*1 CHARITY COMMISSION
FOR ENGiAND AND WALES
Trustoes, Annual Report for tho perfod
From:
I" July 2023 Period start datè
30° June 2024 Period •nd date
Chartty namo: Henl•y on Thames Church88 Dèbt Centr•
Charlty r8gl¥tratlon numb•t: 11995S8
Oble¢tives and Actlvitios
SORF reTfrw£è
Sufflrnary of Ihe purp0$85 of
the charity a5 sel out in its
goveming docjjment
1.17
The purpo88s of the chaiity ar• for tho
publlc benèffit..
al Thè rtrlref of p0￿rtY for pwsons Imng
In and around Henley on Thamtr$ who are
condlllon$ of need. hardship or
distre55 by réason of tholr50cial or
economic clTGUmStanc8$ by provldlng
advicè and other sèrviGe5 as tho tmstees
may from tlmo4041rn0 thlnk fft-
bl Tho advancemènt of edueotlon of the
public Itvlng In and around Honley on
Th8mo5 In 811 matters relating to thè
m8nagemènt ot their personal financos
a5 the tNstees may from ￿m* to tim¢
thlnk fft-,
cIThe advan¢¢ment of the Chrlstlan fatth
through ¢are. compas81on and ￿l￿vant
practl¢al and splr6tual help as thg
trn5tees ma
from tlme.tO.tlmo thlnk fit
We operats 3 0588ntlal SO￿1¢e$.
Summary of the main
8Ctrrfthe5 in relation lo th088
purposes for the public
b8nefil, in particular, the
activibes. projects OT Services
id8ntffied in th8 ac¢ount&
Staletnent confirniing
whelherthe trustees h8V
had regard lo the gu￿an(*
issued by Charity
Commi55ion on pU￿1C
b8nefit
Pw¥ 1.17x
11 Debt ¢ounselllng
21 Job Club
31 Llfe Sklll81 Flnan¢lal Bud￿￿n9
I c¢Jtffirm that tho Trt￿te0$ have rfrcelved,
d agread to th8 guldancg i88uèd
by the Charlty Commission on publl
bBnoflt.
Addltlonal inforniatkjn lopllonall
You ma
thaose lo include further statements whère felevant about..
SORPt*rent8
The Débt Contre staff arg stspptsrt￿ by
voltsntsers In 3 a￿a5.
-Belriond¥FS who accompany the d•bt
ach in debt coun8ellinq.
Coniribution made by
vdunt8ers
P¥• 1.38

who are tralned to Msl¥t In
Likski11s,Job Club and Monoy
management courses
eneral voluntser5 to glve onetwn•
8VPPOrt to 011 course attend••5
All voluntggrs ar• rgRulrgd to havo 08S
Achlevements and Perfornianco
50RF
11 Debt c￿n￿lI1[W￿
Thits y••rw• provldAd d•bt help to a
further 13 famlll¥s atKI nln• Indlvlduals..
We record each dlent confld8ntl8lly by
SUCC•88fv8 numbers and after ourflrst 2
yws, w• hav• recorded our 44th ¢lltrt
whi¢h eomprlw in totsl of 47 adults and
30 chlldren. As wlth last yoar- aach ¢as•
unlquoly dlfferent and Includ08
in our communlty from all walks of lif¢.
Tho w•lght of dobt can brfng deprèssli)n
and 6tr¥1ou$ m8ntsl health con¢•rns. Th18
¢aU￿ Isolallon lor many of our cllen
a wlthdrawal from communlty and a
decrea*• In percolved 8•1f*Mrth.
Zl Job Club
SurnTnaryof the rnain
8chi8V8m8nts of th8 chaAty,
k1￿￿.￿n0 dIfferen￿ Iho
charity's work ha$ rnade to
Ihe circU￿￿￿nceS of it8
b8￿fiCiar1es and any vlder
n8fits to ￿ as a
P*• i))
Ov•rtho past y•arw¥ hav• run thro0 Job
club cours￿. Our utchrnent arna
contlnues to be k>cal Henley town
resldants wlth the RG9 post ¢odo to
*nsuro that wfr bulld Gommunlty and offor
ommvnlty opportunbtles to also Ilnk int
church actlvttle8ldrop in and tsk• part In
the Iwo Ir Baslc8 course out ottt
local Ilbrnry by th• Actlvats L•amlno
31 Lrfo Skillsl Flnan¢lal Budgotlng
Ov•rthe past yearwe hav• run 2 Lll•
Ski115 owrsg5. In th¢ Lib Sklll¥ courno.
we ￿Ver practiral ffton￿ saving
t0¢hnIqu￿ such as shopplng •nd
￿¢￿kong on a budget. li￿n9 healthity on
les8. hom¢ èn8rgy 8avlng tlps, cr•atlng •
porsonal budget, and how to makn good

Financial Review
Revw ofthe charlty'8
finan￿a5 po81kn atthè end
ofthe period
121
Tho Dobt Centro had tolal r•c•lpl¥ of
£96267 and payments of£63.795.Bank
balancts for th• débt Contre were £64
•arend
Th• Trustees a target obJod¥8 01
holdlng the •qulvalent of 12 month¥
C08ts In r•Ber¥e8, In order to prt+vlde
stabll
and contlnu
ot our
orvico8.
£64 860 at
ar end
statement exk4aiThng th8
pdicy fcf holding reserv88
stating why they 8re hE
Amount of resetves held
Rèas￿$ for hdding zero
reserv8S
Details offund maton0Hy in
defitit
ExplanaliDn of afty
unortaintiss about the
tharity coTrliTruing as a
concarn
Pw8 122
P¥a 122
124
P•a 123
The charlty 18 a golng eon¢•m.but wo are
always rellant on èxtemal fvndraislng to
suppjementthe ¢tsr• wrtrllJutSon8 from
local church•s
Additlonal Infomwllon loptlonall
You ma
th¢yJs8 to indude further siatements where r￿evant about..
Ourfour foufiillnq churche8.'
o St Mary's Honley
Trfnlty @ 4
o Chrl8tchurch LIR
o H¢nley Baptlst Church
Our assoclatod partner church••:
o St Nlcholas Remenham
o Sacred Hèakt RC. Hon
o St Mary'8 Wafgrnv•
H•nley Town Coun¢ll
sO￿h Qxfordshlr• Dl•tslct c￿￿¢11
Honley Lion5
Allquando Chamber Cholr
The Anthtyry (T¢)nyl Lan•
Foundatltsn
Local ch4ritablo foUnth￿On￿ who
given anonymously.
Prfvat• IndI¥1d￿1£, Marry ofwhom
have cho8en to enhancè tholr
don&*iuns wlth Gfft Aid
The charity's prfndpal
sour(ss of fund$ linduding
arw fundT445inyl
Pw4 1.47

Structure, Govemance and Managoment
Descripth)n ol tharity's
trusts..
Type of goveming d(￿ment
I￿5
TYu•t D•od
Fbw is the charity
constituted?
125
CIO Charltablo Incorporated Oryanlsation
TnJstÈe Se￿tK)n methr¥Js
induding detsrf5 of any
(yJnstitulion8I pro¥A￿onS e.g.
ection to wst or narne of
any person or body Ènliued
to apry)int ono or IT￿re
Vu5tees
I￿5
4 of our 6 Trust￿ aro the Church
leadors from our foundlng churches.. St
Marys H•nley. Holy Th￿￿ty￿rin1ty @4
Honloy. Honlèy Baptlst chU￿h and
Chrlstchurch URC. Henley
2 othttrTrustees arè r¢tlrod bu51no85rn0ft
l ¢hurch memb•rn
All our Tru8t•e8 ar• unpald ¥oluntqgfS
Addltlonal Info￿atIOn loptlonall
You ma
oosa to indude further statom8nts wheTe relevant aboLrt'.
Wg are afflllatod wlth the Natlonal ¢harlty
"Chdstlans Agaln8t Pov•rty- wh¢r•by w•
makè 09r••d monthty p•yrnonts and
r•celvo In r•tum
11 8888ntlal suP￿rt fof th¢
recrultmenti tralnlng of our staff
21 8peclall8ad FCA rtyuwd
finanGlol adv1¢* to aS51st the
r•tt•ootlaWon I r•solullon of our
D￿1 Cl￿. Ilnan¢l•l i¥¥u•s
31 8podallsod tsa4nlng materfals to
holp run our Job Club and Llfe
Skllls l Monoy Management
¢ourn
The Charitys tyganisatKwl
5trJcture and any wder
F*7 1.s1
charfty wot*s
Our start-up was supported by 2 loul
charltiés who Id•ntffied th• nèèd for
SPBriali58d dvbt assistsnco:
11 Cltlzons AdvlG•
21 Nomad
Relatk)nthp wsth ary rel8tsd
patties
1.st
B4)th ¢harftt•s now r•férdl¢nts to u
ours•rvlc88
Refor•n￿ and Admlnlstratlvo dotalls
Ch8ri
narr
ther name the c
H•nle
Henle
on Thamos Churche5 Debt Centre
Debt Ce￿tre
e$
number
1199558

CharlW$ PlinGipal address
2 NORThFIELLI HOUSE
11. NORTHFIELD END
HENLEY-ON-THAMES
RG9 2JG

Nam•¥ of th• Charlty trust•es who man•gp th• chawlty
Oth•lWanyl
••(
Rov Jeremy
Taylèr
Rov Samuel
Brewthr
P•stor Joanno
Bray
R•v Glyn
Mllllngt¢)n
Terence Grourk
Chalr
Francls Goodwln
Trea5ur•r

Dgclarations
Tho trutst••s d•eF¥t that th•y h•v• apwo¥•d the tru8tse8' r*port al)ov8.
Slgnèd on behalf of thg ¢harity'8 tru
8lgnalur•lg1 K
Full nam•ls1
Rèv J•rnvny T4yhr
Posltlon l•¥
S•Grvtsry. Chalr, otcl
Chair

DEBT
t19955B
CHARITY COMMISSIO
FOP ENGLANO AND WAIE
HEFUYONThAMES¢HURCMES
CEp¥fRE
CC16a
Recei
ts and payments accounts
Fortha period
01￿U1-23
24
Section A Receipts and payments
Unrestricted
fttn¢J8
Restrictgd
funds
EndowmeDt
fundè
Totsl funds
La$tye•r
A1 Receipts
GraniÉ4nddunalion
Churt￿5
ljher
212
9.60J
1.59E
19,392
401
jU￿GI¥￿9
Gmss in(x)m&
AR}
287
96387
A2 Asset and Inv•sbnent Sales.
{se•tablel.
ub totsl
9&267
8fj.287
A3P
st&ff
c￿(￿li0￿t0SIaff Nthmal 1Th¥￿￿nce
dPèns
•nts
31733
JiTJJ
4,310
310
CthebansAwnst
2.270
Pov¢ty
1.186
Banktha
F￿ndra￿l￿ C(uts
siattinrutrtsd el￿nS•S
Atthwnt8ntyse￿1C•s
1,933
3.795
11055
Sub totsl
63,796
A4 Ase•tand ImieBbTrlént
urcha$eG, tabl•l
Sub totèl
f&O55
Tolalp8yments
63.795
65.796
NetolreceIp￿{payMaftts}
A5TronsfgT¥ funds
A8 C*h lund$14st wr end
Cash funds thlsyear end
3147
32.47
32.380
31388
32.388
86Q
32.3•8
1810312025
CCXX R1 accounts ISSI

Section 8 Statement of assets and liabilities at the end of the period
Umrestricted
funds
J nqartst£
Restricted
funds
to Trw¥rpstÉ
Endowm•nl
funds
to noafȥE
Iti ri)ri
B1 Ca8h fund8
Cash * bank." ￿[reTht aeAaWrf12023
£32.3881
CB5h It b￿k dèp05ht awount12W23'
£0
Totsi cash funds
6i860
xzthlSTri
l1￿r￿trict0d
funds
R¢8tricted
nds
End￿￿￿￿nt
fund
B2 Ol￿rM0￿e￿ry assets
D¢btor for2U22123tsx on
D8bi¢rbr2ff23124 0xdaiM dutron
GillAid
Opblpl fof6P¥rf lo JQ 2024tsK
d#lM dueW GIfiAWJ
Fvnd to*thl¢h
Cr￿l￿rA>
B3 Investment a568ts
Fundtowth￿h
•9At
C￿*(rFliWI1
onBI
B4 Assets retslned fort
charlty's own use
FU￿t0￿J￿Ith
Iva￿1
rEIèts&
Unrtgtwted
B5 Liabllltles
Cfèdkoifty tt0stB
{3023. £7.4011
aff inujrreo
4.101
Dats of
al
s*nBdby0n@￿ t￿trUSte2S0n
ehJVolaltsltLtyie¢s
Signalwe
Print Narne
J8teryChatksTafvi
2S
oJ12C
f 103
Frantss Dornlfmc Gorthn
1610312025
CCXX P2 w￿￿nts(s81

Independent Examlnerfs Report
to th8 Trustees of the Hentey On Thames Churches Debt Centre
on tha accounts for the ye¥r 8nded 30 Juna 2024
as set out on paoes 1 2
Respective responsFbilities of trusteès and exarninar
The members of the PCC, a¥ chsritytru5tEe5, ore wponsible f￿ the preparÈtiM of t￿&(count8
TIw¢or6￿￿rU￿ an is not r4uiredforthis yearundw Sect￿n 144(21 of the
ChaiitièsAcl 2011 lthèActl. and Ihjl an I￿8p•￿ent examination r6 n*ed.
It Is my r88fN)nsibility lo
exarninethe 3ccouDts (v￿￿88¢t1￿ 145 olthe Ad,
Idl(￿ the prI￿￿ureS d(vm In me G8nerai Dirticb(Khts gKven by IheCh¥ty convn￿S￿n (under
sethn 145 {51 Ibl of $nd
lo stattwthther partKuLfrm8tters hwecometo my atl8ntK￿.
Basis of indop•ndent 8xaminer's statem8nt
Yex￿lnatIoTr￿5 in a¢￿48r￿e￿1hthé GÈnw81 oli¥1￿n5 giveTr bythe ChatityCommi58K)n.
AD exa￿￿￿￿19￿ I￿l￿deS * re¥￿wor the accountiry records kept bylhe ¢hvrth
¢tsnpaiison of thè accounts presented with those re(￿r￿S 1131so in¢lL￿e$ consideratb)
of uDu8ual rterns or di8cbsures In the accounts. and See￿n9 expl￿abOn5 hom
thp *andino ¢trnMrt￿ of Ihe PCC c1￿(￿Ming such matters.
Tha prO*￿re$ wden8ken do notprowde ￿1 Ihe 6vidwftsihai be wuired In a full
audrf. And congdqU2nUy noopinion is grwÉn a#towhelkprth9 aLtounls wesenla IrueaDd fairf v
and th• r•port 1% Ivnit9d tothosè maltws setout in the statÈment L￿￿
Ind•pandent examinerfs ststsment
In coine¢t*?nwth rnyex4mifi8b￿. no m*ter h88¢￿810 my
1 whlch giv&s me reasts)ats￿ believe thal In any materlal re5peGt. the
the requiremerts"
tokeep proper ac¢ourting rxcrfda ore k•F4 {in ￿#r￿• with #ectb￿ 130 ofthpAGtI
and
to prep8re account$wh￿h accord wtth th8 8ccounting records and ¢omp5ywith
Ihe accounting requirem8nts oftht Act have not bpen tneL
or
2 lo*fiKh, in rny0pin1￿. attent￿Tr sh￿Id be drown inot(*rtO￿2b]e ¥Lwoper
undetstanding ol Ihe arLourtslo be react￿￿.
3lgned.'
klarth 2025
3rn8-.
Mr Robert L Somers FCA
Relevant prof￿10￿&1
qual11￿10n(S) orboty I
•nyl'.
oflhe In¥iule ofchartetsd A¢court￿lS in England and Wales
Address..
121 Mothl Vi
￿￿1&Y on Thatnes
OxFordshife
RG9 2HD