2019AnnualReport - Citizens Advice · Annual Report 2019:Layout 1 1/7/19 11:17 Page 10. 11...

2019 Annual Report

Maldon andDistrict

Annual Report 2019:Layout 1 1/7/19 11:16

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Aims and PrinciplesWe aim to:• provide the advice people need for the problems they face.

The Citizens Advice service offers information and advice throughface-to-face, phone and email services, and online viawww.citizensadvice.org.uk.

• improve the policies and practices that affect people's lives.We're not just here for times of crisis - we also use clients' storiesanonymously to campaign for policy changes that benefit thepopulation as a whole.

Our PrinciplesThe four principles to help fulfil our aims are that the service is:-

• Free - There is no direct cost to the client

• Confidential - Client’s details are not disclosed

• Independent - From funders and agencies that we may work with

• Impartial - Advice is given without bias

Maldon & District Citizens Advice has been giving advice to local residentssince 1985 as a member of the national organisation of Citizens Advice.

Maldon & District Citizens Advice is a registered charity and relies ontrained volunteers to provide vital services to our community, helpingpeople resolve problems affecting all areas of their lives.

You can us help by . . .

• Volunteering - We are always looking for help in a variety of roles.

• Remembering us in your will - Legacy gifts are exempt fromInheritance Tax.

• Using ‘Give as you live’ - When shopping on-line at no cost to you.

• Donating money or services - To support our volunteer network.

Thanks to our fundersand supportersOfficers and Members of Maldon DistrictCouncil for financial support andaccommodation

Officers and Members of Essex CountyCouncil for financial support

National Lottery Community Fund

Burnham Town Council for theirfinancial support and accommodation

Essex Community Foundation

Rotary Club of Kelvedon, Tiptree andDistrict,

Turncole Wind Farm Community BenefitFund,

Students at Ormiston Rivers Academy,

Heybridge Parish Council,

First Give

Charity of William John Cook

All clients and supporters who havebeen generous in making donations

Tim Steele of Palmers Solicitors forproviding free monthly surgeries for ourclients

Catherine Garrett for design andpublicity services


The past 12 months haveseen a further increase of

demands for our serviceswhether in person atMaldon, Burnham orSouthminster or bytelephone.

We had expected to face anew commissioning process

with Maldon District Councilduring the past year to be

effective 1st April 2019 but the Council decided toextend the existing agreement for a further yearto 31 March 2020 whilst they undertook their owninternal reorganisation detailed in their"Transformation Project". Unfortunately, theysubsequently decided to cut the level of fundingby 15% or £11,000 effective 1st April 2019 whichled the Trustees to consider the impact on theservices we offer residents of Maldon & District.From that date, we have had to reduce theopening hours of the Maldon office by closing onWednesday afternoons but the potential closureof one Outreach surgery has been postponedwith necessary funding being sourced from ourown reserves and donations. We hope thatdiscussions with the council during 2019 will leadto certainty as to funding levels in the future.At the time of writing, the United Kingdom's

departure from the European Union has still to befinalised but we stand ready to assist any memberof the public who may be affected by Brexit,particularly in respect of residency oremployment issues.My thanks to Maldon District Council, EssexCounty Council, The National Lottery CommunityFund and National Citizens Advice as well as otherfunders for their financial support without whichwe would be unable to offer the range of servicesavailable.My thanks too to all the staff and volunteers in

Maldon Citizens Advice,led by Lucy Bettley, forthe excellent work putin over the past year.The volunteers giveapproximately 300hours a week of unpaidwork to the communitywhich is a fantasticamount. Finally, mythanks to my fellowtrustees for theirvaluable contribution.

Peter Boddam-WhethamChair Trustees

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Chair’s Report 2019

Volunteers enjoying a self-fundedsocial barge trip.


Manager’s ReportCitizens Advice has always been, from itsbeginning 80 years ago, a charity reliant onvolunteers. We have, at the latest count, 59volunteers committed to making life better forthe residents of the Maldon District.

Our volunteers lead very busy lives and include:

• students who fit volunteering into workingtowards a law degree or law practice course aswell as doing paid work to support themselves;

• parents looking after children, and perhapselderly relatives of their own, with part timeemployment;

• people retired from their original occupations,now working harder than ever before,volunteering in a wide range of capacities withvarious organisations in the district.

This diverse yet cohesive group is united by adesire to help other people and the spirit ofteamwork on any day in the bureau isoutstanding. Whatever their role, from debtspecialist to receptionist to generalist adviser thevolunteers and staff support each other throughwhat can be very challenging work, bothintellectually and emotionally. It is one of thethings that makes our bureau a very special placeto work and makes me feel very fortunate to havesuch a fulfilling job.

If Citizens Advice relied on paidstaff to deliver their

services, it simply wouldnot exist and residentswould not get the helpthey need to navigatethe complexities ofmodern life. What other

organisation can makesuch a modest amount of

money go such a long way?Every pound invested is repaid

many times over both in financial gain forresidents, bringing money into the local economy,and in financial savings for statutory services by,for example, preventing homelessness andkeeping people in work through employmentadvice.Last night we went to an evening at Ormiston

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Rivers Academy to watch presentations by year 8students about various local charities. This wasfinals night of a project run by First Give wherethe winning group were given £1,000 (from theJack Petchey Foundation) for their charity. Wecame away richer by a significant sum to puttowards running our outreach surgery inBurnham. More importantly, we met youngpeople who have been inspired to be passionateabout charity and volunteering. Our group of girlshad already spread the word about Citizens

Advice to all the Saturday shoppers in Burnham’sCo-op while running a tombola to raise additionalfunds for us. They were confident and articulate,and will be our community leaders of the nextgeneration.In these troubled times of uncertainty and

division, it is this sort of experience which fills mewith great hope.

Lucy BettleyBureau Manager

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Advice CategoriesSummary

35% - Welfare Benefits

18% - Debt

11% - Housing

8% - Employment

7% - Relationships and Family

4% - Financial Capability

4% - Legal

13% - All other

Key Statistics

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Clients 3,075

Advice Issue Codes 10,436

Income Gained for Clients £1,800,524

Unmanageable debt written off for Clients £702,515

Percentage of Issues by ward

Thankyou so much for

all your help. Beinglong term chronicallyunwell I wouldn't be

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Outreach ServicesOur weekly Outreachsurgeries continue withadvisers on a Thursdaymorning in the BurnhamStation House and on aTuesday morning inSouthminster. TheSouthminster Outreachmoved to the UnitedReformed Church inNovember as a result ofthe library moving to smaller premises. We arepleased that our change of location has notaffected the number of clients needing advicefinding their way to our door.

Home visits also continue to be offered to morevulnerable clients including those whom areelderly and less mobile and those who havemental health difficulties and have trouble goingout. Most referrals for home visits come from theMaldon Citizens Advice office but we also receivea number of referrals from the CommunityAgents.

Help given at home visits this year has includedcompletion of benefit forms, phone calls tobenefit agencies, benefit appeals and onlineapplications for Universal Credit. Othernoteworthy cases include:

Mr B’s StoryThe partner of Mr B died unexpectedly leaving himwith their three children. At a home visit Mr B washelped to use the Tell Us Once service and completean online application for Universal Credit. As the lawcurrently stands, someone who is not married doesnot qualify for bereavement support payments.Nevertheless Mr B was assisted in making anapplication for these payments and a mandatoryreconsideration was requested when the applicationwas rejected. The Government is under pressure tochange the law following a Supreme Court casewhich found that similar legislation wasdiscriminatory. Hence affected families are advisedto put in a claim for the benefit and ask the DWP tohold off from making adecision on the claimuntil thegovernmentamends theregulations.If the law ischanged, Mr Bshould receive aone off paymentof £3,500 and18 monthlyinstalments of£350.

I suffer with poormental health and I have

found the cab people to be sosupportive, so helpful, very

efficient and so kind. They are andhave continued to support me withall my needs. Wonderful people, I

would have been lost withoutthem. I am beginning to feelsome peace which I haven’t

had in many years.thank you.


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Employment‘Employment’ enquiries continue

to provide a significantamount of work for our

office in Maldon. Thesecases often require anappreciable number ofappointments if we dealwith a disputed issue all

the way through to anemployment tribunal

hearing; and the level ofsupport varies from client to

client. Some require general guidancewhile others need more specific and detailedhelp. Our cases cover both specific workproblems (e.g. unauthorised deductions from pay;unfair dismissal etc.) and more complexdiscrimination matters involving all ‘protectedcharacteristics’ (age; disability, sex etc.)

On first discussing an employment issue with aclient the viability of a case is assessed.Sometimes it is the client who may have actedunreasonably or unknowingly and, if so, we willdiscuss the issues with the client noting thepossible reasons for the dispute. Often, bringingthe matter to the attention of the employer in a‘tactful’ way will clear up the complaint and therelationship between the client and the employeris safeguarded. However, in the majority of

cases, the client who comes to us has a justifiablereason.

Grievance and disciplinary issues are the mostcommon areas of our involvement and great careis taken to follow the ‘approved’ process – as anincorrect approach might well prejudice the caseat any subsequent tribunal hearing. Havingexperience from ‘gateway’ to a tribunal hearingprovides a really sound basis on which to help ourclients who are referred by our generalistadvisers, for more detailed advice, to our ownspecialist support.

As usual, frequent changes to regulations andnew case law require us to keep abreast ofdevelopments. We are fortunate to attend regularupdate and network meetings given by our‘Expert Advice Team’ in London. They keep usinformed of important changes and issuesthroughout the year which have included:

• Delays to Employment Tribunal hearings due tothe significant increase in number of claims;

• Issues surrounding the ‘gig’ economy (Uberdrivers; Pimlico plumbers) – employment statusissues - whether an employee, worker or selfemployed;

• Holiday pay issues during long term sickness –carry over conditions;

• Payslips to include more detail e.g number ofhours worked; and

• Naming / shaming of employers who do notpay tribunal awards.


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Debbie’s StoryDebbie is 64 years old and for the last 10 yearshas worked as an office manager in an insurancebusiness. Having 4 staff under her control, she wasresponsible for ensuring that administration issueswere properly dealt with and business/customerrecords were maintained up to date.

Debbie was happy in her role and had goodworking relationships with her staff. The directorsto whom she worked rarely got involved with herwork. Debbie gave assurances that the businesscomplied with the necessary regulations thatapplied to the business.

Unbeknown to Debbie, the company decided toask for an external audit of its administrationsection. A confidential report was completedmaking a number of recommendations forimprovement. Debbie was then asked to attend adisciplinary meeting to discuss how and why someitems had not been addressed i.e. delays incompleting company records; health and safetychecks incomplete etc. Debbie was able to statethe reasons for particular issues that were raisedabout the concerns but the directors informed herthat they had lost trust and confidence in her workand she would be dismissed for gross misconduct.

Debbie came to the office seeking help with hersituation. She was shocked by the events. Advice

was given on the disciplinary process and helpgiven to draft letters of explanation etc. Theemployer confirmed the dismissal decision and anappeal was submitted and refused. ACAS earlyconciliation did not result in a settlement andDebbie therefore decided to proceed with anEmployment Tribunal claim. Fortunately Debbiehad legal expenses cover on her householdinsurance so solicitorstook over the claim.We have just heardthat Debbie is likelyto settle early for asum of around£12000

I was verynervous, embarrassed

and anxious to go to CitizensAdvice, but after meeting the

lovely people who work there, Iwas immediately put at ease,they helped me EVERY step of

the way, and now am veryhappy that everything is

settled.


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Kathy’s Story

Kathy is 44 and worked for 16 years as an HRmanager for a construction company in London.

She enjoyed her job and was appreciated by hercolleagues and senior management. However, herwork role changed significantly when a consultantwho had completed a review of the company’s HRdepartment changed the responsibilities andlocation of her job. The consultant also took apermanent job with the company becoming theclient’s line manager.

Kathy wasgiven a lessresponsiblerole andduring themove ofdepartment toan adjacentbuilding she

was given a desk in the middle of a corridor on apartly refurbished floor. Her colleagues were onthe floor above. This caused her significant anxietywhich resulted in her GP giving her a medicalcertificate for acute anxiety and stress. The newline manager was not prepared to discuss or listento Kathy’s concerns. And, to matters worse, Kathywas paid Statutory sick pay when others of her

grade, when ill, were all provided with contractualsick pay (full pay for 3 months).Kathy did not know who to turn to and contactedour office to talk through her treatment by theemployer and the concerns arising. Initially wehelped Kathy raise a formal grievance; and themeeting took an appreciable time to convene. Theresult was unsatisfactory and Kathy decided toappeal against the decision not to permit her tostay in her former job; and to continue to raiseobjections to the disrespectful treatment that shehad received during the move. Support frommanagement in the company was non-existent.She was so upset that she decided to resign herposition citing the ‘bullying’ received. She startedan ET claim for unfair/wrongful unfair dismissaland we helped her through the process.

The appeal hearing went ahead and by this timethe head of HR had left the company. The hearing(with senior staff unaware of the case) upheld allof Kathy’s allegations and asked her to rescind herresignation. She refused to do so having felt thatthe company did not support her when sheneeded it most. Her potential ET claim amountedto over £21k. The company decided to settle theclaim before it went to a tribunal hearing.

Kathy now has a more local job which she enjoysimmensely – and that she considers is the mostimportant factor!


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Our project, funded bya grant from theNational Lottery Community Fund, aims to tacklepoverty throughoutour district byproviding debtadvice, financialeducation andspecialist helpwith benefits andhousingproblems andoffers the onlyadvice service of itskind in the area.

The elements are closely linked. Problemsaccessing appropriate benefits can mean timewithout income for clients, leading toindebtedness and risk of homelessness. Ourdifferent teams and specialists work closelytogether to ensure that every aspect of a client’sproblems is addressed to ensure the bestpossible outcomes.

Welfare Benefits

Our welfare benefits specialist team helpedclients gain an increase in income of over£500,000. This total includes the result ofsuccessful appeals against benefits incorrectlydiscontinued or disallowed, in particular disabilitybenefits. Our specialists support clients

throughout their appeals, helping them collateevidence and formulate their cases and preparingthem for what to expect at a tribunal. Whilstcorrecting a poor decision and gaining thesubsequent financial benefit is the ultimate aim,clients also benefit from feeling that they havesupport during the long process - a process whichmany would find too forbidding to embark uponalone.

Universal credit replaced six income relatedbenefits - it is no longer possible to make a newclaim for income support, job seekers allowance,employment support allowance, housing benefitor working and child tax credits. Existing claimswill continue for several years to come so ouradvisers have to maintain good knowledge of twoseparate systems, awareness of what changes

ReachingCommunitiesProject

Maldon CitizensAdvice gave me

excellent, expert andcompassionate supportthrough a very complex

benefit claim process, withoutwhich I could not have

survived. I cannot praisetheir help too highly.


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precipitate a new claim and consequences of thatchange and, if clients have a choice, under whichsystem a specific client may be better off. Ourspecialists will have to deal with complex cases,challenges and appeals under both systems forthe foreseeable future.

Housing and Homelessness

Our specialist adviser works with clients to try andprevent homelessness. She may become involvedat various stages including when indebtedness isthreatening housing security, when clients havereceived eviction notices or when they are alreadyhomeless. We see many clients who are “hiddenhomeless” or sofa surfing. There is not enoughsocial housing locally to meet demand and manyprivate landlords areprohibited from acceptingtenants who receivehelp with housingcosts from benefitsby their mortgageproviders. We arehoping to see thisstance changed toopen up the privaterental housingmarket to allprospective tenants.

Jennifer’s Story

Jennifer approached us forgeneral advice following arelationship breakdown.Her relationship had brokendown following persistentcontrolling domestic abuse -Jennifer and her childrenhad to leave their home fortheir own wellbeing andmental health. Jennifer and her partner had anassured tenancy. Jennifer was not entitled to helpfrom the local authority because she had a validtenancy and was entitled to live in the property. Ifshe relinquished the tenancy she would be judgedto have made herself intentionally homeless. The

housing association couldn’t help either- as faras they were concerned both parties had the

right to maintain the tenancy and stay inthe home - there was no evidence ofphysical threat. It was a long process, butworking with our support and the localdomestic abuse support agency, Jenniferwas able to use the legal system to gether partner to leave the property and forthe tenancy to be assigned to her solename, giving her and the children

continued housing security.

Maldon CitizensAdvice has been helping mewith various DWP trials &

tribulations over the past 18 months.My adviser’s tenacity, support,

knowledge and input has been incredible.She’s passionate about fighting injustice.

She picked up on DWP errors I did noteven know about (I had been on thewrong Incapacity Benefit rate for 15years). I cannot thank her and ALL

the support staff at this branchenough. They are incredible.


Debt

Overall costs of living including rent, utility billsand council tax charges are still increasing at agreater rate than wage or earnings replacementbenefit inflation. Support from our general debtadvisers and specialists continues to be in greatdemand.

When we first see a client we are all trained tolook at their case holistically- if we can give aclient confidence in us to disclose a debt issuebefore it has become a crisis they will have moreoptions for resolution. When a client first

discloses debt problems we take a generalbackground and identify any debt emergencies.They then have the opportunity to see a generaladviser for debt advice at which time we look atincome/expenditure, income maximisationincluding checking benefits are at correct levels,liability for debt, priorities and overallindebtedness. We can then discuss options withthe client. It is always the client’s decision. Wenever judge. We will support the client alongwhichever path to resolution they feel most suitstheir situation.

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Fran’s Story

Fran is a widower in his 80s. After he was widowed10 years ago he was stuck living somewhere hecouldn’t afford. During this period he had medicaltreatment for a life threatening condition which,whilst successful, left him with rare andunfortunate permanent health implications. Thehealth problems meant he was unable to dealwith looking for somewhere more cost effective tolive and moving. Fran first came to us about 5years ago. At that point he had credit card andloan debt of £12,000 which he had run up whilstmeeting his living costs. We supported him overthe course of a few months during which heapplied for and moved to lower costaccommodation. With our help Fran contacted his

creditors and explained his circumstances. Theyagreed to accept token repayments that Francould afford until his circumstances improved. Wesaw Fran again recently. His circumstances haven’tchanged and he continues to be plagued by healthproblems from his treatment. Fran has alwaysrejected the idea of a formal debt solution likebankruptcy- he felt strongly that he should try torepay the debt. We contacted Fran’s creditors togive them an update on Fran’s circumstances- thatthey hadn’t changed and were unlikely to do so.Two creditors who between them were owed 75%of the debt agreed to write off their balances as agesture of goodwill. The remaining creditorscontinue to accept minimal token payments.Fran is delighted.


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Financial Capability

This year saw us expand our financial educationwork. Over 500 pupils from local schools took partin one of our courses. We tailor the sessions tosuit each group. Participants from schools thisyear were from years 6, 7 and 10 (10-15 yearsold). The courses covered a range of topicsincluding one focusing on how the responsibilityof managing a family budget can create stressesand strains which impact wellbeing.

We were delighted to work again with Action forFamily Carers and to work for the first time with1st Heybridge Guides both of whom took part infun sessions playing a family budgeting game.

We ran a pilot of a multi session course “MoneyTalks” aimed at families in partnership with EssexChild and Family Wellbeing Service. Moat HousingAssociation kindly provided us with funding toprovide a free crèche and Adult CommunityLearning Essex provided the venue. It was a greatexample of local agencies working together forthe benefit of our community. The pilot wassuccessful and it is planned to repeat the coursein 19/20 on a larger scale.

We continue to offer all clients advice and supporton budgeting and income maximisation as part ofour general advice. We have a dedicated financialcapability specialist with whom clients who wishto can work on a one to one basis. The goal of thissupport is to give clients the confidence tomanage their finances positively in the future.


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Marion’s Story

Marion lives with her adult son- they areboth on very low incomes - she wasmanaging their finances, but with nothingto spare each month. Marion’s other sonwas to be married in Scotland 12 monthshence; she knew that the costs of travellingto celebrate with him, accommodation andassociated expenses were out of her reachand she had resigned herself to eithermissing this family event or borrowing tofund her attendance. This information wasincidental to the reason Marion visited ushere, but the adviser thought it might beworth Marion spending some time in abudgeting session to see if we could help.Our financial capability specialist wentthrough Marion’s household budget withher and identified areas where smalladjustments and savings could be made,including better value utilities andinsurance. They researched the costsMarion would incur in attending her son'swedding and made a savings plan togetherwhich Marion felt was realistic. Followingthis plan would mean that Marion wouldhave enough money for her and her otherson to attend the wedding in a year’s time.


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Research andCampaigns reportAt Citizens Advice we see so many people with somany different kinds of problems, and that givesus a unique insight into the challenges people arefacing today.

From all over the country local Citizens Advice aresending examples of poor practices and proceduresto our head office which are then collated and usedat national level to bring about change.

With the right evidence, we can show bigorganisations – from companies up to thegovernment – how they can make things better forpeople.

Recent examples of change brought about throughthe influence of Citizens Advice includeimprovements in Universal Credit and regulationregarding letting agents.

We also research into problems that we areparticularly aware of in our local communities andthis year a student volunteer investigated theproblems faced by people living in caravans.

A caravan is sometimes the only affordable andavailable housing option but it is fraught withinsecurities. Maldon & District Citizens Advice havehelped caravan park residents with a wide range ofissues. On starting their lease, a resident may not

have been informed of theirliability for Council Tax (wherethey have no other‘primary residence’). HugeCouncil Tax arrears may accumulate and onlycome to light when someone moves into newaccommodation and applies for benefits. TheCouncil can only give limited assistance when theylook for housing in the winter months. Whencaravan residents apply for long-term SocialHousing they may be placed in low priority bandsor they may be referred to another Authoritybecause they are not considered to have a ‘localconnection’ if their last permanent settledaccommodation was elsewhere. Those luckyenough to own their own caravan may only sell onthe site owner at knock down prices, owing to‘restrictive covenants’. Those who enjoy use of acaravan when they work on a site have few housingrights when their health or circumstances change.

Living in a caravan site from March to Novembercan be a great lifestyle choice. It should not be anoption of last resort for vulnerable people. Betterinformation on rights and obligations would enableprospective residents to make good decisions.Above all, wider availability of affordable rentedhousing in the district would go a long way toaddressing the problems encountered by manyclients of Maldon & District Citizens Advice.


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Volunteer’s storyFrom the very moment I started

University as a Law Student,it was drummed into us

the importance ofwork experience –how good it looks onyour CV, howprospectiveemployers look for

students who goabove and beyond their

usual studies and so on.The legal sector is highly

competitive and securing a workplacement is no different. After a number ofunsuccessful applications, I started to thinkoutside the box and that was when I foundCitizens Advice. I enquired regarding volunteeringas a Gateway Advisor and I can honestly say thatit was one of the best decisions I have ever made.I have been a Gateway Advisor for over a yearnow and I have learnt so much in this time – myconfidence has grown tremendously, as has myknowledge and each day I learn something new.

Whilst my initial decision to start volunteeringstemmed from my own self-interest, since mytime at Citizens Advice this has completelychanged. When I started, I did not realise quite

how satisfying it would be providing advice toothers - helping those who need it the most! Onerecurring theme that I noticed throughout washow grateful the clients are for somebody to offertheir time to sit and listen to them and providehelpful advice. It is this sense of satisfaction thatmakes volunteering so worthwhile.

Each day brings a new challenge and no day isever the same! You come across such a variety ofissues and people at Citizens Advice and this issomething I really enjoy. I am surrounded andsupported by such a great team and this supportnetwork helps me to do the job as best I can. Inever get feel like I am at ‘work’ whilstvolunteering.

You should never underestimate your own abilityto make a difference to someone’s life andthrough volunteering I have learned that even thesmallest of gestures can go a long way. From justlistening to a client share their problem can lift agreat weight of their shoulders. They may havespent weeks, months, even years, worrying aboutan issue – and after a short consultation, theycould leave feeling happier (even if just slightly). Itreally does make a difference.

Volunteering at Citizens Advice has allowed me tosee the world from a different perspective – it hastaught me to appreciate life more, especially soon a ‘bad’ day remembering that there are alwaysothers going through much worse.


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Bureau ManagerLucy Bettley

Advice ServiceManagerFiona Nelmes

Outreach WorkersFiona NelmesDerek Hall

BenefitsCaseworkerJustine Southgate

TrainingSupervisorAnne Cramphorn

HomelessnessPreventionSpecialistChristine Wakeling

Project and DebtAdvice ManagerJustine Southgate

FinancialCapability WorkerJudy Norton

Debt CaseworkerJenny Phillips

Advice SessionSupervisorSarah LornieJustine SouthgateSally Babbage

Help to ClaimPaul StreetSally Babbage

VolunteerResearchand Campaignsco-ordinatorIrene ChapmanRuth Lornie

VolunteerAdministratorsSabah Ebrahimi

VolunteerReceptionistsJoan FishJean HarrodLinda KeyesTessa WatkinsAnthea BalmfordStella CurranJill BuschorLorraine McHaleSuzanne Lovett

VolunteerAdvisers &GatewayAssessorsDiana AdamsMike CanterTerry CantyRichard HollandMichael LofthouseSarah LornieJustine SouthgateDavid SpiceleySue VoyceGill WoodsJanet CardenSally BabbageKarl DaviesJean Grant

Irene ChapmanPaul DellarSheri DinesDavid OgdenJanet AllisonLynne PursellSusie TomlinsonPaula StanburyMartyn HodgesAlan HaleGill StoneMike GibsonPaul JohnGeoff BullLisa AmorLisa WaltonRita Kyria

Olivia WoolnoughNatalie CarrAmy HallCliff EllamsMichelle GillDavid OgburnEmily WoloszczukGayathri Sreekumar

Staff


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Legal andAdministrativeInformationTrusteesPeter Boddam-Whetham (Chair)Christine DovePeter Dollery (Treasurer)Deborah FraserAlan MackDavid PicklesChris Thurston

Independent ExaminersPocknells LLP,Henry Brake House,46 Hullbridge Road,South Woodham Ferrers,CM3 5NG

BankersHSBC72 High StreetMaldonCM9 5ET

Charity No.1141869

Company No.7582667

Here to helpContact us at:In Person (no appointment necessary):MaldonCouncil Offices, Princes Road, Maldon, CM9 5DLMonday, Tuesday, Thursday, Friday 10.00am - 4.00pm Wednesday 10.00am - 1.00pm

Burnham-on-CrouchStation House, Station Approach,Burnham-on-Crouch, CM0 8BQEvery Thursday, 10.00am - 1.00pm

SouthminsterUnited Reformed Church, North Street, Southminster CM0 7DF Every Tuesday, 9.30am - 12.00 noon

Telephone: 01621 875774

Email: [email protected]

Website: citizensadvice.org.uk/maldon-district

Twitter: @MaldonCAB

AmazonSmile is operated by and has the sameproducts, prices, and shopping features asAmazon.com. The difference is when you shop onAmazonSmile 0.5% of the purchase price of eligible

products are donated to the charitable organisation of your choice. Simply go tosmile.amazon.com and select Maldon And District Citizens Advice Bureau. Youmay also want to add a bookmark to smile.amazon.com to make it even easier toreturn and start your shopping at AmazonSmile every time.


Authorised and Regulated by the Financial Conduct Authority: FRN 617658

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2019AnnualReport - Citizens Advice · Annual Report 2019:Layout 1 1/7/19 11:17 Page 10. 11...

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Transcript of 2019AnnualReport - Citizens Advice · Annual Report 2019:Layout 1 1/7/19 11:17 Page 10. 11...