## **Trustees’ Annual Report for the period**
## **From 2 November 2020 to 31 December 2021**
## **Charity name: Chippenham CAP Centre**
## **Charity registration number: 1192100**
## **Objectives and Activities**
||SORP reference||
|---|---|---|
|Summary of the purposes of
the charity as set out in its
governing document|Para 1.17|The objects of the CIO are for the public benefit:
(a)
the relief of poverty for persons generally in, but not
exclusively, the Chippenham and surrounding area of
Wiltshire who are in conditions of need, hardship or
distress by reason of their social and or economic
circumstances by providing and promoting the
provisions of advice and other services as the trustees
of the charity may from time to time think fit;
(b)
the advancement of education of the public in, but not
exclusively, the Chippenham and surrounding area of
Wiltshire in all matters relating to the management of
their personal finances as the trustees may from time
to time think fit;
(c)
the advancement of the Christian faith through care,
compassion and relevant practical and spiritual help
as the trustees may from time to time think fit.|
|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|The main activities of the Charity were fulfilled through the
employment of a debt centre manager who, during the
reporting period, was trained and mentored by the national
CAP charity.
Within the reporting period, the centre manager undertook
or facilitated the activities described below in this report.
The charity receives referrals for the services of the centre
manager from the national CAP charity, who work alongside
the centre manager to provide Debt Counselling and Debt
Advice to individuals looking to be free from long-term
structural debt, deal with urgent debt problems and resolve
outstanding issues with creditors.
Beyond this, the Charity has also begun to deliver the CAP
Money course, a three week program of training for
individuals to learn how to manage money and finances and
learn how to save for future budgeted needs.|
|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 read and have regard to the guidance
from the Charity Commission on public benefit.
All activities and work of the Charity are undertaken with
consideration of the public benefit they are to provide and
with the intention of maximising that benefit and the impact
of the Charity.|
## **Additional information (optional)** You may choose to include further statements where relevant about:
||SORP reference||
|---|---|---|
|Policy on grant making|Para 1.38|The Charity is not, principally, a grant making charity.
The Charity does however hold a small fund provided by a
corporate donor intended to provide small items of food and
or meet immediate financial needs.
Any such needs are identified by the centre manager and
communicated to the trustees, two of whom must confirm
approval of the assistance sought.|
|Policy on social investment
including program related
investment|Para 1.38|**N/A**|
|Contribution made by
volunteers|Para 1.38|Volunteers provide essential support to the work of the
Charity. Currently volunteers:
-
Act as befrienders to those accessing the support
of the Charity, providing a point of contact for the
service users to provide emotional support to
those dealing with debt.
-
Train as money coaches to deliver essential
training on budgeting, saving and money
management.
-
Assist in fundraising.|
## **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|During the reporting period, the Charity received referrals for
its services from the following organisations:
SEETEC
The Rise Trust
Word of mouth
Doorway
Website
Chippenham Job centre
Wiltshire Council Adult Social Care Team
Centre of Independent Living
CAP Poster
In the period the Charity worked with and supported 15 clients
locally, 14 of these attended all 3 main debt counselling
appointments.
5 of these individuals who were advised within the reporting
period are now debt-free and
4 are still paying into a Debt Management Plan.
In addition to this, the Charity arranged and ran two CAP Money
courses at Station Hill Baptist Church and The Rise Trust Children's
Centre. 10 delegates attended at least 1 of the 3 sessions at each
of these events.|
## **Financial Review**
|**Financial Review**|||
|---|---|---|
|Review of the charity’s
financial position at the end
of the period|Para 1.21|In November 2020, when the charity was established, the
intention was to raise sufficient funds to allow for two years
of operation of the debt centre, with the hope and intention
that over that period (so by December 2022), the centre
would have been able to secure sufficient monthly
donations to support its work into the future.
The annual operation of the debt centre is anticipated to be
around £20,000 at the current levels of staffing to service
the current level of those accessing its services. This
provides for a monthly cost of £1,750.
At the end of December 2021 the Charity had regular
monthly income of 15% of its monthly costs, but had
secured sufficient grant funding to cover its operations for
the first two years (so to at least the end of December
2022).
The Charity is therefore in a reasonable financial position
for the short term, but is focused on increasing its monthly
income from other local sources by the end of December
2022.|
|Statement explaining the
policy for holding reserves
stating why they are held|Para 1.22|The Charity aims to hold sufficient reserved to cover 3
months of its running costs in order to cover staffing and
administrative costs should it become clear there were
insufficient funds for the Charity to continue its operations.|
|Amount of reserves held|Para 1.22|£5,000|
|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|**N/A**|
|**Additional information (optional)**
You may choose to include further statements|**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 benefitted from, and is grateful for substantial
grants for its first two years of operation from:
1)
Wiltshire Community Foundation
2)
Chippenham Borough Lands Charity
3)
Wessex Water
4)
Tesco|
|Investment policy and
objectives including any
social investment policy
adopted|Para 1.46|**N/A**|
## **Structure, Governance and Management**
|Description of charity’s
trusts:|||
|---|---|---|
|Type of governing document
(trust deed, royal charter)|Para 1.25|Constitution for a Foundation CIO|
|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|A majority of trustees must be appointed by the trustees of
Trinity Chippenham CIO.
Trustees are identified and selected for their skills and
suitability by the current trustees and with a mind to the
skills and connections the charity may need in the future.|
## **Reference and Administrative details**
|Charityname|ChippenhamCAPCentre|
|---|---|
|Other name the charity uses|-|
|Registered charity number|1192100|
|Charity’s principal address|115 Wood Lane
Chippenham
SN15 3EA|
|||
## **Names of the charity trustees who manage the charity**
|1
2
3
4
5|**Trustee name**|**Office (if any)**|**Dates acted if not for whole**
**year**|**Name of person (or body) entitled**
**to appoint trustee(if any)**|
|---|---|---|---|---|
||PhilipWren|||TrinityChippenham CIO|
||TimothyJones|||TrinityChippenham CIO|
||David Jeffrey|||TrinityChippenham CIO|
||||||
||||||
## **Additional information (optional)**
## **Names and addresses of advisers (Optional information)**
|**Names and addresses of advisers (Optional information)**|**Names and addresses of advisers (Optional information)**|**Names and addresses of advisers (Optional information)**|
|---|---|---|
|**Type of**
**adviser**
**Name**
**Address**|||
|**Financial**|Watchman
Accountants Limited|48 The Causeway, Chippenham, Wiltshire, SN15 3DD|
||||
||||
||||
|**Name of chief executive or names of senior staff members (Optional information)**|||
|Maria Baker, Centre Manager|||
## **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)**
**Position (eg Secretary,**
**Chair, etc)**
**Date**|
Philip William Wren||
|---|---|---|
||||
||
Trustee||
||17 October 2022||
||17 October 2022||
||||||
|---|---|---|---|---|
|CAP Chippenham CIO Income & Expenditure summary 3rd Feb 2021 to Apr 6th 2022|||||
|2021-22|Income|Expenditure|Balance|Bank Balance
Date|
|Corporate Donations
Individual Donations
Acts 435
Special Events
Salary
CAP Monthly Fee
Bank Monthly Fee
Blessings fund
Expenses
HMRC|36,860.84
2,505.00
500.00
2,813.63
42,679.47|11,074.81
7,800.00
104.00
1,000.00
1,644.26
212.96
21,836.03|20,843.44|0
03/02/2021
20,843.44
06/04/2022|
||||||
CHARITY COMMISSION
FOR ENGLAND ANO WALES
Independent examinerfs report on the
accounts
Section A
Independent Examiner's Report
Report to the trusleesl
members of
Ilj f ecNIIII
P C(NT6
On accounts for the year
endod
05 194 /2oZI
Charity no
(If any)
Iiq21.00
Sgt out on pages
I report to Ihe trustees on my examination of the accounts of Ihe above
Charity (Ihe Trust") for the year ended 0S101fr12 W.
As the charitys trustees. you are responsible for the preparation of the
accounts in accordance with the requir8ments of the Charities Act 2011
('the Act").
Ro•pon$lbiliti08 and
ba81s of roport
I report in res of my examlnallon of the Trust's accounts carried out
under section 145 of the 2011 Act and in carying out my examination, I
have followed all the applicable Directions given by Ihe Charity Commission
under s8ctK*n 145(5Xb) of the Acl.
Indepondont tr
examlnor's Statement unde
to
eof
I have completed my examination. I confim that no malerial matters have
come to my attention in connection with the examination (other Ihan that
disclosed below ') bthich gives me cause to believe that in, any material
respecl..
th8 accountirvJ r8cords Wre not kept in accordance with s8ctlon 130
of the Charities Act- or
tbe accounts did not accord wth the accounting rècords., or
the accounts did not comply wth the applicable requiremenls
conceming the fom and content of accounts set out in the Charities
(Accounts and Reports) Regulats'ons 2008 other than any requirement
that the accounts give a Irue and fair, view which is not a matter
considered as part of an independenl examinati¢Jn.
I have no concems and have come across no other matters in connection
with the examinalion to which attention should be drawn in Ihis report in
order to ersable a proper understanding of the accounts to be reached.
. Please delete the words in the brackets rf they do not apply.
Signed:
Dat8:
3023
Name:
14,fT s -iofllLRR 04VIO ICHMOhJ
ttART£ffLO
h rAl
Relevant professlonal
quallflcationlsl or body
IER
Oct 2018
(ff any):
Address:
ausew8y.
Wiltshire SN15 3DD
Company No".
fft.. chris
watchtn¥natcountsnt&cun
Tel.. 01249 658059
Section 8
Disclosure
Only complete if the examiner needs to highlight malerial matters of concern
Isee CC32. Independent examination ol charty accounts: directions and
guidance for examinersl-
Glve here brlef detalls of
any Itoms that the
examiner wishes to
dlsclos•.
IER
Oct 2018