Regulator investigates charities over conflict of interest

The Charity Commission has issued the following Press Release which we have thought it appropriate to share with our members as it provides examples of how the Commission will instigate a statutory enquiry into charities where there are concerns about the trustees’ general management as well as management of conflicts of interest.     

Regulator investigates charities over conflicts of interest

The Charity Commission has opened a statutory inquiry to examine ongoing regulatory concerns regarding the trustees’ management and administration of SOLEV CO LIMITED – 254623 which was established in 1967 with general charitable purposes. The regulator’s primary concerns focus on related-party transactions recorded in the charity’s accounts and whether conflicts of interest have been managed appropriately, particularly given that the trustees were, until recently, all part of the same family. The previous trustees were all closely related.  Trustees are expected to act in the best interests of the charity and properly manage any conflicts of interest.

The inquiry will also investigate why the charity has not submitted accounts and annual returns within the statutory timeframe for the past five years and is currently in default with their 2023 and 2024 accounts, which is a legal obligation for trustees.

The Commission has also opened an inquiry into HATZLOCHO LIMITED – 1082076 to examine similar concerns. The charity’s purposes include advancing the Orthodox Jewish faith, and relieving poverty.

Both inquiries will examine the administration, governance and management of the charity, in particular the extent to which:

  • the trustees have complied with their statutory reporting duties including the submission of the charity’s annual reports and accounts to the Commission
  • the trustees have acted in accordance with their legal duties, with particular regard to the composition of the trustee board, the management of the charity’s finances, related party transactions and conflicts of interest and/or loyalty
  • any failings or weaknesses identified in the administration of the charity are a result of misconduct and/or mismanagement by the trustees

The Commission may extend the scope of either inquiry if additional regulatory issues emerge.

It is the Commission’s policy, after it has concluded an inquiry, to publish a report detailing what issues the inquiry looked at, what actions were undertaken as part of the inquiry and what the outcomes were.  


Charity Commission investigating charities

The Charity Commission is investigating charities over repeated failure to submit accounts

We just wanted to inform members that the Charity Commission has issued a statement concerning repeated failure of some charities to submit their annual accounts.

Submitting accounts to the Commission in a timely manner is an important aspect of due governance. We ask that any member charities experiencing difficulties complying with this requirement contact the Association for help and support as soon as possible.


Free TV Licence Application Process for Pension Credit Recipients

The Almshouse Association has received the below information from the BBC regarding TV licences.

We are writing to inform you about an important change that took effect on Thursday 23rd January 2025.

This regards the application process for free TV Licences for individuals over 75 who are in receipt of Pension Credit.

Most customers will no longer need to provide evidence of their Pension Credit status to qualify for the free TV Licence. We will verify Pension Credit eligibility directly with the Department for Work and Pensions automatically when a customer applies for a free licence online or via the phone. This change to TV Licensing’s processes simplifies the application process and speeds up the processing time, so that applicants get notified of the outcome of their free licence application shortly after applying.

Please Note:

  • Some customers will still need to provide evidence of their entitlement when matching records with DWP is not possible.
  • Customers must make sure the name and address provided to TV Licensing matches the records held by DWP.

To watch the BBC pension credit help video that explains how to apply for a free TV Licence if you are eligible, please click here

If members need any help, please contact TV Licencing at 0300 790 6117.

If you are interested in learning more about the support available from TV Licensing, contact the Communications team at tvlstakeholders@bbc.co.uk

Visit the TV Licensing website at tvlicensing.co.uk


Loan sharks

A member almshouse charity has kindly forwarded the below information about loan sharks that you may wish to share with your residents.

Warning from the England Illegal Money Lending Team (EIMLT) www.stoploansharks.co.uk 

The EIMLT said: “A loan shark is someone who lends money illegally and without the proper authorisation from the Financial Conduct Authority (FCA) to do so. These criminals are lurking everywhere and they could be a parent in the school playground, a friend of the family, a friend of a friend,  a neighbour or someone who you meet on social media or via an app and with the current cost of living crisis,  loan sharks are looking for anyone who needs to borrow money.

“They can make the offer of quick cash seem hard to resist but very quickly the situation can spiral out of control, the outstanding debt can escalate rapidly and borrowers can be subjected to threats, violence, intimidation or worse in order to continue paying them.

“The warning signs to indicate that you could be dealing with an illegal money lender or loan shark include:

  • them not undertaking any credit checks,
  • not giving borrowers any paperwork or a contract,
  • refusing to give borrowers any detailed information about the loan and how it’s to be paid back,
  • not issuing receipts,
  • taking items such as a bank cards or passports as security against the loan,
  • taking things from you if you do not pay on time and for example, using threats, intimidation and harassment to pay.” 

“The England Illegal Money Lending Team (EIMLT) is a dedicated team of specialists that are leading the fight against loan sharks.  They have helped over 32,000 borrowers escape the clutches of these criminals and have wiped out over £90 million worth of illegal debt.

“The borrower is not in trouble if they have taken any money or have been paying back a loan from a loan shark – the loan shark is the only person who has committed a crime.

“If you or someone you know is being affected by illegal money lenders, then contact the Stop Loan Shark team for help, support and advice on 0300 555 2222 (available 24/7/365) or visit their website at www.stoploansharks.co.uk where a Live chat facility is available between 9am and 5pm, Monday to Friday inclusive and all callers can remain anonymous,” said the EIMLT.

If you need to borrow money, then credit unions for example are a safe and ethical option. They’re local, friendly and not-for-profit organisations. Or maybe approach your host charity to enquire if they have grants to assist you buying items you need?


P&G update: 28.01.25

Latest Policy and Governance news from The Almshouse Association.

Following the release of the conclusion of the consultation of the NPPF, we can confirm that:

  • the Government is not minded to amend the definition of “affordable housing” to include almshouses
  • the Government recognises the case that The Almshouse Association and our members made
  • the Secretary of State has asked Ministry of Housing, Communities and Local Government (MHCLG) to liaise with The Almshouse Association to find a solution 
  • thanks to the many letters and emails of support from members and MPs, the issue is very much on the Minster’s agenda
  • there were 8 separate references to almshouses in the final Government response
  • we have agreed an engagement and influence strategy with partners and Nick Phillip will be speaking at various events, leading to a Westminster Round Table workshop with government ministers.

Access the findings below:

This issue raised its head again for the third time in six years. The Almshouse Association responded robustly to changes to the exemptions to ‘Right to Buy’ and defended in detail the case for almshouses to remain exempt.

There is a strong sense that the current Government is supporting the continuation of almshouses being exempt from Right to Buy – however we must remain vigilant to changes in this policy area!

Over the last few months you (our members) and Nick Phillips, CEO of The Almshouse Association have met with many MPs who have been very supportive of our proposal to amend the definition of affordable housing in the NPPF. They have tested our case and found we make a sound argument. Many will support our cause over the long term and between us, we will make sure we keep them updated with good news and regularly underpin our clear asks.

With this in mind, Nick met the senior team at Connect, our Government consultant advisors. We have developed a strategic approach to engage Government over the next 12 months – this includes public speaking events, direct meetings and conference engagement.

We have three specific asks of Government and stakeholders:

  • Amend the NPPF to include almshouses as affordable housing.
  • Exempt almshouses from Selective Licensing.
  • Champion the almshouse model within local and national government.


From Demolition to Renewal

Two new almshouses in Bedworth revitalise Nicholas Chamberlaine’s legacy.

On 6 November 2024, Jane Corrigan, Chairman of the Nicholas Chamberlaine’s Hospital & Sermon Charity welcomed everyone to the opening of the Chapel Street Cottages. She was delighted to announce that the Bedworth Almshouses had been extended for the first time in almost 200 years. A brick built public convenience building that was due for demolition in the centre of the town  has  been renovated and extended by the Charity that governs the almshouses. There are now two cottages in Chapel Street that will provide modern, warm and comfortable homes for local residents.

Jane thanked the Almshouse Consortium Ltd for all of their work in the preparation of the application to Homes England. She was delighted to report that Homes England had made a significant grant, without which the project would not have been viable. She further thanked the trustees of the Nicholas Chamberlaine’s School Foundation for their generous donation and for assisting with the purchase of the site a few years ago.

Nuneaton and Bedworth Borough Council expected the structure to be demolished when it fell into disuse but the Charity was successful in its bid to buy the building and the surrounding land.

Matthew White, Clerk to the Charity said:

“The trustees  saw an ideal opportunity to be able to offer homes to elderly people and are delighted with the result. We are especially pleased that the new homes have a walkway that links them to the existing almshouse built in 1840.”

The official opening was conducted by the Mayor of Nuneaton and Bedworth and Charity trustee, Bill Hancox and the Mayoress. The Rector of Bedworth, the Rev. Dave Poultney, who is also a trustee, blessed the building. Architect Jason Brooks of Vagdia and Holmes and Builder Darren Williams of JRoc Construction were also in attendance. Guests included members of the Bedworth Society and Chamberlaine Court Care Home who are neighbours , as well as almshouse staff, residents and trustees. There are plans to complete the landscaping around the site and to provide extensive planting that will soften the area and  give a green and pleasant view.

One of the prospective residents said at the opening,

“I absolutely love my new flat. It has a beautifully fitted kitchen and shower room and is just a short walk away from all the facilities in the town. I am looking forward to being part of the almshouse community.”


Christmas Legacy: gifts to 693 residents

Each Christmas, The Almshouse Association takes great joy in sending gift vouchers to almshouse residents aged 90 and above, a tradition made possible by a legacy left to the Association over 70 years ago.

In Christmas 2024, we distributed 693 gifts – our highest number to date! This milestone highlights the enduring power of a thoughtfully invested gift in a Will and the remarkable benefits of almshouse living, with a growing number of residents in their 90s and 100s enjoying longer, happy lives.

Mrs Meadows, resident, Eleanor Palmer Trust

Resident, Cambridge Royal Albert Homes
Joy, resident and her neighbour Ellen, Le Personne Homes

Mr and Mrs Dummer, residents, Eleanor Palmer Trust
Resident, Cambridge Royal Albert Homes

Mr Gransby, resident, Eleanor Palmer Trust
Mrs Lawton, resident, Eleanor Palmer Trust

Resident, Walton Charity

The Almshouse Association Christmas Fund traces its roots to a generous legacy left over 70 years ago by Major Allnatt, a successful businessman and philanthropist. Major Allnatt worked closely with Leonard Hackett, the Association’s founding General Secretary, and was deeply committed to supporting its mission.

He expressed a heartfelt wish for a small gift to be given to almshouse residents on Christmas Eve and chose to remain anonymous during his lifetime, until his passing in 1969.

The Almshouse Association carefully invested the funds he provided, enabling us to honour his name and legacy each year. Today, this takes the form of a gift voucher, sent to almshouse charities for their eligible residents to enjoy during the festive season.

Resident, Walton Charity

Evelyn, resident, St Johns Winchester

Resident, Cambridge Royal Albert Homes
Peggy, resident, Chubbs Almshouses
Mrs Bodger, resident, Eleanor Palmer Trust
Pat, resident, Fetcham United Charities
Mrs Moorhouse, resident, Eleanor Palmer Trust
Resident, Davenport Homes
Resident, Davenport Homes
Resident, Davenport Homes
Resident, Davenport Homes
Margaret, Resident, Louisa Lilley Almshouses

A heartfelt thank you to all the clerks and trustees of almshouse charities for ensuring these special gifts reach residents on time. We also deeply appreciate you capturing and sharing the memorable moments.

Please keep the photos coming – receiving them is them is always a highlight of our day here at the Association!


See also: Festive fun at Member Charities:


Case Study: The Almshouse Charity of Sir John Offley

The Almshouse Charity of Sir John Offley was awarded a £50,000 loan from The Almshouse Association rolling fund in the first quarter of 2024 to assist with the renovation of No.2 Greyhound Cottage, Madeley, Staffordshire.

History

The original almshouses which are in Madeley, Crewe, CW3 9PW were built in 1645, paid for by money left in the Will of Sir John Offley of Madeley. They were endowed and built under the terms of the Will of 1645. The properties were extended and improved by Hungerford, Baron of Crewe in 1889 and again in 1968. The properties were listed as Grade 2 in 1966.

Since 1968 they have been further improved with modern kitchens and bathrooms. Extensive re-roofing was carried out in 2016 at a cost of £35,000 and in 2023 the windows to the front of the properties which were iron framed in oak surrounds were replaced as per the originals at a cost of £46,000. A grant of £5,000 was received from Newcastle Under Lyme Borough Council towards the cost of the work with the balance coming from the Charity’s reserves.

Area

The village of Madeley has origins in the Saxon period and is mentioned in the Doomsday Book. It is an attractive village which has a mix of Local Authority and private dwellings served by a number of small businesses.

It was originally a mining village with Lycett Colliery being close to Madeley. The colliery was closed in 1957. Madeley is situated approximately five miles from Newcastle Under Lyme and Stoke on Trent with Crewe being approximately eight miles away, thus providing excellent road and rail links to all parts of the country. It has two primary schools and one secondary school.

The Project

The demand for low cost housing has, over the past few years, become a major issue with high rents and few suitable properties being available. The trustees have, for a number of years, looked for land on which to build additional almshouses but without success.

In 2019 the trustees decided to purchase two small properties in Madeley, No.1 Greyhound Cottage and Pool View. These properties were separated by No.2 Greyhound Cottage. The two properties were purchased and renovated at a total cost of £220,000 with the proceeds coming from the Charity’s reserves.

In 2023 No.2 Greyhound Cottage became available for purchase.

The trustees considered this an ideal opportunity to own the three properties. Nos.1 and 2 Greyhound Cottages are semi-detached cottages built in 1868. Pool Cottage, which has a passageway separating it from Greyhound Cottages, was built in the mid to late 1900 century.

No.2 Greyhound Cottage was purchased in February 2024 at a cost of £132,788. The property was in a poor state of repair and needed extensive renovation and repairs.

Quotes were obtained showing estimates of between £60,000 and £75,000. At the rear of the property is a substantial strip of land which could be suitable for future development.

The house needed to be completed gutted

The improvements to the property comprised:

  • Damp course and complete re-plastering
  • Re-roofing
  • New staircase
  • New floors and coverings
  • Complete re-wiring
  • New plumbing and bathroom fittings
  • New kitchen
  • New central heating system
  • New interior and exterior doors
  • New windows throughout
  • New rainwater goods
  • Decorating

The extensive renovations of No.2 Greyhound Cottage were completed on 24 October 2024 and the trustees were delighted to welcome a young family into the property on 1 November 2024.

The Almshouse Charity of Sir John Offley writes,

“The Clerk contacted The Almshouse Association to enquire as to the possibility of a loan to assist with the costs of the renovation work on No.2 Greyhound Cottage. The help and assistance given by Fenella Hall during this process was exemplary. She gave clear guidance as to the procedure involved in making the application for a loan and the speed in which the application was dealt with was first class. Without the help of The Almshouse Association, the Charity would have had to wait many years to acquire the necessary funds to carry out the improvements required.

The Charity made the application on 19 February 2024 and the loan agreement was signed on 14 April 2024. This was quite exceptional. The trustees are extremely grateful and profound thanks go to Fenella and The Almshouse Association.”


Did you know?

Funds used by The Almshouse Association to make loans to charities last in perpetuity. Loans to charities are interest-free with just a small setup fee. As they pay back the loan over a 10 year period, the Association is able to re-lend out the funds over and over again, ensuring more almshouses can be built or older almshouses can be preserved with a new roof or modernised with extensions or wet rooms. So if you are thinking about contributing to our rolling charity support fund by making a donation or leaving money in your Will, you will know that your money will be helping to change people’s lives for the better for many, many generations to come.

To find out more, please click here


Case Study: Thomas White Cottage Homes

Replacement of deteriorated sash windows and frames

The Almshouse Association provided Thomas White Cottage Homes with a £80,000 loan towards the replacement of sash windows and frames with newly double glazed sash windows to the southern aspect of the Cottage Homes.

History

Thomas White Cottage Homes (2016) Charity is the modern incarnation of a charitable foundation created in 1886 by Thomas White, a wealthy Bromsgrove businessman and philanthropist.

Its almshouses in Bromsgrove, Worcestershire, are three substantial Victorian buildings, opened to its first residents in that year, and now, having been partially extended in 1993 comprise 14 self-contained flats, surrounded by communal gardens.

The Charity’s beneficiaries are, to quote from its constitution, “women in need of not less than sixty years of age, with a preference for such women who are resident at the time of their appointment in the area of the Ancient Parish of Bromsgrove”.

Background

The almshouses front to the south and their frontages have been exposed to sun and weather since their construction. All the windows were single-glazed, which caused noticeable condensation. The frames were constructed from Baltic Pine and despite the quality of the timber the frames and sills were deteriorating, requiring filling, painting and general maintenance, the cost of which was becoming prohibitive. In some cases sills were allowing water ingress into bay window areas, affecting internal decoration and plastering.

Research

The Charity began to explore the possibility of replacing window frames with double-glazed units, only to be halted in its tracks by the pandemic lockdown. After lockdown ended, the project was properly started and taken forward by the Charity’s Finance & General Purposes Committee.

The Charity was fortunate to have the voluntary help of Nick Reading, a retired architect who specialised in historic buildings who prepared a detailed report on the condition of the windows for the Charity.

Materials and Costing

The report laid out the options for and costs of replacement, advising that the most effective way to proceed would be to double-glaze the windows on the southern elevation of the almshouses, using UPVC units of a style which replicated the existing window frames and sills.

Although the use of timber replacement frames was considered, recent advances in the design of UPVC windows meant that the existing sash, and indeed the other windows could be replaced by frames which almost perfectly replicated the original design. UPVC was therefore an obvious choice, bearing in mind the cost advantage and the reduction in maintenance requirements.

Project Management

Our architect went on to support the Charity throughout the entire project, assisting in choosing appropriate products, programming the installation in conjunction with its suppliers, and generally keeping an eye on things as they progressed.

The Charity identified a local supplier, Diamond Windows (Droitwich) Ltd, experienced in similar projects and whose products matched the original framing so well that, after installation, it is difficult to distinguish from ten feet away whether the windows are painted timber or UPVC. The Charity appointed a project manager, and having the benefit of two recently retired commercially experienced solicitors within its ranks settled with our supplier a formal contract for the supply and installation of replacement windows.

Installation

A considerable amount of detailed planning went into the installation process, involving meetings and discussion between suppliers, trustees, warden, clerk, project manager and our supportive architect.

After taking into account the access needed by the suppliers to the site, the parking of vehicles, the potential disruption to the lives of residents and the vulnerability of some of them an installation plan was settled and implemented.

The installation went like clockwork, thanks in large part to the professionalism of our suppliers and their consideration for our residents, and was finished internally as well as externally to a high standard. Our suppliers’ carpenters were able to remodel and reuse the existing internal architraves so that from inside, as well as outside, the appearance of the windows has not changed. From start to finish the installation was completed in three weeks.

Funding

The project involved a significant and substantial financial commitment for the Charity. This involved preparation and careful consideration of fund availability and of budgets over future years.

Help was sought from grant-giving or donating local charities which provided approximately one third of the overall cost, whilst the balance was funded by an interest-free loan from The Almshouse Association.

Overview

The overall success of the project is down to:

  • the combination of expert advice throughout on all aspects of it,
  • a proper contractual arrangement between relevant parties so that each knew its obligations and responsibilities,
  • detailed and unhurried planning involving everyone concerned,
  • and an experienced and reputable supplier.

The installation of the new windows has delighted the Charity’s residents.

The condensation problem from which flats suffered has been considerably reduced, the flats are warmer and can be more easily ventilated, and the reduction in noise from the busy road to which the properties front is most noticeable. All of which has improved the quality of life within the Charity’s almshouses, for the benefit of all of its residents.

Many thanks to Malford Harris, Clerk & Treasurer of Thomas White Cottage Homes (2016) Charity for providing us with this case study. More case studies can be accessed here.


Did you know?

Funds used by The Almshouse Association to make loans to charities last in perpetuity. Loans to charities are interest-free with just a small setup fee. As they pay back the loan over a 10 year period, the Association is able to re-lend out the funds over and over again, ensuring more almshouses can be built or older almshouses can be preserved with a new roof or modernised with extensions or wet rooms. So if you are thinking about contributing to our rolling charity support fund by making a donation or leaving money in your Will, you will know that your money will be helping to change people’s lives for the better for many, many generations to come.

To find out more, please click here


Garden room for Hedger’s residents

Formal Opening of Hedger’s Almshouses New Garden Room – August 2024

Hedger’s Almshouses (founded in 1797) have been in Merrow since 1963. Until recently, they not had a permanent communal space where residents could socialise together. Happily, with the generous help from Your Fund Surrey Small Community Projects, Guildford Poyle Charities, Guildford Lions Club and The Mercers’ Company, they are now delighted to be able to offer their residents a beautiful new garden room.

The Charity is still exploring all the uses the room might be put to, but primarily it is somewhere for residents to relax and where friends and family can join them.

The official opening on Saturday 24 August was attended by residents and their guests, trustees old and new, funders, local dignitaries and friends of the charity. Despite the dreadfully wet weather, they were able to celebrate this exciting new chapter in the Charity’s story.

Cllr George Potter at the opening
in from the rain
Edward Martineau, Chair, delivering his speech

Chair, Edward Martineau, welcomed everyone and after his short speech he handed over to Cllr George Potter, whose support was instrumental to the project, to say a few words. Simon Ling, treasurer of The Almshouse Association, cut the ribbon to formally open the new garden room and guests enjoyed a delicious buffet prepared by one of our trustees.

almost finished

The original idea for a garden room was first floated in late 2023 by, trustee, Sue Tester. It was her vision to have somewhere for residents to get together and socialise. Having canvassed the residents’ opinion and got the other trustees on board with the idea, Sue began to look for possible sources of funding. She identified Your Fund Surrey in February and contacted local County Councillor, George Potter to see if he would support an application. He enthusiastically agreed to do so and the application was made later that month.

The trustees were thrilled when the funding for the full amount requested was approved in April 2024 covering the cost of the base, the building and its electrics. Wasting no time the building was ordered with the base being laid on 29 April.

With the building itself ordered, thoughts turned to furnishings and applications were made to Guildford Lions and Guildford Poyle charities. Again, they were delighted when the applications were approved and with the money granted, were able to buy eight chairs, two coffee tables, a unit to house a kettle and mugs and a portable heater.

lights on, ready for entertaining

Finally, they realised we needed an extension to our nonslip path, with a step up to the building and handrail for extra safety. An application was made to the Mercers’ Company in June. It was approved in July and the path was laid just in time for the opening.

The Charity, originally set up in south London, moved to Merrow after its property suffered damage in World War II. There are eight purpose-built bungalows offering affordable accommodation for older single women with a connection to Guildford who are able to live independently.