Finance Score: -5

Governance Score: 3

Support Score: 2

Multiple Deficits and declines: -5
No PartB

Gender balanced board: +3

Grant maker support: +2

Overall GiG Score: 0

WEST CUMBRIA COMMUNITY MONEY ADVICE

Provide debt advice, free to the client, to assist them in managing debt and empowering them to gain freedom from it. Acting as intermediary between debtor and creditor to obtain managed settlements. Providing budgeting training and awareness of the dangers of debt

Analysis by Giving is Great

Positives:

A significant proportion of recent income was derived from major grant makers

Regulatory & Governance issues to consider:

Over half the Board have joined recently

Financial issues to consider:

A PartB annual return has not been required and so detailed financial information is not available from the online data
Income has been volatile and on several occasions in recent years less than spending

Financial Data ?

Income & Spending ?

Sources of Income ?

Y/E	Income £k	Spending £k	Surplus/ Deficit	Fundraising Cost £k	Total Funds £k	Unrestricted Funds £k	Mths Rsrvs	Staff	Volun- teers
31/12/22	£0	£5	£-5	n/a	n/a	n/a	n/a	n/a	0
31/12/21	£5	£4	£1	n/a	n/a	n/a	n/a	n/a	7
31/12/20	£5	£4	£1	n/a	n/a	n/a	n/a	n/a	7
31/12/19	£6	£5	£1	n/a	n/a	n/a	n/a	n/a	6
31/12/18	£4	£5	£-1	£0	£0	£0	n/a	0	12
31/12/17	£5	£5	£0	£0	£0	£0	n/a	0	0

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Highest pay bracket: less than £60,000

Established: 7 years

wccma2023@outlook.com

01900827234

Charity Commission for England and Wales

Listed activities

Disability
The Prevention Or Relief Of Poverty

GiG Classification

Social & legal advocacy

How it operates

Provides advocacy/advice/information
Provides services

Where it operates

Cumbria,

Who it helps

Children/Young People
Elderly/Old People
People With Disabilities

Who's supporting them? ?

Donations from Grant Makers ?

We have details on the following significant donations. Multi-year donations are allocated to the years for which they are earmarked.

Specific Donations

Amount	When Months	To be used for
Department for Work and Pensions - CARE WITHIN LIMMITED
£4,341	01/04/2022	The Kickstart Scheme provides funding to employers to create jobs for 16 to 24 year olds on Universal Credit.
Department for Work and Pensions - CARE WITHIN
£1,500	01/04/2021	To support customers aged 18-24 to be ready to take up kickstart vacancies.

Data sourced from Donors via 360 Giving

How is it governed?

Trustees (3)

Current Trustees appointed

Gender Split

LISA ANDRADEZ Appointed: 2022

THE VENERABLE DR RICHARD PRATT Appointed: 2022

PATRICK SHARMAN Appointed: 2017, Other trusteeship: SAFE FAMILIES FOR CHILDREN,

Legal constitution

Charity registered in England & Wales on 09/02/2017, number: 1171545

Gift Aid

Registered with HMRC for Gift Aid

Other Regulators

Financial Conduct Authority

Policies in force

Complaints handling
Conflicting interests
Risk management
Safeguarding vulnerable beneficiaries

Filing Record

6 returns made; all on time

Main office

THE BRIDGE CENTRE
CENTRAL SQ
WORKINGTON
CA14 3BG

Objectives

THE RELIEF OF FINANCIAL HARDSHIP OR POVERTY AMONGST PERSONS IN WEST CUMBRIA BY ANY SUCH MEANS THAT ARE EXCLUSIVELY CHARITABLE IN LAW, PARTICULARLY BUT NOT EXCLUSIVELY BY PROVIDING DEBT COUNSELLING AND ADJUSTING SERVICES, ADVICE AND ASSISTANCE IN FINANCIAL MATTERS.

Data Sources