times and the dates when we pay or charge interest. The rates of interest shown are current at the time of printing this statement and may have changed during the period of the statement. 

In accordance with UK tax legislation, from 6 April 2016 interest is paid gross. For UK resident individuals (including sole traders or partnerships), if you are a UK taxpayer you may have to pay tax on interest earned in excess of your Personal Savings Allowance. For information and guidance please refer to HMRC’s website. 

The management of your tax affairs is your responsibility, including making any required declarations to the relevant tax authority(ies), where you are tax resident If the statement shows that we have applied interest to your account, we’ll give you on request details of the rate(s) of interest used and a clear explanation of how the interest was calculated. Details of Barclays interest rates for business customers are available at barclays.co.uk/business-banking. 

## Using your debit card in the UK and abroad 

We will charge you a 2.75% Non-Sterling Transaction Fee when making purchases, making a cash withdrawal, or when being refunded.  This fee also applies whenever you do not pay in sterling, for example shopping online at a non-UK website. 

As we explain in our customer terms, we calculate our exchange rate using the reference exchange rate for the Visa card scheme.  Visa converts transactions into sterling using the Visa Exchange Rate on the day it processes the transaction – as this may be a day or two later, our rate may be different on that day. 

You'll find a comparison of our exchange rate for certain currencies as a mark-up against the rate published by the European Central Bank in the Barclays App or at the following website: 

https://www.barclays.co.uk/travel/using-debit-cardabroad/ This is updated twice a day. This may help you to decide whether you want to accept the conversion rate offered by the retailer or ATM provider or accept our rate. 

## International Bank Account Number (IBAN) and Bank Identification Code (SWIFTBIC) 

Your IBAN and SWIFTBIC are shown on the front of your statement. By using them you could reduce charges when receiving international payments in euros. Find out more at: business.barclays.co.uk/bb/ibanInformation. 

## Online 

## barclays.co.uk 

## On the phone 

## 0345-717-1819 

Talk to an advisor 7am - 11pm or use our 24-hour automated service 

## Write to us 

## Barclays, Leicester LE87 2BB 

## Your branch 

## LEICESTER, LE87 2BB 

## Lost and stolen 

## cards 

## 01604 230 230 

## – 24 hours 

Tell us straight away if: 

- you do not receive a Barclays card you were expecting 

- any of your cards are lost, stolen, or damaged 

- you think someone else may know your PIN. 

Call charges will apply (please check with your service provider). We may monitor or record calls for quality, security, and training 

## Follow us 

www.facebook.com/ barclaysbusinessuk 


www.twitter.com/ barclaysbizchat 


youtube.com/ BarclaysUK 


www.linkedin.com/ Barclays Business Banking 




continued Helpful Information 

## Getting information from Barclays 

We send information to Business banking customers with their statements about relevant new offers and products. If you don’t get these messages and you’d like to, or if you do and you'd rather you didn't, just call us, or come into a branch. And if you change your mind at any time, just get in touch. 

## You can get this in Braille, large print or audio by calling 0800 400 100 (via Text Relay if appropriate) 

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). 

Registered in England. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP. 

*To maintain a quality service, we may monitor and record phone calls. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines, and will count towards any inclusive minutes you may have covering calls to landline numbers. Call charges may differ, please check with your local provider. 




## **Financial Services Compensation Scheme Information Sheet** 

||**p**<br>**Information** **Sheet**|**p**<br>**Information** **Sheet**|**p**<br>**Information** **Sheet**|**p**<br>**Information** **Sheet**||||
|---|---|---|---|---|---|---|---|
||Basic information about the protection of your eligible deposits|||||||
||Eligible deposits in Barclays Bank UK PLC are protected by:|||the Financial Services Compensation Scheme (“FSCS”)||||
||Limit of protection:|||£85,000 per depositor per bank||||
|||||The following trading names are part of Barclays:||||
|||||Barclays, Barclays Business Banking, Barclays Premier||||
|||||Banking, Barclays Smart Investor, Barclays Wealth||||
|||||Management and Pingit||||
||If you have more eligible deposits at the same bank:|||All your eligible deposits at the same bank are "aggregated"||||
|||||and the total is subject to the limit of £85,000.||||
||If you have a joint account with other person(s):|||The limit of £85,000 applies to each depositor separately.||||
||Reimbursement period in case of bank’s failure:|||20 working days.||||
||Currency of reimbursement:|||Pound sterling (GBP, £) or, for branches of UK banks||||
|||||operating in other EEA Member States,||the currency of that||
|||||State.||||
||To contact Barclays Bank UK PLC for enquiries relating|||Barclays Bank UK PLC||||
||to your account:|||1 Churchill Place||||
|||||Canary Wharf||||
|||||London||||
|||||E14 5HP||||
||To contact the FSCS for further information on<br>compensation:|||Financial Services Compensation Scheme<br>10th Floor Beaufort House||||
|||||15 St. Botolph Street||||
|||||London||||
|||||EC3A 7QU||||
|||||Tel: 0800 678 1100 or 020 7741 4100||||
|||||email: ICT@fscs.org.uk||||
||More information:|||www.fscs.org.uk||||



## **Additional information** 

## Scheme responsible for the protection of your eligible deposit 

Your eligible deposit is covered by a statutory Deposit Guarantee Scheme. If insolvency of your bank, building society or credit union should occur, your eligible deposits would be repaid up to £85,000 by the Deposit Guarantee Scheme. 

## General limit of protection 

If a covered deposit is unavailable because a bank, building society or credit union is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum £85,000 per bank, building society or credit union. This means that all eligible deposits at the same bank, building society or credit union are added up in order to determine the coverage level. If, for instance, a depositor holds a savings account with £80,000 and a current account with £20,000, he or she will only be repaid £85,000. 

Barclays Bank UK PLC also trades under Barclays, Barclays Business Banking, Barclays Premier Banking, Barclays Smart Investor, Barclays Wealth Management and Pingit. This means that all eligible deposits with one or more of these trading names are in total covered up to £85,000. 

In some cases eligible deposits which are categorised as “temporary high balances” are protected above £85,000 for six months after the amount has been credited or from the moment when such eligible deposits become legally transferable. These are eligible deposits connected with certain events including: 

(a) certain transactions relating to the depositor’s current or prospective only or main residence or dwelling; 

(b) a death, or the depositor’s marriage or civil partnership, divorce, retirement, dismissal, redundancy or invalidity; 

(c) the payment to the depositor of insurance benefits or compensation for criminal injuries or wrongful conviction. 

More information can be obtained under www.fscs.org.uk 

This method will also be applied if a bank, building society or credit union operates under different trading names. 



## **Limit of protection for joint accounts** 

**In case of joint accounts, the limit of £85,000 applies to each depositor. However, eligible deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of £85,000.** 

## **Reimbursement** 

**The responsible Deposit Guarantee Scheme is the Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London EC3A 7QU, Tel: 0800 678 1100 or 020 7741 4100, email: ICT@fscs.org.uk. It will repay your eligible deposits (up to £85,000) within 20 working days until 31 December 2018; within 15 working days from 1 January 2019 until 31 December 2020; within ten working days from 1 January 2021 to 31 December 2023; and within seven working days from 1 January 2024 onwards, save where specific exceptions apply.** 

**until 31 December 2023, ensure that you have access to an appropriate amount of your covered deposits to cover the cost of living (in the case of a depositor which is an individual) or to cover necessary business expenses or operating costs (in the case of a depositor which is not an individual or a large company) within 5 working days of a request.** 

**If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under www.fscs.org.uk** 

## **Other important information** 

**In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your bank, building society or credit union will also inform you of any exclusions from protection which may apply. If deposits are eligible, the bank, building society or credit union shall also confirm this on the statement of account.** 

**Where the FSCS cannot make the repayable amount available within 7 working days, it will, from 1 June 2016** 

## **Financial Services Compensation Scheme Exclusions List** 

**A deposit is excluded from protection if:** 

**(1) The holder and any beneficial owner of the deposit have never been identified in accordance with money laundering requirements. For further information, contact your bank, building society or credit union.** 

**(2) The deposit arises out of transactions in connection with which there has been a criminal conviction for money laundering.** 

**(3) It is a deposit made by a depositor which is one of the following:** 

- **credit institution** 

- **financial institution** 

- **investment firm** 

- **insurance undertaking** 

- **reinsurance undertaking** 

- **collective investment undertaking** 

- **pension or retirement fund (unless they are deposits by personal pension schemes, stakeholder pension schemes and occupational pension schemes of micro, small and medium, sized enterprises)** 

- **public authority, other than a small local authority.** 

## **For further information about exclusions, refer to the FSCS website at www.FSCS.org.uk** 

You can get this in Braille, large print or audio by calling 0800 400 100* (via Text Relay if appropriate) or by ordering online from barclays.co.uk/accessibleservices Call monitoring and charges information 

To keep a high quality of service, your call may be monitored or recorded for training and security. 

*Calls to 0800 numbers are free when calling from a UK landline. Charges may apply when using a mobile phone or calling from abroad. †Lines are open 8.30am-5.30pm Monday to Friday and Saturday 9am-2pm, except bank holidays. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines and will count towards any inclusive minutes you have that cover calls to landline numbers. Call charges may differ, please check with your local provider. 

Barclays Bank UK PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676). Registered in England. Registered No. 9740322. Registered Office:  1 Churchill Place, London E14 5HP. 

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