## **Trustees’ Annual Report for the period** **From 01/04/2022 Period start date To 31/03/23 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 |Policy on social investment
including program related
investment|Para 1.38|**N/A**| |---|---|---| |Contribution made by
volunteers|Para 1.38|Befrienders assist the Debt Manager when dealing
with clients.| |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 Coach and a Treasurer have been
appointed since the resignation of the Debt manager
on 31/03/23. ECDC is now partnering with Enfield
Vineyard Church (EVC) to deal with Clients
introduced to the Debt Coach via the CAP Head
office website. The appointed Debt Coach is being
supported by the EVC Manager to gain accreditation
l with CAP clients. The Debt Coach 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 Debt Coach is
assisted by appointed volunteer Befrienders who
deal with specific clients to help continuity and
encourage the client through each stage of the
process.
The CIO is overseen by eight Trustees who hold
regular meetings. These meetings include the review
of finances and assess the progress of the Manager
and Debt Coach in their success in dealing with
clients through each stage of the debt free process.
In addition, CAP (Christians Against Poverty) 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 Debt Coach 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~~||| ## **Achievements and Performance** ## **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 Coach 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
£35,833.29 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 Enfield Vineyard Church
(EVC) and Christians Against Poverty (CAP UK)| |Relationship with any related
parties|Para 1.51|| |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||| ||Katharine
Bleasdale-Barr|Secretary||| ||Hayley
Harding|||| ||Peter Dufton|||| ||Peter
Desmond|Treasurer|Appointed 31
March 2023|| ||Robert Bell|||| ||Kumar
Rajagopalan|||| ||Brian Robson||Appointed 26
February 2023|| ||Resigned
Trustees|||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| |||||| 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) K. Bleasdale-Barr P. Desmond** **Full name(s)** Katherine Bleasdale-Barr Peter Desmond **Position (eg** Secretary Treasurer **Secretary, Chair, etc)** **Date** 27 January 2024 ||**Charity Name**|**Charity Name**|**Charity Name**|**Charity Name**|**Charity Name**|**No(if any)**|**No(if any)**||**CC16a**| |---|---|---|---|---|---|---|---|---|---| ||**ECDC**|||||**1191279**|||| ||**Receipts andpayments accounts**||||||||| ||**For the period**
**from**||Period start date||**To**||Period end date||| ||||4/1/22||||3/31/23||| ||||||||||| |**Section A Receipts and payments**|||||||||| ||**Unrestricted**
**funds**||**Restricted funds**||**Endowment**
**funds**||**Total funds**||**Last year**| ||**to the nearest £**||**to the nearest £**||**to the nearest £**||**to the nearest £**||**to the nearest £**| |**A1 Receipts**|||||||||| |Churches|**16,733**||**-**||**-**||**16,733**||**12,893**| |Individuals|**2,274**||**-**||**-**||**2,274**||**2,515**| |One off|**908**||**-**||**-**||**908**||**3,000**| |Gift Aid|**868**||**-**||**-**||**868**||**1,625**| |Grant|**6,000**||**-**||**-**||**6,000**||**10,000**| |Misc|**75**||**-**||**-**||**75**||**3,246**| |Interest|**28**||**-**||**-**||**28**||**4**| ||**- 0**||**-**||**-**||**-**||**-**| |**_Sub total_**_(Gross income for AR) _|
**26,886**||**-**||**-**||**26,886**||**33,283**| ||||||||||| |**A2 Asset and investment sales,**
**(see table).**|||||||||| ||**- 0**||**- 0**||**- 0**||**-**||| ||**- 0**||**- 0**||**- 0**||**-**||**- 0**| |**_Sub total_**|
**- 0**||**- 0**||**- 0**||**-**||**- 0**| ||||||||||| |**_Total receipts_ **|
**26,886**||**- 0**||**- 0**||**26,886**||**33,283**| ||||||||||| |**A3 Payments**|||||||||| |CAP UK|**6,690**||**-**||**-**||**6,690**||**6,600**| |Salaries|**11,688**||**-**||**-**||**11,688**||**10,895**| |PAYE|**325**||**-**||**-**||**325**||**-**| |Pension cons|**1,747**||**-**||**-**||**1,747**||**1,456**| |Insurance|**363**||**-**||**-**||**363**||**360**| |Mobiles & computer|**504**||**-**||**-**||**504**||**1,078**| |Travel & subsistence|**223**||**-**||**-**||**223**||**129**| |Sundries|**364**||**-**||**-**||**364**||**80**| |Rent|**100**||||||**100**||**50**| |Professional fee|**- 0**||**-**||**-**||**-**||**72**| |Transfer|**7,000**||**-**||**-**||**7,000**||**-**| |**_Sub total_ **|
**29,004**||**-**||**-**||**29,004**||**20,720**| ||||||||||| |**A4 Asset and investment**
**purchases,(see table)**|||||||||| ||**- 0**||**- 0**||**- 0**||**-**||| ||**- 0**||**- 0**||**- 0**||**-**||| |**_Sub total_ **|
**- 0**||**- 0**||**- 0**||**-**||**- 0**| ||||||||||| |**_Totalpayments_ **|
**29,004**||**- 0**||**- 0**||**29,004**||**20,720**| ||||||||||| |**_Net of receipts/(payments)_ **|**-**
**2,118**||**-**||**-**||**-**
**2,118**||**12,563**| |**A5 Transfers between funds**|**7,000**||||||**7,000**||**-**| |**A6 Cash funds last year end**|**31,153**||**-**||**-**||**31,153**||**18,590**| |**_Cash funds thisyear end_ **|
**36,035**||**-**||**-**||**36,035**||**31,153**| ||||||||||| ||||||||||| |**Section B Statement of assets and liabilities at the end of the period**|||||||||| |**Categories**|**Details**||||**Unrestricted**
**funds**||**Restricted funds**||**Endowment funds**| ||||||**to nearest £**||**to nearest £**||**to nearest £**| |**B1 Cash funds**|Current a/c||||**12,504**||**-**||**-**| ||Savings a/c||||**23,531**||**-**||**-**| ||||||**-**||**-**||**-**| ||**_Total cash funds_**||||**36,035**||**-**||**-**| |||||**- 0**|||**- 0**|||**- 0**||||**-**||||| |---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---| |||||**- 0**|||**- 0**|||**- 0**||||**-**||||| |||**_Sub total_ **||**- 0**|||**- 0**|||**- 0**||||**-**|||**- 0**|| |||||||||||||||||||| ||**_Totalpayments_ **|||**29,004**|||**- 0**|||**- 0**||||**29,004**|||**20,720**|| |||||||||||||||||||| |**_Net of receipts/(payments)_ **|||**-**|**2,118**|||**-**|||**-**|||**-**|**2,118**|||**12,563**|| |**A5 Transfers between funds**||||**7,000**||||||||||**7,000**|||**-**|| |**A6 Cash funds last year end**||||**31,153**|||**-**|||**-**||||**31,153**|||**18,590**|| |**_Cash funds thisyear end_ **||||**36,035**|||**-**|||**-**||||**36,035**|||**31,153**|| |||||||||||||||||||| |||||||||||||||||||| |**Section B Statement of assets and liabilities at the**||||||||**end of the period**||||||||||| |||||||||||**Unrestricted**|||**Restricted funds**||||**Endowment funds**|| |**Categories**|||**Details**|||||||**funds**||||||||| |||||||||||**to nearest £**||||**to nearest £**|||**to nearest £**|| |**B1 Cash funds**|||Current a/c|||||||**12,504**||||**-**|||**-**|| ||||Savings a/c|||||||**23,531**||||**-**|||**-**|| |||||||||||**-**||||**-**|||**-**|| ||||||**_Total cash funds_**|||||**36,035**||||**-**|||**-**|| CCXX R accounts (SS)1 02/11/2023 1 ||(agree balances with receipts and payments
account(s))|(agree balances with receipts and payments
account(s))|(agree balances with receipts and payments
account(s))||OK|OK|OK|OK|OK| |---|---|---|---|---|---|---|---|---|---| ||||||**Unrestricted**
**funds**||**Restricted funds**||**Endowment funds**| ||**Details**||||**to nearest £**||**to nearest £**||**to nearest £**| |**B2 Other monetary assets**|||||**-**||**-**||**-**| ||||||**-**||**-**||**-**| ||||||**-**||**-**||**-**| ||||||**-**||**-**||**-**| ||||||**-**||**-**||**-**| ||||||**-**||**-**||**-**| ||||||||||| ||**Details**||||**Fund to which asset**
**belongs**||**Cost (optional)**||**Current value**
**(optional)**| |**B3 Investment assets**|||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||||| ||**Details**||||**Fund to which asset**
**belongs**||**Cost (optional)**||**Current value**
**(optional)**| |**B4 Assets retained for the**
**charity’s own use**|||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||**-**||**-**| ||||||||||| ||**Details**||||**Fund to which**
**liability relates**||**Amount due**
**(optional)**||**When due (optional)**| |**B5 Liabilities**|**PAYE**||||||**56**||| ||**Pensions**||||||**146**||| ||||||||**-**||| ||||||||**-**||| ||||||||**-**||| ||||||||||| |Signed by one or two trustees on behalf
of all the trustees|Signature||||Print Name||||Date of approval| ||**K. Bleasdale-Barr**||||KATHERINE BLEASDALE-BARR||||27 January 2024| ||**P. Desmond**||||PETER DESMOND||||27 January 2024| ||||||||||| CCXX R2 accounts (SS) 02/11/2023 2 # **Independent examiner's report on the accounts** **Section A Independent Examiner’s Report** **Report to the Enfield Churches Debt Centre trustees/directors/ members of On accounts for the year 31 March 2023 ended** **Set out on pages** **Charity no.: 1191279** Company no.: (remember to include the page numbers of additional sheets) I report to the charity trustees on my examination of the accounts of the Company for the year ended **31/03/2023** . **Responsibilities and** As the charity’s trustees of the Company (who are also the directors of the **basis of report** company for the purposes of company law), you are responsible for the preparation of the accounts in accordance with the requirements of the Companies Act 2006 (“the 2006 Act”). Having satisfied myself that the accounts of the Company are not required to be audited for this year under Part 16 of the 2006 Act and are eligible for independent examination, I report in respect of my examination of your charity’s accounts as carried out under section 145 of the Charities Act 2011 (“the 2011 Act”). In carrying out my examination, I have followed the Directions given by the Charity Commission (under section 145(5)(b) of the 2011 Act. **Independent** I have completed my examination. I confirm that no material matters have **examiner's statement** come to my attention which gives me cause to believe that: • accounting records were not kept in accordance with section 386 of the Companies Act 2006; or - the accounts do not accord with such records; or • the accounts do not comply with relevant accounting requirements under section 396 of the Companies Act 2006 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; or - the accounts have not been prepared in accordance with the Charities SORP (FRS102). **October 2018** 1 **IER** 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. **Signed: Date: 31 January 2024 Name: Pascale KINGNE Relevant professional ACCA (Association of Chartered Certified Accountants) fully qualified qualification(s) or body (if any): Address: Flat 20, Lee Court, Lee High Road London, SE13 5PE Section B Disclosure** Only complete if the examiner needs to highlight material matters of concern (see CC32, Independent examination of charity accounts: directions and guidance for examiners). **Give here brief details of any items that the examiner wishes to disclose** . **October 2018** 2 **IER**