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s e i r o Stfrom the k r o w t Ne Annual Report 2018


Are you sitting comfortably? Then let me begin……

St Andrew’s Community Network Annual Report 2018


s I have talked to lots of people about the work of the Network over the past year, I have been struck by the stories people have told me. My daughters gave some milk to the Foodbank last month. The letter they received back told them that they’d make a real difference to someone who was hungry. It made them want to give more. I know a bit more about the issues that people struggle with – like debt, the benefits system, family life and mental health crises; but I have also learned from others to listen well, to be generous with my time and my money, to value others and be less judgemental.

Whether people come to us for support in a time of crisis, or who volunteer to give back to their community, or who work here in a professional capacity the striking similarity is that in some way the Network has changed them. So instead of a report filled with numbers we’d thought we’d share some of their stories with you. Of course, we’ve had to change some of the names to protect privacy, and we’ve edited some of the stories so they read well, but the stories themselves are all real.

My name’s Kev, I live just around the corner in Clubmoor, and I’ve been involved with St. Andrew’s Community Network since 2005. At first I was a trustee, but I now work as the Chief Executive of the organisation.


As a Christian, I’m always inspired by the stories of the Bible. In Isaiah 55 it says

Let me start with a bit of my story this year. I have to say that being involved with the Network has changed my life. I came across it through my involvement at St. Andrew’s church. I’d always been interested in community work but I’d never really been part of that community. I‘d always been interested in tackling poverty and injustice – yet I’d never really known (and I mean ‘really known’) anyone who was struggling in this way. I’d always worked in professional jobs, but I’d never really led change. Having these experiences has shaped who I am as a person.

Instead of a thornbush will grow the juniper, and instead of briers the myrtle will grow. That’s my story, and hopefully a theme to the stories you will read in the following pages.


St Andrew’s Community Network Annual Report 2018

Beyond Crisis Hi, I’m Fiona and I’ve worked at the Network as a debt advisor for eight years. One of the most satisfying parts of the job that we do at the Network is help people in the middle of a crisis time of their life.


hen it comes to money advice, people often wait until things have become unmanageable, coming when the wolf is at the door. We’ve supported a lot of people who are in a bit of panic because they are on their final letter, or the bailiff is on the doorstep.

really impacted on her finances. Cath had made a number of purchases for other people on her catalogue account, but when they didn’t pay her back she started to struggle. One of the things we’ve got our eye on is guarantor loans, where people sign to say they’ll underwrite a loan, even if they don’t fully understand it.

One of the things I’ve noticed this year is the nature of debt is changing. We used to see a lot of consumer credit, but increasingly people are using debt and credit to manage the everyday expenses. I think this is because people’s income is up and down – their hours change in work, or their benefits change.

Change of circumstances is probably still the biggest cause of debt that I deal with. Marriage breakdown, the death of a family member, the loss of a job, all of these things mean someone can quickly get into trouble. If I could wish for one thing, it would be for people to get help earlier. I do deal with some people who really should change their habits to help their financial position, but the vast majority end up in debt through no fault of their own. No matter how deep the debt crisis, there’s always something we can do.

I think it’s important for people to know how easy it is for debt to become unmanageable. When I first met Andrea, the thing that struck me was how professional and articulate she was. She was holding down an important job but the costs of fertility treatment had


Hi I’m Julie-Anne and I’m officially the longest standing member of staff having started my network story in 2003, so a whole fifteen years!


y role has changed lots over the years, I started working with local families, helped set up the North Liverpool Foodbank and now work giving welfare and debt advice.

We have supported people with young children, with older parents who are moving homes, struggling with their mental health, with a risk of homelessness, with deteriorating physical health, people in recovery from addiction – and some of these things all at the same time!

It’s a privilege to share in important moments in people’s lives, and often people need a good listening ear in the midst of a crisis. I just love getting to know people and helping out where I can and there are so many stories I could tell!

There’s lots of talk these days about poverty; food poverty, fuel poverty, income poverty or any other form of poverty you care to label – but really it comes down to the same thing –

One of the things that I find is that everybody is different, and each person needs that personal approach to be able to help them properly. When I spoke to Sarah, she wasn’t ready to deal with her bankruptcy. Issues with her ex-partner were still too raw for her.

listening well, moving at people’s own pace and allowing people to find their own solutions with some gentle advice.

A few years later, having been in touch constantly, we were able to make that happen for her! People’s situations are also uniquely complicated.


St Andrew’s Community Network Annual Report 2018

Andrea’s Story

Situation High level of debt from gambling and infertility treatment. Received treatments for gambling addiction, currently clean with ability to abstain going forward.

St Andrew’s Community Network Annual Report 2018

Cath’s Story

How it ended

We set up a meeting for her with IVA specialists Aperture. They agreed an IVA would be a suitable solution for her. Andrea is proceeding with the IVA and reports she now has peace of mind, security and a definitive date when she will be debt free.

If it wasn’t for Fiona, I wouldn’t be here 6

Elderly lady who lives with her daughter. Up to date with all of her essential payments, only debt from a catalogue. Over a number of years a series of catalogue purchases made on behalf of others who failed to pay her back.

How it ended

• Single • Retired • Rented accommodation

Carly’s Story

• Married • One child • Working • Home owner

We discussed all Andrea’s debt options, but as a homeowner she could not do either a Debt Relief Order (DRO) or Bankruptcy. She agreed an Individual Voluntary Arrangement (IVA) would be the best option as it was the only one that afforded legal protection for her home.


By all accounts Cath was in a vulnerable position. We were able to get in touch with her creditor and put a hold on the interest and charges which were beginning to spiral out of control. Having analysed her income and expenditure

we were able to establish how much Cath could afford to pay her creditors back each month. She is now making regular payments as part of her Debt Management Plan (DMP) and is making real progress towards being debt free.

Situation Sole wage earner in the household. Tenant of a registered social landlord and after managing her debts for many years made no progress with reducing the scale of her debt and was finding the process stressful.

How it ended

• Married • One child • Employed • Rented social housing accommodation

We revisited Carly’s income and expenditure and gave Carly advice on action she could take to potentially increase the household income and reduce the household expenditure. Even doing this, Carly would have been paying off her debts for a large part of her life. Carly had always resisted any form of insolvency as she felt it was shameful. We explained to Carly that


there is no shame attached and as she met the criteria we asked her to reconsider. Several weeks later Carly came back to us after reading the literature we had given her and agreed it would be the best solution and we completed a Debt Relief Order for Carly. Carly is now debt free and immensely relieved, her only regret is that she did not do this sooner.

St Andrew’s Community Network Annual Report 2018

Sarah’s Story

St Andrew’s Community Network Annual Report 2018

Situation Significant debts, mainly credit cards, a large overdraft and named on the deeds of a property in Belfast that she had lived in with her previous partner. Sarah was on incapacity benefit, lived alone and had no children or other people to look after.

Gillian’s Story

Thank you for all your help and support over the years especially last July gently convincing me bankruptcy was my best option. I was too traumatised and emotional to thank you at the time, but once it was over and settled it truly was the best thing I could have done and I can’t thank you enough. You can always use me as an example if anyone else is unfortunate enough to find themselves in a similar position as me.

• Separated • 1 Child • Working • Home owner

future if anything changed. This year that happened and Sarah felt strong enough to move forward with her bankruptcy. We supported Sarah with the process of filing for her bankruptcy and talked her through what to expect from the official receiver. Sarah is now living debt free, she feels much more settled and much less stressed. Last month we received this card.



Homeowner with the mortgage fully paid off. Debt previously being dealt with via a fee paying debt management company. We were asked to review.

How it ended

How it ended We discussed Sarah’s options. Sarah was very upset and frightened of what was to going to happen. The bankruptcy option was complicated by the fact the she still co-owned a home in Belfast with ex-partner and the word filled Sarah with fear! So initially we started the process of a debt management plan with a view to maybe considering bankruptcy in the


• Married • No children • Benefits • Rented accommodation

Stuart’s story

As we listened to Gillian’s story, we realised there was more we could do to help. We always look to maximise every client’s income. We helped her apply for Attendance Allowance, severe disability and pension

credit. We managed to increase the couple’s income by £647 a month. This increase has allowed them to get a handle on their debts and overall finances. They are now able to live not just survive

Situation Single man, lives locally. Food crisis caused by change in circumstance. Professional person and never been in the benefit system before. Combination of tackling addiction and consequential family breakdown. New job on the horizon but no pay until the end of the month.

How it ended • Single • No children • Out of the system

After settling into a family members’ property, Stuart was able to manage untill payday with 2 food parcels and fresh produce from St. Andrews Distribution Centre and has gone on to volunteer with us.


After a tough move away from family and friends, not only has he received support, he’s also not isolated anymore, he’s settled in to a new job and routine of life, he’s meeting new friends in his volunteer role and is back on his feet.

St Andrew’s Community Network Annual Report 2018

Tracy’s story Life Transformation It’s not a fairy tale. It’s a true story


My name is Tracy Crookall and I am the Volunteer Co-Ordinator. I have worked for St Andrew’s for over 4 years now, but I first came to St Andrew’s as a Foodbank volunteer.


am really passionate about volunteering. When I first came to St. Andrew’s I was in a really bad place and just out of rehab for my drug addictions. All of the team were really kind and supportive and totally non-judgemental which was unexpected and a welcome change for me. I had never experienced that kind of humility and unconditional love from anyone before. St Andrew’s have continued to invest in me over the years, giving me the opportunity to train as a life coach, debt advisor, first aider & manual handling, train the trainer.

I also work closely with some of our volunteers to help them run their peer support activities. I’ve attended ATOS & Job Centre appointments with some of our more vulnerable people and even went along to support one of our volunteers in court.

I work really hard to support people who are struggling. This year I’ve spent loads of time listening to people, giving the time and space that they need in their journey.

I really love helping people and walking with them at their own pace to achieve the goals they set themselves, just as St Andrew’s have done with me.


St Andrew’s Community Network Annual Report 2018

Through the Network I was able to secure a tenancy with Riverside Housing and I signed my tenancy agreement in July 2018. The Network helped me to arrange furniture and white goods for me to put through integration programme.

When I had started volunteering with the Network I had some training for admin and reception duties. It helped me to understand the work but also gave me confidence and opportunity to meet people and communicate effectively. During this time I was also volunteering with one of the charities supporting asylum seekers and refugees in Liverpool as a cook.

Rosie’s story Before starting my story in detail, I would like to summarise the situation which brought me here. A British family had called me for a job of a nanny a few years before and promised me to help settle in this country. Unfortunately it did not work out because of the horrible abuse of that family toward me. They took advantage of my isolated position and held me like a slave. That family made me stateless, heirless, homeless and penniless. Due to these critical circumstances, I was compelled to use credit card money for my living.


I still remember that when one of their team members asked me about my educational background and work experience letters. She said

I was very distressed and disoriented due to the past life experiences. At that moment this Network not only dealt with my debt issue but also gave me an opportunity to volunteer with them.

n 2015, Salvation Army rescued me and handed me over to City Hearts, a charity caring for the potential victims of Human Trafficking and Domestic violence. I first came to St. Andrew’s to avail the services of debt advice in 2016.

Rosie – use your skills one-by-one.

“I could not even imagine how these professionals would build me up and give me respect, love and integrity to move on in my life.”


This year I came to know that I had Glaucoma. I felt terrified because I had seen my mother’s sudden blindness. Through this time everyone was praying for me and trying to help as much as they could. This act of kindness really touched my heart and I felt they are my family.

It was a turning point in my life and when the Network found out about my passion for cooking, they gave me a chance of catering for them. I won a local food competition and since then I am catering for various events and activities under the umbrella of St Andrew’s. People know me now as ‘Rosie the Cook’!

I was helped to undertake a work capability assessment at Job Centre Plus. With Lord’s mercy my glaucoma has now been healed and I have most recently got a job in customer services with a well-known company!

I can’t forget that day this year when my ‘Leave to remain’ application had been turned down Everyone was sad and trying to lift my spirit, and I asked them to help in my appeal process.

My journey is a journey from volunteer to a family member, which I don’t want to be an end.

A member of team accompanied with me to my appointments with solicitors, gathering evidence, preparing reference letters, and finally to the appeal courts in Manchester to stand as a witness. With Lord’s Mercy, I won that appeal and found a ground under my feet.

This is my story and I can believe that they are making difference in other peoples’ lives as well.

This was not an end of the journey. Following the appeal, I was allowed four weeks to stay in my house, so I needed to sort out my benefits situation and find new housing.

I will say a big thanks to all of them and praying for them to show more wonders in people’s lives. Thank you.


St Andrew’s Community Network Annual Report 2018


Vicky’s story

Making a Bigger Difference by working with others

Hi I’m Vicky and I’ve been coordinating the North Liverpool Foodbank for the past four years.


20% of the 53 tonnes we collected last year. Dave and Ian have themselves been on their own journey; understanding food poverty and navigating themselves through some tricky logistical issues.

couple of years ago I was approached by Ian & Dave, one a red and the other a blue. They had a vision that every fan could bring an item of food to Liverpool Football Club and Everton Football Club home games.

Hi, I’m John. I’ve been involved in lots of voluntary activities across the Clubmoor and Norris Green area over the years.


few years ago I helped set up the Norris Green Satellite centre to provide debt advice, and then have taken on a paid role helping others to set up centres in their areas. I still keep my hand in advising people in Norris Green as a volunteer and at our weekly drop-in at the Hope Centre in Tuebrook.

I love the way that the Network punches above its weight. We know that debt is a big issue in lots of communities and it’s a privilege to be able to help other places set up and get going and start to see more lives changed across the city.

We helped set the project up pretty quickly and we started at home games collecting in wheelie bins outside the pubs around the ground, quickly we figured out this wasn’t going to work, not nice picking out food from rubbish! We have now developed great opportunities for regular media releases and visits from 1st team players.

We started to communicate with the clubs and both clubs wanted to get behind the initiative whilst keeping it a grassroots fan based project. Over the past year, thing have really moved on. We now have a structure, a group of dedicated volunteers, a set of key games, club support, a new van, regular media coverage plus a dedicated group of fans that consistently rally support for the project from all over the world.

This year the project won the Bill Shankly Community Award for the work that has been done. The idea and project now has been taken up by lots of Premier League clubs across the country linking up with the foodbanks in their own community doing the same as what we started, we have been a part of two FSF annual conferences.

Last year, the Fans Supporting Foodbanks movement provided



St Andrew’s Community Network Annual Report 2018

It’s easy for people to find themselves in a crisis, often through no fault of their own, but there is always something we can do. Hi there we are Kay & Paul and we lead one of the two foodbank Distribution Centre teams at St Andrew’s Foodbank Centre. We love volunteering together for foodbank and get a lot out of what we put in.


ur role is to look after the team of volunteers, see that the session runs smoothly and meet people who are supported by foodbank. Often people come in and are distressed so helping them relax and feel at home is important. It’s a real privilege and a humbling experience to be able to listen to people’s stories and offer an ear, a cuppa and encouragement.

with food and supports us in what we do. Foodbank and the help we give in the centre is often a lifeline to the people we support. It also helps us understand what’s happening in our community and how vulnerable people are today.

St Andrew’s Community Network Annual Report 2018

Sue’s story


efore I retired in 2011, I knew a lady doing 3 jobs who was struggling to make ends meet. She couldn’t even take time off work to get her Foodbank Voucher and food, so I did it as a proxy for her.

That started my association with Wirral Foodbank: my church opened as a distribution centre the following year but it was very obvious that we needed to work with clients to help them before the need for the Foodbank Vouchers.

in the Foodbank Centres as a satellite of St Andrew’s Network. I originally trained to make up numbers to get the project started but I really did not think I would have the skills necessary. The training was very straight forward and with so much help available from St Andrews, I soon got stuck in. Debt advising is really about making a difference to clients lives.

I worked on a Diocesan Financial Inclusion Group and so we started Wirral Debt Advice with financial help from one of the local churches, nesting ourselves

Phillipa’s story


his year Brenda came to deliver money education courses to our year 12 students here at West Derby Comprehensive.

I have looked through the feedback and I’m really encouraged.

I work alongside other volunteers too, supporting and encouraging them along their journey, I know that across the Foodbank there are 12 centres like ours, so the Network keeps us stocked up

invaluable in this environment, where debt is increasingly becoming endemic, particularly with the young.

They boys really enjoyed the course and gained a real insight into money management and debt awareness. I think the course is excellent and


We all really enjoyed Bren coming into our school and sharing her knowledge, wisdom and patience with us.


St Andrew’s Community Network Annual Report 2018

What you can do to help?

Michelle’s story Hi I’m Michelle and I’ve lived the Clubmoor area all of my life. In my retirement I started to volunteer for the Network, helping out with administration and reception duties.




his year I was asked to become a Trustee and I’m really enjoying finding out more about how the organisation works behind the scenes.

volunteers. What’s happened this year is that some of staff and volunteers have needed to talk, so I’ve listened and been able to pray for people, again behind the scenes. It’s a real treat to be alongside people on their journey and to see the amazing way that God is working in our community.

I’ve always gone to St. Andrew’s church, known about the Network and prayed regularly for its activities, staff and





St Andrew’s Community Network Annual Report 2018

St Andrew’s Community Network Annual Report 2018

Lynne’s story I’m Lynne. I have been fundraising for St. Andrew’s Community Network alongside my role as a Customer Services Advisor and Community Ambassador for National Express Liverpool Coaches.


first heard about the Network when I was shopping in my local Sainsbury’s one day, and was handed one of the “shopping list” leaflets which listed various items that North Liverpool Foodbank were in need of. It really struck a chord with me. I stopped and read the leaflet, and then went and purchased a few bits to donate. Since then, I have volunteered at the foodbank and have organised a range of events to raise money.

their unwanted teddy bears to National Express. Over 200 teddies were donated which I cleaned up, placed ribbons on and made an adoption certificate to accompany them back out. People then came into National Express and made a donation to adopt a teddy bear, which raised over £300! Somebody had kindly donated a 6ft teddy bear which was separated from the others and was used to “guess the teddy bears name”. It was just a great fun day and everyone was involved.

My favourite fundraiser event was the “teddy bear adoption day” where I asked people to donate

My top tip for fundraising is “make it fun! The more fun it is the more money you’re going to raise!”

Stephen Twigg MP


s the MP for West Derby I’ve worked with St. Andrew’s Community Network throughout this year. Issues of debt and food poverty are really high on my agenda and I’ve managed to secure and participate in a number of parliamentary debates to make life fairer for people who are struggling in North Liverpool.

The Network is always prepared to share stories and statistics to inform this debate. I also spend some of my Saturdays volunteering at the North Liverpool Foodbank Centre at St. John’s in Tuebrook so I can hear these stories for myself. It’s so important in this climate of austerity that

organisations like St. Andrew’s are engaged on the ground, and keep telling their stories of real-life. I’d encourage everyone to get involved in local issues and be able to speak up for those who are struggling, and I’m always willing to listen and raise these issues as best I can.





St Andrew’s Community Network Annual Report 2018

I thought I’d tell you my Network story through the bits of the job I do – the finances and the numbers! The figures below show our financial year from April 2017 – the end of March 2018

897 183

Simon’s story Behind the scenes...


efore I started working at the Network I didn’t really know very much about it. I knew it was there, that it did good things, and that I generally wanted to be associated, but I wasn’t sure why. I’ve been here two years as Operations Manager, so I make sure everything works well behind the scenes.



people supported with their debts

young people given money education in schools

adults attending money education courses




people supported with benefits advice

people supported with budgeting support


volunteers. 34 new volunteers this year


People benefiting from emergency food provision

vouchers issued


people attending community events


St Andrew’s Community Network Annual Report 2018

Income and Expenditure Report 2017/18








Contract Income



MyClubmoor Income







TOTAL income











MyClubmoor Activities



Other costs



Running Costs







Donations Grant Income

Bank Interest Value of Food donated



This year we have followed new chairty commission guidance to state the financial value of food donations distributed by North Liverpool Foodbank. We have also re-stated our 2017 accounts to align with these figures.



St Andrew’s Community Network Annual Report 2018

A huge thank you to the people and organisations who have given their time and money this year. We are blessed to have so many dedicated volunteers who give their time to support, advise and help out.


Our main funders Comic Relief, Henry Smith Charity, United Utilities Trust Fund, Liverpool City Council Ward Councillors of Clubmoor and Tuebrook and Stoneycroft, the Mayors Hope Fund, Steve Morgan Foundation, but we have also received lots of smaller donations through the year which enables us to do our work.

A huge thank you to everyone! 27

And finally.... We’ve moved! We left Roscoe Primary School in July 2017, taking up residency in Larkhill Youth Centre. The space is brilliant – the foodbank warehouse is at the back of the building, and there’s space for advising and offices in the front end!

Contact details St. Andrew’s Community Network 16 LarkhIll Lane Liverpool L13 9BR 0151 2263406

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St. Andrew's Community Network Annual Review 2018  

St. Andrew's Community Network is working to transform the community of North Liverpool by changing lives and building relationships. Find...

St. Andrew's Community Network Annual Review 2018  

St. Andrew's Community Network is working to transform the community of North Liverpool by changing lives and building relationships. Find...