Fair Credit Charity LTD

Registered charity 1161809 Registered since 2015

Operates: Throughout England And Wales, Scotland

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Board DNA

How this board is put together, from Charity Commission trustee records and Companies House - deterministic, no AI.iBoard compositionCounted from the dated Charity Commission trustee register: the current board only, past trustees excluded.

4 trustees on the board

Jill Bonehill since 2021
Joanne Fleming since 2022
Jonathan Moore since 2022
Susan Tangier Lewis since 2025

3.5y median 4y

average tenure

longest tenure

trustees past 6 years

11.2y

average years in governance

First-time vs portfolio trustees

First-time (2)

Joanne Fleming since 2022
Susan Tangier Lewis since 2025

Portfolio (2)

Jill Bonehill since 2021
Jonathan Moore since 2022

company-linked trustees

Sector coverage iSector coverageThe charitable fields this board's trustees govern in elsewhere, by Charity Commission classification. Excludes this charity.

Education/training 4The Prevention Or Relief Of Poverty 4Accommodation/housing 1General Charitable Purposes 1

Commercial experience iCommercial experienceThe industries this board's members are company directors in, by Companies House SIC code. Excludes this organisation's own company.

Education 5Finance 4Professional services 3

Succession forecast iSuccession forecastThe number of board seats likely to open in the next twelve months - summed across the board from each dated trustee’s tenure - and the profile worth recruiting next. From the filed record, deterministic.

🔒 Succession forecast is a Pro feature - the board seats likely to open in the next year and the ideal next trustee. Explore Pro →

Health of the organisation facts side by side - the conclusion is yours

Income v spending, filed accountsiIncome v spendingTotal gross income and expenditure from filed annual returns, Charity Commission, last 5 years.

2020

2021

2022

2023

2024

incomespending£4.1m latest income

ReservesiReserves12 x free reserves / annual expenditure, from the Part B annual return. The sector median is computed across all Part B filers in the same income band.

9.9 months of spending held in free reserves · median for charities its size: 3.9 months · was 4.5 in 2020

22 from 27 in 2020

EmployeesiEmployeesHeadcount as filed in Part B annual returns, per financial year. Shown exactly as filed; year-on-year figures may be filed on different bases, so a comparison is only shown when the filings are plausibly comparable.

Related organisations iRelated organisationsTwo groups, both deterministic from public records. Related organisations share two or more trustees with this board - a real structural link, such as a subsidiary or sister charity. Connected through a shared trustee share exactly one person - a genuine connection, but not the same group. A board with no shared trustee at all may still appear here when it is active in the same charitable field.

Connected through a shared trustee

Empowering People Inspiring Communities Limited 1 shared trustee
Bhsf Medical and Welfare Charity 1 shared trustee

Also active in the same field

Trent Vineyard Similar size; both Poverty relief
Community Advice and LAW Service LTD Similar size; both Poverty relief
Central England LAW Centre Limited Similar size; both Poverty relief
Jesus House for ALL Nations Similar size; both Poverty relief

Deterministic, from public records.

Contact

Website	www.faircreditcharity.org.uk
Email	enquiries@fairforyou.org.uk
Phone	03334330739
Address	Unit 8 Elm Court, Meriden Business Park, Copse Drive, COVENTRY, CV5 9RG

Finances

£4,084,457 latest income

Year	Income	Spending
2020	£6,956,652	£4,418,144
2021	£4,995,091	£4,698,985
2022	£6,060,562	£4,750,630
2023	£4,844,614	£4,626,387
2024	£4,084,457	£4,150,141

What it does

What

Education/trainingThe Prevention Or Relief Of Poverty

Who

Children/young PeopleOther Defined Groups

How

Provides Other FinanceOther Charitable Activities

Charitable objects

THE OBJECTS OF THE CHARITY ARE FOR THE PUBLIC BENEFIT TO:ADVANCE EDUCATION IN RELATION TO MONEY AND DEBT MANAGEMENT;RELIEVE FINANCIAL HARDSHIP AND DISTRESS; ANDPREVENT AND RELIEVE POVERTY;INCLUDING WITHOUT LIMITATION THROUGH THE ADVANCEMENT, PROVISION AND FACILITATION OF AFFORDABLE SOURCES OF CREDIT AND OTHER FINANCIAL SERVICES TO INDIVIDUALS IN LOW INCOME HOUSEHOLDS, WITH A VIEW TO ENABLING SUCH PERSONS TO RENT AND/OR OWN BASIC GOODS FOR THE HOME AND OTHER EVERYDAY PURPOSES AND WITH A VIEW TO PREVENTING SUCH PERSONS FROM FALLING PREY TO UNSCRUPULOUS OR USURIOUS PROVIDERS OF CREDIT.

Governing document: MEMORANDUM AND ARTICLES INCORPORATED 10 APR 2014 as amended on 27 May 2021 as amended on 13 Apr 2022

Trustees (4)

4trustees

59median age

1aged 70+

Jill Bonehillage band 60-64 since 2021
Joanne Flemingage band 40-44 since 2022
Jonathan Mooreage band 55-59 since 2022
Susan Tangier Lewisage band 70-74 since 2025

Linked company (Companies House)

Fair Credit Charity LTD · 08991099 · Active

PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital) · incorporated 10/04/2014

6 governing document(s) held from Companies House.

Connected charities (2)

Bhsf Medical and Welfare Charity 1 shared trustee
Empowering People Inspiring Communities Limited 1 shared trustee

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