## **Trustees’ Annual Report for the period** **From 01/04/2021 Period start date To 31/03/22 Period end date** ## **Charity name: Enfield Churches Debt centre** ## **Charity registration number: 1191279** ## **Objectives and Activities** ||SORP reference|| |---|---|---| |Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|The Trust has been incorporated as a Charitable
Incorporated Organisation (CIO) as Enfield Churches
Debt Centre (ECDC).
The purpose of the ECDC is
a)
The relief of poverty for persons in the
London Borough of Enfield (LBE) through
debt advice and support.
b)
The advancement of education of the public
in all matters relating to the management of
their personal finances in the LBE.
c)
The advancement of the Christian Faith in
the LBE through care, compassion and
relevant practical and spiritual help.| |Summary of the main
activities in relation to those
purposes for the public
benefit, in particular, the
activities, projects or
services identified in the
accounts.|Para 1.17 and 1.19|In this financial period ECDC gained links with
Churches to partner with the charity and to make a
financial commitment to support the charity for the
public benefit| |Statement confirming
whether the trustees have
had regard to the guidance
issued by the Charity
Commission on public
benefit|Para 1.18|The Trustees have had regard for the guidance
issued by the Charity Commission in relation to public
benefit.| ## **Additional information (optional)** You may choose to include further statements where relevant about: SORP reference **N/A** Para 1.38 Policy on grant making **N/A** Para 1.38 Policy on social investment including program related investment Befrienders assist the Debt Manager when dealing with clients. Para 1.38 Contribution made by volunteers Other ## **Achievements and Performance** ||SORP reference|| |---|---|---| |Summary of the main
achievements of the charity,
identifying the difference the
charity’s work has made to
the circumstances of its
beneficiaries and any wider
benefits to society as a
whole.|Para 1.20|A Debt Centre manager and a Treasurer have been
appointed. Clients are introduced to the Manager via
the CAP Head office website. The Manager then
contacts the clients to arrange meetings to go
through their financial position and help them to build
a budget to deal with their debt and eventually
become debt free. This process may involve the
activation of a Debt Relief Order in particular cases.
The manager is assisted by appointed Befrienders
who deal with specific clients to help continuity and
encourage the client through each stage of the
process.
The CIO is overseen by seven Trustees who hold
regular meetings. These meetings include the review
of finances and asses the progress of the Manager
in obtaining and the success in dealing with clients
through each stage of the debt free process.
In addition CAP Money courses of three weekly
sessions are periodically run and are available for
Debt Centre clients and other persons who register
to be Delegates via the CAP website.
Since the Manager was appointed, 17 clients have
applied. One has completed the course, many of the
others are in the stages of completing the process.
This work can take some time and requires patience
and endurance. The Trustees are happy with the
progress to date.
A periodic newsletter is produced for distribution to
interested parties.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |Achievements against
objectives set|Para 1.41|The Trustees are happy that the objectives of
recruitment of a Debt Centre manager and
appointment of a Treasurer, Befrienders and
additional Trustees have been met.| |---|---|---| ||Performance of fundraising
activities against objectives
set
Para 1.41
No specific objectives were set as such but mainly to
increase the reach of the Charity to other Enfield
Churches and consequently their financial support.
This is an ongoing objective.
Investment performance
against objectives
Para 1.41
**N/A**
Other| |---|---| ## **Financial Review** |**Financial Review**||| |---|---|---| |Review of the charity’s
financial position at the end
of the period|Para 1.21|At the end of the financial period the Charity had
£31,153 in funds| |Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|A reserve is held to cover the costs of the Charity for
a period of 12 months after closure in accordance
with the agreement with CAP and to allow for notice
to be paid to Debt Centre workers| |Amount of reserves held|Para 1.22|£15,000| |Reasons for holding zero
reserves|Para 1.22|N/A| |Details of fund materially in
deficit|Para 1.24|N/A| |Explanation of any
uncertainties about the
charity continuing as a going
concern|Para 1.23|There are no uncertainties regarding the Charity
continuing as a going concern.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |The charity’s principal
sources of funds (including
any fundraising)|Para 1.47|The Charity’s main source of funds are from partner
Churches who commit to regular giving to support
the aims of the ECDC, and from grants to enable the
Charity to continue and expand its activities.| |---|---|---| |Investment policy and
objectives including any
social investment policy
adopted|Para 1.46|N/A| |A description of the principal
risks facing the charity|Para 1.46|The principal risks to the ECDC are lack of funding
from local Churches and a lack of volunteers and
employees to carry out the work of the Charity.| |Other||| ## **Structure, Governance and Management** |Description of charity’s
trusts:||| |---|---|---| |Type of governing document
(trust deed, royal charter)|
Para 1.25|The Constitution of the Trust| |How is the charity
constituted?
(e.g unincorporated
association, CIO)|Para 1.25|CIO| |Trustee selection methods
including details of any
constitutional provisions e.g.
election to post or name of
any person or body entitled
to appoint one or more
trustees|Para 1.25|The Trustees are appointed having regard to the
skills, knowledge and experience required for the
successful running of the ECDC. Trustees are
appointed by resolution at a Trustees meeting and
hold a term of a minimum of three years with the
exception of the first appointments, some of which
were for one year and two years to ensure the terms
of service of all Trustees did not expire together.| ## **Additional information (optional)** You may choose to include further statements where relevant about: |Policies and procedures
adopted for the induction
and training of trustees|Para 1.51|| |---|---|---| |The charity’s organisational
structure and any wider
network with which the
charity works|Para 1.51|ECDC is partnering with Christians Against Poverty
(CAP UK)| |Relationship with any related
parties|Para 1.51|For the period in the financial year until their
resignations, Trustees Mark Meatcher and Melanie
Smith were related parties in the Charity.| |Other||| ## **Reference and Administrative details** |Charity name|Enfield Churches Debt Centre| |---|---| |Other name the charity uses|ECDC| |Registered charity number|1191279| ||Charity’s principal address
47 London Road
Enfield
EN2 6DS| |---|---| ## **Names of the charity trustees who manage the charity** ||**Trustee name**|**Office (if any)**|**Dates acted if not for**
**whole year**|**Name of person (or body)**
**entitled to appoint trustee**
**(if any)**| |---|---|---|---|---| |1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20|Nick Chanda|Chair||| ||Katherine
Bleasdale-Barr|||| ||Hayley
Harding|||| ||Peter Dufton|||| ||Peter
Desmond||Appointed 13
September 2021|| ||Robert Bell||Appointed 13
September 2021|| ||Kumar
Rajagopalan||Appointed 14
September 2021|| |||||| ||Resigned
Trustees|||| ||Mark Meatcher||Resigned 31
October 2021|| ||Melanie Smith||Resigned 30
September 2021|| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| Corporate trustees – names of the directors at the date the report was approved **Director name** Name of trustees holding title to property belonging to the charity **Trustee name Dates acted if not for whole year** **Funds held as custodian trustees on behalf of others** Description of the assets held in this capacity Name and objects of the charity on whose behalf the assets are held and how this falls within the custodian charity’s objects Details of arrangements for safe custody and segregation of such assets from the charity’s own assets ## **Additional information (optional)** ## **Names and addresses of advisers (Optional information)** **Type of Name Address adviser** **Name of chief executive or names of senior staff members (Optional** ~~**information)**~~ ## **Exemptions from disclosure** Reason for non-disclosure of key personnel details ## **Other optional information** ## **Declarations** **The trustees declare that they have approved the trustees’ report above.** **Signed on behalf of the charity’s trustees** **Signature(s) Full name(s)** Katherine Bleasdale-Barr Peter Desmond **Position (eg** Secretary Trustee **Secretary, Chair, etc) Date** 12 January 2023 ||Enfield Churches Debt Centre|Enfield Churches Debt Centre|Enfield Churches Debt Centre|Enfield Churches Debt Centre|Enfield Churches Debt Centre|1191279|1191279|| |---|---|---|---|---|---|---|---|---| |||||||||| ||**Receipts andpayments accounts**|||||||| ||**For the period**
**from**||1-Apr-21||**To**||31-Mar-22|| |||||||||| |||||||||| |**Section A Receipts and payments**||||||||| ||**Unrestricted**
**funds**||**Restricted funds**||**Endowment**
**funds**||**Total funds**|| ||**to the nearest £**||**to the nearest £**||**to the nearest £**||**to the nearest £**|| |**A1 Receipts**||||||||| |Church giving|**12,893**||**-**||**-**||**12,893**|| |Personal giving|**2,515**||**-**||**-**||**2,515**|| |One-off gifts|**3,000**||**-**||**-**||**3,000**|| |Other giving|**3,246**||**-**||**-**||**3,246**|| |Gift Aid|**1,625**||**-**||**-**||**1,625**|| |Grants|**10,000**||**-**||**-**||**10,000**|| |Interest received|**4**||**-**||**-**||**4**|| ||**- 0**||**-**||**-**||**-**|| |**_Sub total_**_(Gross income for AR) _|
**33,283**||**-**||**-**||**33,283**|| |||||||||| |**A2 Asset and investment sales,**
**(see table).**||||||||| ||**- 0**||**- 0**||**- 0**||**-**|| ||**- 0**||**- 0**||**- 0**||**-**|| |**_Sub total_**|
**- 0**||**- 0**||**- 0**||**-**|| |||||||||| |**_Total receipts_ **|
**33,283**||**- 0**||**- 0**||**33,283**|| |||||||||| |**A3 Payments**||||||||| |Salaries and PAYE|**10,895**||**-**||**-**||**10,895**|| |Employers pensions|**1,456**||**-**||**-**||**1,456**|| |CAP UK fees|**6,600**||**-**||**-**||**6,600**|| |Insurance|**360**||**-**||**-**||**360**|| |Mobile phones and computers|**1,078**||**-**||**-**||**1,078**|| |Travel & subsistence|**129**||**-**||**-**||**129**|| |Prof fees|**72**||**-**||**-**||**72**|| |Rent|**50**||**-**||**-**||**50**|| |Sundries|**80**||**-**||**-**||**80**|| |**_Sub total_ **|
**20,720**||**-**||**-**||**20,720**|| |||||||||| |**A4 Asset and investment**
**purchases,(see table)**||||||||| ||**- 0**||**- 0**||**- 0**||**-**|| ||**- 0**||**- 0**||**- 0**||**-**|| |**_Sub total_ **|
**- 0**||**- 0**||**- 0**||**-**|| |||||||||| |**_Totalpayments_ **|
**20,720**||**- 0**||**- 0**||**20,720**|| |||||||||| |**_Net of receipts/(payments)_ **|
**12,563**||**-**||**-**||**12,563**|| |**A5 Transfers between funds**|**- 0**||**-**||**-**||**-**|| |**A6 Cash funds last year end**|**18,590**||**-**||**-**||**18,590**|| |**_Cash funds thisyear end_ **|
**31,153**||**-**||**-**||**31,153**|| |||||||||| |||||||||| |**Section B Statement of assets and liabilities at the end of the period**||||||||| |**Categories**|**Details**||||**Unrestricted**
**funds**||**Restricted funds**|| ||||||**to nearest £**||**to nearest £**|| |**B1 Cash funds**|Bank current account||||**14,649**||**-**|| ||Bank savings account||||**16,504**||**-**|| CCXX R1 accounts (SS) 19/01/2023 1 ||||||**-**||**-**|| |---|---|---|---|---|---|---|---|---| ||**_Total cash funds_**||||**31,153**||**-**|| ||(agree balances with receipts and payments
account(s))||||OK|||| ||||||**Unrestricted**
**funds**||**Restricted funds**|| ||**Details**||||**to nearest £**||**to nearest £**|| |**B2 Other monetary assets**|||||**-**||**-**|| ||||||**-**||**-**|| ||||||**-**||**-**|| ||||||**-**||**-**|| ||||||**-**||**-**|| ||||||**-**||**-**|| |||||||||| ||**Details**||||**Fund to which asset**
**belongs**||**Cost (optional)**|| |**B3 Investment assets**|||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| |||||||||| ||**Details**||||**Fund to which asset**
**belongs**||**Cost (optional)**|| |**B4 Assets retained for the**
**charity’s own use**|||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| |||||||||| ||**Details**||||**Fund to which**
**liability relates**||**Amount due**
**(optional)**|| |**B5 Liabilities**|HMRC||||Current||**87**|| ||Pension||||Current||**146**|| ||||||||**-**|| ||||||||**-**|| ||||||||**-**|| |||||||||| |Signed by one or two trustees on behalf
of all the trustees|Signature||||Print Name|||| ||||||Katherine Bleasdale-Barr|||| ||||||Peter Desmond|||| CCXX R2 accounts (SS) 19/01/2023 2 **CC16a Last year to the nearest £ 9,502 350 - 7,238 - 1,500 - - 18,590 - 0 - 0 18,590 - - - - - - - - - - - 0 - 0 18,590 - - 18,590 Endowment funds to nearest £ - -** CCXX R3 accounts (SS) 19/01/2023 3 **-** OK **Endowment funds to nearest £ - - - - - - Current value (optional) - - - - - Current value (optional) - - - - - - - - - When due (optional)** Date of approval 12 January 2023 12 January 2023 ## Date of approval CCXX R4 accounts (SS) 19/01/2023 4 22/01/2023, 14:50 Scan_20230116.jpg https://mail.google.com/mail/u/0/?tab=rm&ogbl#inbox/WhctKKXpScMckmzKsvzdztNvfMKMTpHcwxhPfrNVvdhkjqbgkXhlXnmsLjQNRLRdDmXcnc… 1/1