Trustees. Annual Report for the period
Peri(xJ start date
Month Year
21y23
PeriLxJ end date
M¢)nth
Year
2024
From
01
To 31
Section A
Reference and administration details
Clmrfty name
Cardmoon. Cople & Eastcotts Chanty
Other names charity Is known by
Registered charity number (rf anyl
210585
Charitys prlnclpal address
30 Water E￿1
Cople
Bédford
Postcode
MK44 3TY
Names of th• charlty IN8tees who manag• the Chartty
Trustee name
l)•tes ac1￿ 11 fry**￿•
N*ne of person lor body) entlll•d
nt tru$*•
Southill Estate
St Mar￿5 Cardington
Cardington Parish Councll
Cafdington Parish Council
Cople Parish Council
Cople Parish Councll
Easlcotts Parish Council
Eastcotts Parlsh Council
Bedford Borough Councillor
Cotton End Parish Council
Cotton End Parish Council
Charles Whrtbread
Rev Fr Paul Messam
Ctroptative
Ex Officio
LE.03.08
I￿￿22
01.09.05
Aran Apling
Ajan Nothard
Lesley Cole
David Small
Paul Goss
CoSin Cabom
Le￿h Coombs
Angela Stimpson
Lesley Seymour
Councillor
Cardington PC Rep
Cople PC Rep
CounciNor
14.01.15
18.03.13
15.07.19
09.11.20
Councillor
Councillor
Borough Councillor
Councillor
Councillor
05.(￿.23
10
29.06.23
11.07.19
12
09.11.20- 1(￿￿23
13
14
15
16
Names of the trustees for the charlty, 11 any, {for example, any custodlan trnstees)
Name
Dates acted If not for whole
ar
The Charity is the Custodian of ewm
L1IR) 210.585. AJ1
named CharIt￿S as stated in the Scheme
Names and addresses of advisers (Optional inlorniation)
TAR
Mar¢h 2012

e of adviser
Name
Address
Name ol chlef execullve or names of senior staff members (Opdonal inforniation)
Section B
Structure,
overnance and management
Descrfptlon of the clmrltys trusts
L1{R) 210.58S. AJ1
Scheme including appointment of Trustees and Nesting in Official
Custodian for Charit5es
Typ6 of goveming document
Hcm the charity is constituted
Iru
Trustee selection methods
Ex4)fficlo Trustee Re¢d Fr Paul Messam. Team Rector, Elslow Abbey
& ElslN Team Ministry. Assistant Aréa Dean of Bedford
Nominative Twstees
Bedford Borough Council (1)
Cardington Pansh Council {2)
Cople Parish Council (2)
Eastcotts Pansh Council {2)
Cotton End Parish Council (2)
Co-OPtaOve Trustees- persons residing or carryirvJ on business in or
near Ihe area of benefit {2) Charles Whitbread
Fi￿1 G
Ne Trustee SI￿11 be enh'tted to hold office forlife
Addltlonal goveman¢e Issues (Optlonal Inforniation)
You may choose lo include
The Chanty is a mernbef ofthe Aknshouse AssoCiat￿n
additional infonnation. where
relevant, about..
pOI￿leS and procedures
adopted lor the induction and
training of trustees.,
the charty's organisational
structure and any WKler
nelwork with which the charity
works;
relationship with any reFated
parties.
trustees, consideration of
major risks and the system
and procedures to manage
them.
Trustees are nominated iy local Parish Councils, Cardington. Copie,
Cotton End and ShOrtst￿n. Trustee meetings were held quartety in St
Mary's Chwch.
Member of the A]ms￿USe Association
Annual propoty inspections take ￿aCe by Trustees and Clerk
5 year e￿r￿al inSpect￿)nS are c*ried out by commerual ele￿ncianS.
Annual inspection of smoke alamis are inspected by one nomlnated
Trustee and C￿￿k.
Some prOpert￿S have smke akgmis connected to the mains - in 2024 all
prOpert￿S will be connected in this way
TAR
March X)12

Section C
Ob'ectives and activities
Summary of the objects of the
charlty set out in its
governing document
Cardiryton. Ccf>le & Eastccrtts Chanty is the Official Custodian of 8
Charities as listed in the Charity's Consttiution. The eigm charrties relate
to the 8 Amshouses srtuated in the Parish of Cardington, Bedfordshire.
Summaryofthe maln
O¢tivities undertaken for the
public benefit in relation to
Ihese objects {include wlthln
this se¢tlon the statutory
declaration that trustees have
had regard to the guidance
Issued by the Charity
Commission on publi¢
benefft)
The qualification of almspeople -The almspeople shall be poor persons
who (except in special cases to be approved by the Commissioners) are
resident in the area of benefft at the time of appointment.
Applicants are requested to Complete an appk'cat￿n fomi and attend an
fom￿1 interview..T￿Y are also required to sign and abide by the
Conditions of ResKlency.
Residents are requKed lo pay a weekly maintenance contribution (WC).
This Conlnbution goes lrywards the maintenance. upkeep. and
managemerrt of the 8 pmperties. The WMC is reviewed each year
seekin
adwce from the Valuation Office A
enc
Addftlonal detalls of obiectlves and actlvilies Ioptional Inforniatlon)
You may choose to include
further statements. where
relevant, aboul..
pollcy on grantmaking-
policy programme related
investment"
contnbulion made by
volunteers.
Section D -
Achievements and performance
TAR
2012

Section D
Achievements and performance
Summary of the main
achlevements ol the charity
during the year
Roof work at The Green to the four prOpert￿S ¢arried out.
R￿Jtlne Property Mainlenanc8 Total for the year 8mtyJnted to £14,154.15
Section E
Financial review
Brlef stalernent of the
charlty's pollcy on reserves
The Chanty ￿)IdS reseprfes as follows:.
Emergency Repair Fund (ERM) Investments relating to the charities.
listed In the cOnstrtut￿n.
C￿lical Maintenance Fund {CMF) In Savings Account
Routine Maintenance Fund {RMF)
8usiness Reserves Account and
Liquidty Manager Account
Almshouse Loans
Repayments are made twirA a y88r, balance
outstarKJing al year end 31 March 2024- £34.125.00.
Loan 1 last fepayment 24 June 2028
Loan 2 18St repayment 15 Awl 2032
Detalls of any funds materlally
In deficit
Further flnanclal revknv details (Op￿onal Inlorniatlon)
You may choose lo include
addrtional information. where
relevant about..
the ¢harty's prin¢ipal
sources of funds (including
any fundraising)."
h¢yw expenditure has
supported the key obJectNes
ofthe charty.,
investment policy and
objectives including any
ethical Investment pohcy
adopted.
V¥e8kty Maintenance ContribUt￿n eiimc) for the 8 properties. The V¥NC
are revivwed annu81ty uslng the VOA to establish equivalent fair rent.
Key ¢)bJecdves- Annual prop￿ insptttions to vJentfy any
maintenance issues. in addition to day lo day issues.
Trustees invest £500 per month in M&G investments.
(7 named inveslments as ststed in the Charty Schedule are increased on
a monthty basis by £50 per Charty. in addition to £150 per month to the
Emergency Repair Fund).
TAR
March 2012

Section F
Other o
tional information
Section G
Declaration
The trustees declare that they have approved the tfUStees' report above.
Slgned on behall of tho charity'* trusteos
Slgnature(sl
Full name(s)
Posltlon leg Secretary, Chalr.
ètc)
Sandra Margaret Thacker
Clèrk to the Trustees
Dale
l(
TAR
March 2012

CARDINGTON, COPLE &
EASTcorrs CHARITY
Charity CommiBsion R•glstrnlkn: 210585
ANNUAL REPORT
& ACCOUNTS
YEAR ENDING
31 MARCH 2024
CHAIRMAN OF THE TRUSTEES
MRS LESLEY COLE
24 Woodlands Close
Cople, Beds MK44 3UE
Appolnted 15 8eptemb•r 2015
CLERK TO THE TRUSTEES
Ilrs Sandra Thacker
30 Water End
Cople Beds MK44 3TY

TRUSTES OF THE CHARITY
CO OPTATIVE TRUSTEE
Mr Charles ￿Thrtbread
SouthiH Pa
Bwgleswade. SG18 9LL
Appolrted 06.03.08
EX OFFICIO TRUSTEE
Tho R•verendFather Paul Ilessam
Rector, Elslow Ablw & Elstow Team Mlnlsty
Assistsnt Arna Doan of Bodford
14 Jun• 2022
NOMINATED TRUSTEE8
BEDFORD BOROUGH COUNCIL
Counclllor L•lgh Coom
29.06.23- 28.6.27
CARDINGTON PARISH COUNCIL
Mr Alan ApliThJ
8 Yeomans Gate
Cardiwon MK44 3SF
Appolntèd 01.09.21 - 31.08.26
Mr Alan Nothard
10 Yeomans Gale
Cardington MK44 3SF
Appolnt•d 03.07.23- 2 Juty 27
COPLE PARISH COUNCIL
PArs Lesley Cole
24 Woodands Cb8e
Cople
MK44 3UE
Apwnt•d 18.03.21- 17.0125
Dr David Small
29 Watsr End
Cople
MK44 3TY
Appolntod 12.05.23- 11 May 27
Co￿ON END PARISH COUNCIL
Mrs Angela Stimpgc
7 Manor Way
Cotton End
Bedlord MK45 3AH
Appoinl•d 10.07.23- 09.0727
Mrs Les* &ymour
14 Trow Close
Cotton End
8edford MK45 3BF
Appolntod 11.06.19- 10.06.23
SHORTSTOWN PARISH COUNCIL
Mr Colin Cabom
253 Old Harr￿￿den Road
Harrowden
Mr Paul G088
2 Chamberfain Way
Shortstcvm
MK42 OTB
Appolnted 05.06.23- 04.06.27
MK42 OGN
Appointed 09.11.20- 08.11.24

ALhlSHOUSES
THE GREEN AIK44 3TE
No l The Green
Constructed 1780
Sum insu￿* £283,295
Listed Buihjing Grade11
Reinstatement costs £246,344..4XI
OccupEd from 15 September 2022
No 2 The Green
Constructed 1780
Sum insured £319,375
Listed Building Grade11
R81nstatement costs £27T.718.00
Occupied fr￿￿ 8 August 2022
No 3 Tho Gre•n
Constructed 1780
Sum insured £2T6.614
Listed Building Grade11
Reinstatement costs £240.534.00
OCCUp￿d from 01 &DriI 2017
No 4 The Green
Constructed 1780
Sum insured £295,322
Listed Building Grade11
R￿n$tatemen1 costs £256.802.00
Occup*d fr(m 1 Septemb8r 2014
JUBILEE co￿AGEs MK44 3SH
No 1 Jubllee Cottag
Construoaed 1978
Sum Insur8d £178.2
Reinstatement o)sts £181,000.00
Occupied frc¥n 20 April 2015
No 2 Jubllee Cottag
Constructed 1978
Sum Insured £178,250
Reinstatement costs £181.000.00
occup￿ from 25 Feb￿￿ry 2022
SOUTHILL ROAD MK44 3SZ
No 1 southill Road
Constructed 1830
Sum Insured £208. 150
Reinstatement o)sts £155.000.00
Ck¢u￿ fr(Mn 15 October 2022
No 2 Southill Road
Constructed 1830
Sum Insured £208, 150
Refftstatem8nl costs £155.000.00
C*cupied from 1 December 2022
NB Rebuild costs as per Rokn"nson 8 Hall January 2023.
Chanty Brokers have rec#)mmerKJed that rebuild (x￿ts slM)uld b8 reviewed every 3 year5.
Next review wll be 2026
VAT not ind4W in the abo￿ rebuilding costs (In ￿l￿dan￿ T*thh the HM Customs & Excise guidance
notes).

CARDINGTON COPLE AND
EASTcorrs CHARITY
Ythv End 31 Al¥ch 2024
The 202>2024 set of accounts have been wepared on a rec*ipts and payments basis.
Finance
Income vms areater than expenditure.
Balance at Bank at 31 March 2024
Balan￿ Resetve Fund at 31 March 2024
Balance at Virgin Savings Account
Ba￿￿￿8 at LNJuidty Manager Account
£4.218.44 Routine maintenan￿ Fund IRMF)
£10.046.04
£20.465.50 Cyclical Maintenance FurKI (CMF)
£25,294.04
IMAC - Residents a￿ paying their contribut#)ns on the 15th of each month via 8tarKllng order.
One Resident pays the ￿c weekty.
Loan arrangement Tmth th• Almshou8• As8oclatlon (AA)
Loan 1- The existing A4 loan vms arranged in May 2015, the loan repaymenl is £1,312.50 at six
monthty inte￿81$ in June and December by standing order. Outstandiw at year erKI- £11,812.50
Loan 2- The second AA Loan vras arrdnged m 2021. £1,312.50 to be pald at stx mrrthty inter¥als
In October and April each year. Outstanding at year end- £22,312.50
M&G Inve8tsn•nts as at 31 March 2024
Investmenls currentty stand at-
£34,160.44 Investments Iwrrtten notice required for withdrawals).
- wthin th￿ r￿Ure ￿ £11,030.Ix) {E￿￿er￿ Repair Fund IERF).
Trustees commit to investing £500 per month frwi the Current Bank Account via direct Debrt
to the Investment Fund. Tolal invested in this finatKial year £6,000.
Agreed by the Trustees- £5,000 to remain in the current account and £10.000 in the Bank
Reserves A￿Ount. Monies over and a￿ve this am￿nt are to be derM)srted in the 95 day notice
Liquidty Account with £20.000 to remain in the 30day notice Account.
Repalrs, Maint•nance and Refurblshment Costs. for 8 Almsh(WS￿ for the year ending
31 March 2024 totalknl £14.154.15
Sandra Thacker
Clerk lo the Tn￿tee$
Cardington Cople & Easlcotts Cl
June 2024

Year ondad March 2024
March
2023
March
2024
In¢om•
Wklc 1 The Green
WIAC 2 The Green
WMC 3 The Green
MIC 4 The Green
No 1 Jubilee Ccthges
C No 2 Jutslee c￿e8
IC No 1 Southill Road
C No 2 Southill Road
Loan last tranche
Refunds- Courril tax ar¥J Bank eThor
GRANTS
TV Licence re No 2 TG
WMC ERROR No 2 SR
Refrjnd from Flush and F
3,832.7T
4,109.91
7.279.92
7,280.(K)
6,759.96
7,695.96
4,864.35
2.239.69
1,994.30
1,524 07
S.￿0
6.557.32
6.557.32
7.756.62
7,75100
6,976.66
8.046.86
7,800 00
6.600.00
0.00
$28.66
0.00
61,227.15
1￿.00
58 147.78
Expendllurn
Transfer
AA Loan repayments June and Decerr
mslK)use Asscc Met)knershp
Independent Examiner
Propety InSurar￿e
Ckfk's SaW and PAYE
Cknk's MileageFo8tag*Expen8e$
Annual Be￿VOlence
Repairs and Maintenarth No 1 The Green
Repaws and Mainlenance No 2 The Green
Repan and No 3 The Green
Repairs and Maintenance No 4 The Groen
Extemal at No 14 The Green
Repair5 and Maintenance No 1 Jubi190
Repan and Martenano No 2 Julx"kè
Repairs and maintenan￿ No 1 Southdl
26,000.00
5,250.00
206.00
126.00
1,19094
9.552.22
670.77
S.250.IJO
343.00
126.00
1.276.13
6,531.92
285.36
425.00
20,097.10
7,860.81
2,495.￿j
2,468 80
395.00
124.99
1,209.00
400.00
2,188.20
2.513.20
3.702.60
3,273.20
288.00
253.00
248.1)0
19.557.04
577.95
19,486.10
Repan and ma￿tenarte No 2 Southill
858.00
528.66
Reimbursemvrt of VAIC
JUb￿ee Car Park grass
Funds to M&G Invesbi)ents
Extemal Payroll Servwi
TV LKence paid on bghalf of No 4 TG
Propety Reinstatements
IMIC RambLYSeM￿ of WC No 2 JC
0.00
270.00
6,000.00
72.00
,000.00
54.00
0.00
935.28
0.00
123.942.93
41715.78

STATEMENT OF ASSETS &
LIABIUTIES
ASSETS
Robinjon &
Hall Propoty
Rgbulld
figurns. 12 PAay
2023
insured to Sum Insured to
2023
June 2024
. Fix•d Assets
1 Green
2 The Green
3 The Green
4 Green
1 Jubilfje Cott•Jes
2 Jukn'lee Cottages
1 Southill Road
2 Southill Road
d adioin*)g
1-2 Jubilee Cottages 4
246,344.1)0
277.718.1)0
240,534.00
256,802.00
155,000.00
155.000.00
181,000.00
181,000 00
238,900.fy)
233,992.
241,260.00
257,248.00
148.244.00
148.244.00
136.618 00
136,618.00
283,295.00
319,375 00
276.614.￿)
295.322.CKI
178.250 00
178.250.00
208,150.00
208.150.00
1.00
1347W7.00
1,693,39&00
Tolal
1,539,125.00
Non-curw•nl A$￿ts:.
N•xt
r•ln8tstem•nt
2026
M&G Investments as at
314lar-23
314Aar-24
N8t#Yl81 Assoc*t￿n AlmslKwses Common Inveslmenl Fund
Shar•• - V*lts• as at 31 M•r¢h......
2023
Th￿$ Fw8ter Eld•r
2.378.05
Humphery Hathton
2,482.03
Vldows Charty
2,393 34
Rev Maurice Farrel
2.285 13
2,356 41
3.345.01
2.320.77
8,567 74
26,108.48
2024
3,168.34
3.257.74
3,18462
3,069.43
3.145.30
4,197.64
3,107.37
11 030.00
Samuel Whitbread
itemans Charity
Emwgerw Repair FWKI (Accumulat￿)
Currnnt 48Mts:.
Bank Current Account
Bank Reserve Acct￿rrt
Cyclical Malnterk7nce Fund (Vkgon alc)
LiquKIty Account
5,358 93
18.042.23
13.066.35
4,218.44
10.046.04
20,465.50
25.294.04
Currnnt Llabllltlos
Ajmshouse Assct Repaymeftts Loan 1
Ajmshcwe Repayments Loan 2
Mon4urrnnt Liabll
AJmSh(￿se Assoc outstarKlirvJ 1
-2,625 00
-1.312.50
-2,625.00
-2.625.00
-14.437.50
-24,937.50
-11,812.50
-22,312 50
TOTAL Ass￿ VALUE minus
Uablmtks
1558.388A9
2.024 528.96

hlAINTENA14CE 2023.2024
No l Th• Gv•o
TOTALS
11-May-
23
11 Guttering
17-ju￿rts 32 MrAs rerr¥)val freffl roof
31-j￿23
43 &ab8
&0￿-23
Tw prunirnJ
>JaTr24
87 DehumkJrf*i
29-Ja).24 ￿ R*plaC￿ RCD
31.25
735.00
30_00
149.95
786.(KJ
2 18820
Plo 2 Grn•
11-May-
11 ()tslng
19 To￿t
31.25
31-May-
17.Jul.23 32 M088 removal from rC￿f
2￿￿.23
39 Fk*h aNJ lknw dra
28￿￿23 41 FIu8h & Fbjw c8mw8
31-Jul-23
42 Por(* IW fftbros ret4acthl
31-Au*23 48 Dortw sur
28-Sepv23 57 Orain8
24)ct-23
58 Drw'n Spares
114)ct-23 62 Drainwo
114)OC-23 78 R•F4acwrerrt bathmcffi extrac*Y
12-W23 78 Final dran payn*nt
3-Jan-24
88 Del￿nId1￿8￿
735.CM)
2￿[
188.20
235
138r
128 Lkl
149 95
2.St3.20
0 3 Th• Gr••n
11-M8y-
23
11 lknriryj
28-Jun-23
28 Outside lap rewr
17-Juk23
1•n￿Val from rwf
31-Juk23
Hot water
21-S•p-23 $4 Re fix baTrBter
2748P-23 56 krtchoh lap
3125
I17.￿*
735.00
10.
144.
IILI
fkn.23
Tre• pTunir¥J
&Oct.23
81 BkKk r•lu
24-Nov.23 74 Ttylet Bknk Lq8t pay￿•
22.Jan-24 95 Réimtr￿r8ernent of 08Mmh
12-Jon.24 90 Rep1Xf￿ tr*el rnil in bafvolyn
I(>Fe&24 99 Meter ooboard
8-Fets24
98 W•5hiry lir¢ pc*t
583
1,CX)O.C
129.95
185.(Kl
25.fKI
3,707.60
No 4 Th• Gv••n
11-May-
23
314Aay-
23
18 Pestcontrd
I7-j￿23 32 Mcw ￿[r￿al frw rt*Jl
31-Juk23 43 R•moval
21-Sep-23 54 Re frx banister
6-Oct.23 59 Fe¢d for trees
6-0￿.23
Tw pruniThJ
ct-23
61 TO1￿ Block Tvfijrb
24-Nov-23 74 T￿le1 BkKk last t￿n￿l
3￿ar￿24
89 Dehumwjffiw
F&*24 98 Front garden repaire(I
11 Gutt•riNJ
31.25
132.
735.00
45.00
25.
108.C
576.
1,(￿￿.(KI
149.95
3 268.20
No 1 J¥blB• Coltsgo•
17-Ay23 47 ReFAaceTrwrteX￿rnal fan c(f+*fS
25.(Kl

3(kJan.24 97 ReFla￿ f
110 2 Jublee Coll•g8s
25-Juk23
Flush & Fk)w
17.Aug.23 47 Repl*ement extémd tsn ccr4•w5
31-May-
23
253.4KI
TOTALS
145 CK>
25.C(¢
230.00
No f Southil Road
17-Jul-23 38 Repla￿￿t cowl
2Wct-23 67 InStallat￿n of trickle ¥￿ts
12.08¢-23 83
140.C
149.95
No 2 Southil Road
tWr-23
tvainage probknn
2&Api-23
Kltchen wasle Y•pair
17-Juk23
38 Re￿ar￿n*￿t
2Kkt-23 67 InSt￿￿tt.0n of
677.95
275.[
288.0)
140.
B58.00
Th• Gr••n
t.23 80 Front ￿$he$ ort trjack
288.00
Jub51•• Car P•
4-May-23
10 Grass Cutting
1>Jvn-23 23 Gr889 CuttirwJ
2&Jun-23 29 Grau CuttJ'n9
1>Jul-23
35 Culling
2￿Au9-23 50 Gra81 Cuthng
2￿Ct-23 69 Grass Cutting
Nov-23
71 Grass cutb.ng
12-Mar-24 IOS Grass Cutb"r
Z70.1)0
EMD OF YeAR TOTAL
14 1￿16

I report on the accounts of the Trust forthe year erKled 31 March 2024. which are set out on the
following pages.
The charity's trustees are resporsible forthe preparation of the accounts. The ¢hariVs trustees
consider that an audit Fs not required for this year ￿￿ler section 144121 of the charÉties Act 2011 (the
2011 Artl and that an independent examlnati<>ryFS needed.
tt is my responsibilrty to_"
examlne the accounts under section 145 ofthÈ 2011 Art,.
to follow the procedures laid down in the general Directions gp4en by the Charity
Commission under section 14515llbl of 2011 A¢t- and
to stste whether particular matters have come to my attentlon.
Ba51s of Independent examlnerfs rep(xt
My examlnation was carrled out In accordance with the Reneral Directlons given by the Charlty
Commisslon. An examination indudes a review of the accounting records kept by the charity and
ompanson of the accounts presented wrth those records. It also include5 consideratlon of any
unusual items or disdosures In the accounts. and seeklng explanatlons from you as trustees
conceminR any such matters. The procedures undertaken do not provide all the eviden￿ that would
be requlred in an audit and Co￿eguentlY no oplnion is given as to whether the accounts present a
'tTue and falr view, and the report Is limited to those matters set out in the statement below.
Independent examlnerfs stst•ment
In connectlon with my examinatlon, matter has come to my attentlon..
111 whlch glves me reasonable cause to belierfe that in any material respect the requirements..
to keep accounting records In accordance wlth sectfon 130 of the 2011 Art; and
to prepare accounts whith accord with the accounting records and compty with the
accounting requlrements of the 2011 Act
have not been met; or
121 to which. in my opinion, attention should be drawn in order to enable a proper understsnding of
the accounts to be reached.
Sally J Gllpln FCC& A
S J Tax Umlt
The Old Stsble Holtse. 3 Woodlands aose. Cople, Bedfordshire, MK44 3UE
1610712024