Kington St Michael
United Charities
REGISTRATION NUMBER201283
ANNUAL REPORT AND
ACCOUNTS FOR THE
YEAR ENDING
31st DECEMBER 2022

Kington St Michael Unrted Charities
Charity No 201283
Trustees Annual Report for the period 1st January to 31st De￿mber 2022
1) Princi
l Office
Laundry Cottage
84a Kington St Michael
Chippenham
Wilishire
SN14 6JA
2) Trustees
The names of the Tntstees serving when this report was approved are as follows..
Mr Geny Gamble (Chainnan)
Mrs Bart)ara Fenner
Mrs Linda Reynolds
MrAdam Allen
Mr John Hall
Mr Michael Lees
On the 31st May 2022 Mrs Julia Hall resigned as a Trustee.
31 Governance
The Charity is currently unincorporated. .
A trust deed vras sealed by the order of the Board of the Charity Commission on 1 st
October 1957.
Kington St Michael United Charities is fequired to have one Trustee from the
following bodies and Iwo COW Trustees.
Kington St Michael Parish Council (MT Gery Gamble)
Kington St Michael Parochial Church Council (Mrs Barbara Fenner)
Kington Langley PaTish Council (Mrs Linda Reynolds)
Kington Langley Parochial Churth Council (Mrs Julia Hall-unb'l 31st May 2022)
Cwpted Trustee (MrAdam Allen)
CoThOPted Trustee (Mr John Hall)

ectives and activities
The purpose of the Charity is to proV￿e housing for the elderly and needy. The main
activty of the Charity is to maintain the nine Almshouses lo a high standard.
The Charity also offers allotrnents to members of the public in the village and also
from the surrounding area.
There were no new residents in 2022. h(P•￿Ver rt was necessary for a resident in No.
71 to move into a care home leaving one vacancy.
In June the resident of No 20 vacated propety. The Trustees had numerous
discussions on whether this propety suitable as an Ajmshouse or whether it
should be rented out or sold. the funds then being used for the benefrt of the
remaining Almshouses and repayment of any outstanding loan. Research was
cairied out as to whetrEr this was pemirtted.
No. 20 was rented out and on 5th Novembei new tenants moved in.
Re
airs and maintenan
A complete refurbishment was carr￿d out in the vacant Almshouse. No. 71.
Redecoration and carpeting throughout in No. 73 was completed.
Major renovation work commenced in August 2022 on Nos. 82182a' this being an
extensive refurbishment of the whole house. In order to carry out this vlork it was
necessary to have an increased loan from the Charity Bank. All works were
completed at thè end of 2022.
Educational
rants
The Charity has in the past offered educational grants but no grants were awarded
in 2022.
Public benefft
The Trustees confiryn that they have had regard to the guidance issued by the
Charity Commission on public benefft.
S) Financial Review
The charty was in a reasonabty healthy financial position as at 31 December 2022
as, at this date, £69,611 v￿S held in cash funds. Whilst there is no written reserves
policy, the charrty musl always have funds available for S￿nffjcant repairs to its
properties. The rnajorty of the properties were buift in the 1600s and are therefore
expensNe to maintsin.
The chanty's main Sour￿ of income is a maintenance charge paid by the residents.
In 2022 the charity received £51.133 £47.199 from this source, which was 95.50/0 of
total income (2021- £47.199}. maintenan￿ charge income was up there were

vacancies in 2021. Othef income is deTTved from allotment rental £631 (2021- £628)
and dividends and interest £216 (2021- £205).
The Charity Bank provtrjed a loan facilty of £200.000 in 2020 to pay for wotks on
20121 Kington St Michael. works on other properties arKI to repay the previous loan
from Lloyds Bank. In May 2020, £138,305 ¥Yas drawn down, to be repaid over 20
years. and as at 31 December 2021, the balance was £130.217. Further drawings
from the loan facilty of £132,721 were made in 2022 to pay for worf(s on 82182A
Kington St Michael. The balance on the loan account as at 31 December 2022 was
£256,875.
A legal chaTge has been placed on 20r21 Kington St Michael in favour of the Charity
Bank.
6) Serious Incident
The Charity Commission has rules in pla￿ for the reporting of serious incidents,
which indudes loss of the charty's money or assets. Unfortunately, as set out below,
the ChaTity was subje(# to a serious incident in August 2023. Although this did not
occur in the peri(Kl covered by this report, the Charty consmlers it appropriate to
bring this to the attention of reajers.
The inadent has been reported to the Charity Cornm￿10n by the Charity's
Independent Examiner but the Charity ts yet to do so.
The charity received an invoice from a supplieT, which the Chainnan fO￿arded to
the Treasurer for pa￿nent. This was a legitimate invoice and was therefore paid.
Subsequently, the Treasurer receNed an email, which appeared to be from the
Chairman, which contained another invoice for the same amount but with payment
details for someone other than the supplier. Despite this, a further payment of
£3,340 was made. It appears that a third party had managed to access the onginal
email containing the legrtimate invol￿. amend the payment detsils and resend it.
The Treasurer confimied to the Chairman that payment had been made. at which
point rt became dear that the chafty had been the victim of a scam.
The fraud was reported to ts chawiiVs bank and Acts'on Fraud but the chaiity was
told that no action could be taken as the fraudulent payment arose as a result of
single point of failure i.e. the Treasurerfs failure to check the bank detsils.
A new control has been agreed vknereby the supplier will be contscted to confimi
any change of bank detsils or where payment is requested to be made to a third
party.

Declarations
The trustees declarn that they have approved the trustees. report above.
Signed on behalf of the charity's t￿￿tee$
Signature
Full name
Position
Data

Report to the Trustees of Kington St Michael United Charities
(Charity number 201283)
On accounts for the year ended 31st December 2022 as set out on
pages 6-7
Responsibilities and basis of Yeport
I report to the trustees on my examination of the accounts of the above chanty Trustl for the
year ended 31 St December 2022.
As the charity's trustees, you are responsible for the preparth.on of the accounts in accordance
wrth the requirements of the Charities Act 2011 (Ihe Acr).
I report in respect of my examination of the Trust's accounts carried out under section 145 of the
2011 Act and in carrying out my examination, I have followed all the appluble Directions given
by the Charty Commission under section 145(5)(b) of the Act.
Indapendont examin•rfs statement
I have completed my examination. I confirm that no material matters have come to my attenb.on
in connection with the examination which gNes me cause to believe that in, any material respect."
the accounting records were not kept in accordancE with section 130 of the Charities Act. or
The accounts did not accord with those records.
I have no concerns and have come across no other matters in conf￿Ction 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 b 644 (ts￿￿ 2uL4
Kevin Henderson
7 Kyneton Way
Kington St fvlichael
Chippenham
Wilts
SN14 6RF

CHARITY COMMÈ5510N
FOR ENGIANO Atr4D WAI F5
Kington St Michael United Charities
201283
Receipts and payments accounts
For tho
01-Jan-22
To
31-D￿22
Section A Receipts and payments
Unrestrltted
hjnds
fund5
Total fvnd6
La8t yur
Al Ro¢elpts
51.133
831
47,1
6Jt
RemtyxiKSM
Sub totsl(Gross incom& forARJ
A2 Assot In¥•¥tsn•th 8alo5.
Isee tablel.
I8￿7
tot4
131••J
Tot•1 r•Wts
18,847
A3Pa
ment•
310
L¢•D irtww¢
6,701
701
20N65
8.867
20.839
1.080
1.962
R¥￿￿￿0￿ rnaD*n
141241
1.321
IA13
1,Z71
89 Sl
Cmher
1n.102
42M03
A4 As￿1 and Inw•tm•nt
urch8￿, lset tsbl•
5.32•
Sub total
48,132
N•tof r8ee1p￿(yYmeftts1
A5 Transtsrn between funds
Afj Cash fund5 last year end
Cash funds this Y￿rend
l150
2.160
STA61
69,611
67A61
59.611
66,746
67,46
Section B Statement of assets and liabilities at the end of the period
un￿t￿rted
Restricted
funrls
by r￿rnt£
Endowment
funds
to Theale￿£

B1 Cash funds
Tglal cash fvnds
69.611
nds
trj n•4M*t£
D￿811$
¢wr•ntvdu•
Details
83 Investment ags•ts
Glwmcw Ly
4OJ13
G (WCF)TVIP
Fynd towh
D•talls
84 AS￿lS rètalned for tho
¢harity'8 own usè
du•
DÈ1211s
85 Uabllltl
2S6,876
S*ned try0neorh1vtrL￿ bth4f(
811 the Iiustee5
SKJnatur•
Pnnt Narne
Dato of
roval
Gerard Mala
Gamble