**Trustees Annual Report 2024/2025** ## **Supported by** Azeem Amir Gemma Hird Amanda Holt Hassan Butt Daniel Stoker Since receiving charity status in early 2023, Learn With ESS Foundation has been actively building relationships within the local community to identify and support future projects. Although we haven't yet secured external funding, we've prioritized ensuring our policies, plans, and volunteer practices meet the highest standards to facilitate future success. The Foundation's trustees meet regularly to discuss progress and plan for the coming year. Our first year of operations has provided valuable experience and positioned us to pursue new opportunities in the new year. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Jan 24- 31 Jan 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Feb 24- 29 Feb 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Mar 24- 31 Mar 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Apr 24- 30 Apr 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 May 24- 31 May 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Jun 24- 30 Jun 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Jul 24- 31 Jul 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Aug 24- 31 Aug 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Sep 24- 30 Sep 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Oct 24- 31 Oct 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Nov 24- 30 Nov 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Dec 24- 31 Dec 24 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves. CLUB AND SOCIETY MONEY LEARN WITH ESS FOUNDATION 29 DUNSTER AVENUE, ROCHDALE, ROCHDALE OL113RD Account number Sort code Statement date 29967441 0&02-00 01 Jan 25- 31 Jan 25 No transactions found for the period Important Informalion about compensation arrangements We are covered by ihe Financial SeNices Compensation Scheme (FSCS). The FSCS can pay compensation to deposilors if a bank is unable to meet its financial obligalions. Your deposil is covered by the scheme. Details on the proteclion of eligible deposits can be found in the information sheet and deposits excluded from the scheme can be found in ihe exclusion list which can be oblained from your local branch. For further information about ihe compensation provided by the FSCS, refer lo the FSCS website at www.FSCS.org.uk. Interest rate Informallon Arranged Overdraft interest rates apply to the amount of any borrowing, up to your Arranged Overdraft limit. Unarranged Overdraft interest rates apply to any borrowing which is the result of our agreeing lo a request from you for a temporary Unarranged Overdraft or temporary increase to an existing Arranged Overdraft to cover a payment despite lack of funds. Interest rates applicable during the statement period are available on request, please call the team at Virgin Money on 0800 1217365 or +44 1412217300. Dlspute resolutlon If you have a complaint, please lalk to us first so that we can try to resolve it. If you are not happy wilh the way we handled your complaint or the result, you can then refer the matter to the Financial Ombudsman Service. The Financial Ombudsman Service is an independent organisation that helps resolve complaints that customers and financial institutions haven't been able to solve themselves.