D.l.A.L Great Yarmouth CHARITY NUMBER 299909 DIAL GREAT YARMOUTH TRUSTEE REPORT AND FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 MARCH 2024 Prepared by Carol Ramsden Date 18 December 2024 Prepared fDr DIAL General Information CEO Report... Mission Statement Public Benefits of DIAL. Vision forthe Future Achievements and Performance... Funding. Events.........-.-............ Chair of Trustees Report . Reserves poli¢y................ Accounts and Independent Examiners Report.............. -10 General Information Name of charity DIAL GTYarmouth Charity Registratlon Registered charity in England and Wales charily number 299909 Address Kingside 26127 King street, Great Yarmouth, Norfolk, NR30 2NZ- Telephone 01493 856900 e-mail info.@fjial-gr£aiyarm1uth.org￿k- Website ￿wW.￿l8.L-greA8 Y8rn￿LJth:0rg:.uk Trustees Vslerie PettiUChair- Stephen BowleslTruste8 - Paul Frosdick/Trustee - Penny Lindenttrustee - Roger Gowen/Trustee - John ClarelTreasurer Gilly Plumbtrrustee IResigned 2023.1 CEO Jo Howes Banking HSBC, Great Y8rmouth, 40-22-22. Accountant Carol Ramsden FICB PM.Dip, 182 Dell Road, Lowestoft, NR33 9NX. CEO Report Here al DIAL Great Yarmouth, we're passionate a bout offering support with money, bènefits, and debt advice to residents across Norfolk and Waveney. As a Financial Conduct Authority-registered charity, we respond to a round 10,000 enquiries every year. With the rising cost of living, we've seen even more demand for OL¢r services, so this year wè've created a 'Friends of DIAL, group. Thi8 group brings together volunteers a nd trustees to help us reaoh and support more people and strengthen our community collnections. We're also proud to be advocates for the Disability Contident scheme, and we were the first orga nisation in Gre8t Yarmouth to achieve Level 3 stalus. I n addition to our core services, we also coord in8te the Great Yarmouth VCSE Group, which was set up in 2020, and run a busy charity shop that provides local people with valuable tra ining and work experience. In 2025, we'll be celebrating8 huge milestone-our 40th anniversary! We couldn't have made it th is far withoLJt the support of our community. From April 2023 to March 2024, DIAL was also supported by a dedicated team of... 21 Employee's 5 Trustee's 24 Volunteer's Mission Statement "Our mission is to enhance thc quality of life for individuals across the Borough of Gredt Yarmoutlj and the surroundpng areas byproviding comprehensive money, debt and benefit advice togetherwith employmentandhousingguidance. We are committed to offering sxpertholistic guid8nce tailored to the unique needs ofeveryone, with a particular focus on supporting thos8 living with disabilities. Through our dedicated services, we aim to empower our clients, improve theirfinancial wellbeing. 8ndhelp them navigate the challenges they face in their daily lives. PubLic Benefits of DIAL DIAL provides free. impartial, and confidential advice for disabled and vulnerable people and their Carers in Gie8t Yarmouth. Services include benefit entitlement checks, assistance with welfare applications. and accredited debt advice from qualified advisors certified by the Institute of Money Advisors at Debt Relief Order level. DIAL is fully accessible and open to everyone. The office is locatp.d in the heart of town, snd offers outreach services throughout the Borough, covering both rural and urban areas at various locations. Vision for the Future During 2024, DIAL introduced a new strategic plan. This sets out the core prioiities for the organisation, helping it to effectively monitor and manage its resources and services. The plan provides a framework for achieving best value, supported by having the f lexibility to respond to com munity needs and rapidly changing events, such as those linked to pandemics, clim8te change, and the economy. The plan will support DIAL to achieve its overarching aim, which is to continue tD work with communities to break th8 cycle of poverty and debt. To achieve this, the plan sets out three priority areas of work. These focus on early intervention, providing good quality and responsive 8dvice, and progression through volunteering, training, and work. Progress made towards deliveri ng the plan will be captured in annual impact reports. Achievements and Performance Funding The BudgetingTogether Project funded by the National Lotteryexceeded its targets, with 2,351 people 8ccessing advice. 23.762 enquiries. and 800/0 reporting wellbeing improvements. It supported 20 schools and groups, engaged 12 volunteers, and retained £2,957,032 through debt reduction and £2,190,685 via benefits support over the five ye8r long project. The project had to address increased demand driven by more people falling into debt due to the cost-of-living crisis, along with (I rise in housing needs and mental health issues. The Loan Shark Awareness initiative funded by the EnEiand Illegal Money Lending Team was delivered by DIAL. This collaboration allowed DIAL to engage with three local schools across the borough, reaching 162 children. The program included advisor-led sessions on money management, loans. and illegal lenders, followed by t-shirt design activities supported by the Reprezent Project. Additionally. information packs were dibtributed to the children, which were intended to be shared with their families, reaching estimated 200 households. The Know Your Neighborhood initiative delivered in conjunction with St. Georges Theatre and funded by the Norfolk Community Foundation, aimed to identify i ndividuals interested in volunteering and match them with opportunities in their chosen sectors across the borough. As a result, DIAL successfully registered 87 individuals and socured volunteer positions for them. NCAN Hardship funding allowed DIAL to employ Staff dedicated to supporting residents facing fin8 ncial difficulties, ensuring they could access the benefits they were entitled to. Throughout the yearthe Waitingwell Project, funded by NHS England, supported 325 patients on the elcctive surgery waiting list at James Paget University Hospital. This innovative initiative aimed to optimise patient wellbeing and readiness for surgery, ensuring physical and mental preparedness for operation and recovery. By addressing social. financial, and emotional needs, the project effectively bridged the gap between referraland surgery. The Norfolk Commu nity Fund INCFI provided funding for our Hot Spot initiative. which offered 8 warm and welcoming space for struggling members of the community. Running three sessions per week over twelve weeks, the initiative provided a safe environment where people could staywarm, connect with others, and access support. NCF also provided financial support from the Connecting Oid8r People fund, allowing DIAL to extend its services out into the commu nity. This funding enabled us to reach and suppoii older individuals, helping to reduce isolation and improve their well-being. The Routes to Work and Skills Connect projects unfortunately concluded on 31. December 2023, due to European Social Funding IESFI ending. Working in pa rtnership with East Coast College, DIAL provided one-to-one mentoring, advice, and support to help individuals progress into work, training or education. Support was often intensive and tailored to specific needs, such as CV writing, developing interview skills, and completing application forms. Skills Connect focused on young adults aged 16-24, while Routes to Work supported those aged 25 and over. Throughout the project, DIAL assisted a total of 465 participants in either job searching, securi ng employment, or starting education. Tenant Support fundingwas also secured from GYBC to support council tenants facing financial diff iculties. This initiative aimed to reduce rent arres rs and offer general budgeting advice. AGE UK funded the Information, Advlce, and Advocacy IIAA) initiative, enabling DIAL to provide telephone-based advice and guidance for referrals across Norfolk, with a focus on the Great Yarmouth borough. Other key tunders include East Coast College, which supported the Kick Start Programme. Mary Magdalen. alongwith the Great Yarmouth Pathways project, funded by the Trussell Trust to provide a multi-disciplinary worker at the local food ban k. The Greatyarmouth Old People's Network IGYOPNI also funded slow cookers for residents attending the Wa rm Hub, while Independent Age contributed to supporting older people across the borough by promoting outreach services. Events Over the past financial year, DIAL has organised numerous events supporting the projects and initiatives it has been involved in. Here are just a few highlights: DIAL organised multiple events for its projects and initiatives throughout the year. From January to March, it hosted drop-in sessions at St. George's Cafe, funded by Norfolk Community Foundation's INCFI Warm Sp8ce initiative. These sessions provided a warm refuge for financially struggling locals during the winter, offering free food, tea. and coffee, along with f riendly conversation to help combat loneliness. As a result, DIAL staff assessed clients, needs a nd connected them to relevant services within DIAL or external partners offering specialist support beyond DIAL'S scope. The Know Your Neighborhood event. held in partnership with St. George's Theatre Café on 23rd October2023, was a great success. Supported by Feathers Futures, Harbour Radio, and Norfolk and Waveney Mind, the event attracted 46 attendees interested in volunteering. As a resull, 36 residents registered with various organisations, expressing a keen illterest in becoming volunteers. This nol only benef ited the individuals by improving their health and well-being but also provided valuable support to the organisations, helping them further their causes. In September, DIAL held an open day at their King Street headquarters, Iiiviting internal & external stakeholders and the gen8r81 public, to celebr8te the valuable contribution the organisation makes to the community. The Mayor of Great Yarmouth attended together with Henry Catorwho were both suitably impr088ed to learn more dbout the valuable contributions DIAL and its staff mal, truslocs of th@ Trual, YOLI ai-o responsiblp for the pr@Pc1f¢,tion basis of report of the accounts in accordance with Ilie reqLiireineiils of the Charities Act 2011 {"the Act") I repoit in respect of my Sxamination of the Trust's accounts carri&d out undei" section 145 of the 2011 Act and in carrying out my examination, I have followed tlie applicable Directions giveri by the Charity Comniissioii unde¥r section 145151{bl of the Act. I have cornpleled my examination. I confirm that no material niatters have come lo mv attention {Dthp.r than that disclosed belnw "l in connection with the examination which gives me cause lo believe ihat in, any matei-ial respect.. accounting rècords werg not kept in accordance with section 130 of the Act or the accounts do not accord with the accounting records Independent &xam. inèr's stat.ftro.ent I have no cone,erns and have corrie across no other mallers in connection with the eKaiMination lo which altenlicin should be drawn in order to enable a proper understanding of the aLcounts lo be resched. Please delele the words in tl?e brackefs ifthey do not apply Signed: Date: Name: Relevant professional qualilication(s} or body (if any): ri P(Th.t)IF Address: Alx)A IER Octobey 2018 Only (',oiTiplete if ihe exaininLJr needs to highlight mallers of concern (see C,C32, Indet)endenl exaniinaliori of chai'ily 2CCOLinls". direclioiis and guidance for QXrJminer$l. Give here byief d¢.,talls of aiiy tliat th oxamiTreY wiskio* to disclose. IER October 2018 D.I.AL. Great Yarmouth Accountants. report on the financlal statements for Ihtt year 6nd&d 31.03.24 of D.I.AL. Great Yarmouth. INe have prepared the attached linancial statements frum the records. inforrnalion and explanations supplied lo us. They are in accordance thèrewith. Carol Ramsden Garol Ramsden FICB PM.Dip 182 Dell Road Lowesloll NR33 9NX 18.12.24 l).l.A.L. Great Yarmouth Recglpts and Payments Accovnt for the year gnded 31 March 2024 2024 2023 Income 599,902 543.833 Expense5 4Vages. s818ries and olher slafl costs Ktotor, travel and subsistence experhsos Ronl, rates, power and insufance costs Repairs and renewals of property and equipment Telephone, fax, slalionery and other office costs Advertising and business enleriainmenl costs Accountancy, legal and other professional fees D&preci81ion and lossllprofil} on sale Other business expenses 315,509 516 42,259 6,686 8.342 200 23,794 1.261 16,172 414,739 393.085 1,023 37.912 7.827 7,004 408 8.345 1,576 4,369 461,549 Proflt 185,163 82.284 D.I.AL. Great Yarmouth Statement of Assets and Liabilitles as at 31 March 2024 Notés 2024 2023 Fi¥ed assets Fixtures, fittings and equlpmenl 6,042 6,303 Current assets Banklbuilding gociely balances Cash in hand 984,144 603 984,747 797,465 1,057 798.522 Currgnt Ilabllltles Other liabilities and accruals 410 610 N91 current assets 984.337 797,912 Net a88efs 989,379 804,21S Capital account Capital account- Rèstricted Nel profiUILossl - Reslricled 566.219 152,347 501,440 64,778 718,566 566,218 Capital account- Unrestricted Nel profil- Unreslricled 237,998 32,815 220,491 17,506 270.813 237.997 989,379 804,215 D.l.A.L. Great Yamiouth Notes to the Account5 for the year ended 31 March 2024 1 Proflt and lo$$ a¢¢ount analysls 2024 2023 Income Donation - GY Older People's Nètwork Birmingham CC- Money Laundering Carers Voice Project Communlty Organlsatlon Cost of Liwng Fund Fees Re¢eived Gifls and Donations Grant- Age UK Gtanl - 8ig Lottery Funded Piojects Grant- ECC- Klckstarl Grant- ECC- RTVVISkills Connect Proj. Grant- GY Pathways Mary Magdalen Grant- Geoffrey Walling Grant- GYBC - Tenants Support Gr8nt- GYOPN- Vvarm Hub Grant- Independent Age Grant- JPH Wellbeing Grant - Lloyds Bank Foundation Grant- NCF- NCAN- Hardship Fund Grant- NCF- Wailing Well Grant- Norfolk Community Fund Gfant~ New-u Enterpris￿ Partner Grant- Norfolk CommurTrily Foundation Grant- Postcode Lollery Grant- Sl Giles Trust Grant- Sl George's Theal NCC Green Space Event Money Advice Sale of Rags Shop Taklngs Sundry Receipls 2,000 2,000 4,960 47.175 52 2,088 10.748 128.601 3.981 165,913 11,643 7,500 38,339 2,500 2,903 34,545 68,235 185,066 11.643 24,835 19,261 25,000 2.586 48.000 12.302 18.336 50.715 12,302 26,444 2,592 35,328 22.309 14,260 15,047 500 4,129 824 32,936 286 597,860 8,361 415 25,696 6,878 541,364 Other business income Interest receivable Rental inoome 850 227 2.248 2,469 2.042 Waggs. salarles and other staff costs Wages and salaries Pension COnt￿bUt10[ S&lf Training and Welfare 303,246 10,705 1,558 315.509 378.748 13,721 616 393,085 Motor, travel and 5ubslstence expenses Tt2ve5 #nd subsistttnce 516 1,023 D.l.A.L. Great Yarmouth Notes to th6 Accounts for the year onded 31 March 2024 Rent, rates. power and Insurance costs Rent Insurance Light and heal Ulilily costs 26,400 7,142 8,229 488 42,259 26,400 4,004 7,003 505 37,912 Repairs and renewals of propèrty and Èquipment IT costs Repairs and mainlenallce 4,834 1,852 6,686 5,172 2,655 7,827 TolephoTre, fax. statlonery and other offic8 Costs Tfjlophone and fax Slalionery and prinll Software Payroll Semces 5.226 1,996 210 910 8,342 4,314 1,354 198 1,138 7,004 Advertising and business entertalnment costs AdVe￿'sIng and PR 200 408 A¢¢ountancy,1ogal and other profosslonal fees Accountants fees Olhor legal and professional 700 23.094 23.794 900 7.445 8.345 Depraclatlon and losÉl{profll) on sale Depreciab'on 1,261 1,576 other business expen8e8 Subscriptions Olher expenses Bank ChargBs Carers Voice Project NCAN - Hardhsip Fund Reprezenl Costs Room Hir8 Wafmspace Cost ol Living 898 3,269 202 1,652 201 1,784 2,510 1,637 330 7,060 16,172 4,369 D.l.A.L. Great Yarmouth Profil And Loss Accoufjl- Reslricled For the year ended 31 March 2024 2024 2023 Incomg 8irmingham C.C. Money Laund&r Car6rs Voice Projéel Cointnunily Org8ni88llon Cost of Li Donalioti- GY Oldèr People's Net Grant- Age UK Grant- Big Lotiery Funded Project Gr8nt- ECC. Kickslart Grant- ECC- RTWISkills Conn9cI Grant- G.Y, Pathway$ Mary Magd GraTrt- Geoffrey Walling Grant- GYBC- Tenant8 Support Grant- GYOPN- Warm Hub Grant- Indèpendent Age Grant- JPH Wdlbeing Grant- Lloyds Bank FoUndat￿n Grant- WCF Giant- NCF- NCAN - Hardshlp Fu Grant. NCF- Waiting Well Grant- New-u Enterprises PartnEr Grant- Norfotk Community Founda Grant- Poslcode Lottery Grant- st Giles Trusl Grant- Sl. Gèor9ès Thèatrè NCC Green Space Event 2,000 4,950 47,175 2,000 10.748 128,601 3.981 165.913 11,643 7.500 38.339 2.500 34.545 68,235 135,066 11.643 24,83S 19,261 25,000 ff8.336 26.444 50.715 12.302 2,592 48,000 12,302 3S,328 22.309 14,260 15,047 500 556,783 556,783 497.875 497.875 Gross profil Expenses A¢counlanl$ fees Advertising and PR Caiors Volce Prolect Insurance IT costs ght and heal NCAN Hardship Fun Payroll S8ivic6S Pension Gontributions Profpssional lees R9nl RepaSrs and rnaSntpnan RÉprezenl Costs Software St8ft training & w8lfare Stationery and tthntlng Subscriptions Sundry pxppnses T81ephone and postage Travel and Subsistenc Utility costs Wages and sglari85 Warmspace Cost of LI￿n9 17001 12001 11,7841 17,1421 (4,6471 14,1151 12.5101 19101 110.7051 123,0941 126.4001 12081 11.637} 12101 I#oH)I (1,2561 19981 17051 15.2261 12941 14881 1303.2461 I7.0￿) 19001 14081 14,0041 12.4991 13.5021 11,1381 113,7211 17,4451 113.2001 11981 16161 1791 14581 14,1531 18131 15051 1378,7481 P8g81 012 D.l.A.L. Great YarmDulh Profil And Loss Account- Reslricled For the year ended 31 March 2024 2Q24 1404.4361 2023 1433,0971 Net prolil Page2tsf2 D.l.A.L. Great YarmoLtlh Profil And Loss Accouiil- Unreslri¢led For the year ended 31 March 2024 2024 2023 In¢Dme Fees rL+ceived Gifts antj Don81ioTrs Interest Money Advice Rents SalÈ of Rags Shop Takings ndiy Receipts 52 2,068 221 8,361 2,248 415 25.696 6.878 2,903 850 4,129 1,192 824 32,936 286 43,119 45.958 Gros3 profit Expenses Bank ¢harges Depieciation IT costs Light and haal Motor pxpettses R8llt Repairs and mainlenanr Room hlrp staff training & wellare Slalionery and printing Subscriptions Sundry expenses Teléphone and postage Travel and subslstence 12011 11,2611 11871 14,1151 12021 11,5761 12,6731 13,5021 12101 113,2001 12,6551 11,644) 13301 16581 17401 11,2761 14401 12,5581 11601 19471 12211 110,3041 128,4521 N8t profit Pago1of1