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22 March 2019 Halesworth & Southwold Community News Financial Focus On….… Is your (grand)child owed money by HMRC?


FOR every child born in the UK between September 1st 2002 and January 1st 2011, HM Revenue & Customs was giving away free money. Yet unbelievably, despite several reminders, millions of pounds of this money remains unclaimed. The scheme was known as


the Child Trust Fund (CTF) and was meant to encourage parents to save for their children. Initially, an amount of £500 was awarded to each


child born between September 1st 2002 and August 2nd 2010 in two tranches – £250 at birth and a further amount at age 7. From August 3rd 2010 until the scheme closed on January 2nd 2011, the amount was reduced to £50. The amount was awarded in the form of vouchers which parents could present to a CTF scheme provider (often a High Street bank) to be invested as a Stakeholder account, a shares account or


as a bank account. The CTF account, once opened, could then be added to by other members of the family up to (currently) £4,260 per child per year. Except in very few exceptional


the child circumstances


(such as terminal illness), the investment could not be withdrawn until


reached 18 but from age 16, the child could receive statements and could control the investment of the funds. If the parents did not claim


the initial award for whatever reason, the government themselves opened an account on behalf of the child.


It is


these accounts that have often been forgotten about and are largely still unclaimed.


Of all


the CTF accounts opened, it is thought that over 1.9 million CTF accounts were opened by the government in this way and, at last reports, over 1.7 million are still waiting to be claimed. As the government-invested CTF funds are highly unlikely to have been actively managed on behalf of a child – the funds will have been deposited and just left there – it is important that these accounts are not only claimed but are also reviewed to determine


whether any


decisions on their performance need to be made – perhaps by converting them into a Junior ISA.


Tel: 01986 872336


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mail@jamison-christie.co.uk Jamison Christie is authorised and regulated by the Financial Conduct Authority . ijk ur vandijk <> ACCOUNTANTS


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Providing a first class service for generations.


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ALLENS CADGE & GILBERT SOLICITORS FOR OVER 100 YRS


BUNGAY/HALESWORTH/LODDON We can help with:-


• Family matters • Property dealings • Financial affairs • Wills and Inheritance • Claims and Court advice • Trust and Charities work


Bungay 01986 893134 Halesworth 01986 875246 Loddon 01508 520361 office@acg-solicitors.co.uk


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We are a family business and promise to provide exceptional care and a truly personal 24 hour service, when you need it most.


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Even if the child was born towards the end of the scheme and received one of the smaller rewards, it is still free money from the government which can be claimed. If you are unsure whether your child has an unclaimed CTF account, you need to go online and ask HMRC at https://www.gov.uk/child- trust-funds. (You will need a Government Gateway reference if you do not already have one, so you may need to register with HMRC before you can start the trace).


Once you have found your


child’s CTF you are able to transfer the funds into a Junior ISA which works broadly under the same rules (that the funds cannot be withdrawn until age 18) but often the fees are lower.


need to shop around though as it is reported that not all Junior ISA providers accept the CTF vouchers. There are also restrictions to prevent you holding both a CTF and a Junior ISA simultaneously so the CTF will have to be closed when the Junior ISA is opened. Whilst the vast majority of


these “forgotten” accounts cannot yet be encashed - as the


youngest claimants are


just turning 16 at the moment – isn’t it better to have this money under your control than languishing unloved in location of HMRC’s choosing? For further information on


any of the above points or to discuss your affairs generally, do not hesitate to contact Robin Beadle at Ensors Chartered Accountants, Saxmundham on


01728-603005. This article seeks to address


general business and financial issues and due care has been taken in its preparation. Ensors cannot accept responsibility for loss incurred by any person, company or entity as a result of acting, or failing to act, on any material


in this publication.


Specialist advice should always be sought in relation to your


particular circumstances


HALESWORTH CAMPUS


You will


THANK you to Halesworth Library for enabling us to hold our public exhibition showing the latest plans for the Campus site. We have started to upload the plans on to the East Suffolk Planning Portal and we will complete the process in the next few days. This is a major milestone for this project, and we are delighted to have got to this stage after so long. Once the


application is published


on the portal, members of the public will be able to comment with concerns and messages of support so please do get online and look it up www. eastsuffolk.gov.uk/planning/ planning-applications/ publicaccess/


Thanks also to all those of


you who visited the library to view the information, and especially those who gave us feedback.


The facilities will


benefit the whole town and the surrounding area, and your opinions matter a great deal to us. Here is a flavour of some of the main comments: Wonderful for Halesworth.


So exciting to see it finally happening. Halesworth needs and so deserves this! This is great news to hear,


that Halesworth is finally getting the facilities it needs. I’m really excited by these


proposals – this will be a real asset for Halesworth and will reinvigorate the community. Thank you for your support and positive comments. Please can you include a community garden – to link health, mental health, the café, catering and training facilities. There is a lot of local growing expertise in this area!


This is a great idea which we Est. 1970 E. T. WEBSTER


Preservation in Action Listed Building Works A Speciality


General Building & Maintenance – Barn Conversions SPECIALISTS IN THE RESTORATION OF PERIOD BUILDINGS SUFFOLK RECLAMATION Large Stocks of Reclaimed Period Materials www.etwebsterpia.co.uk


Tel: 01502 478539 Fax: 01502 478164 FREE QUOTATIONS


Westwood Lodge, Blythburgh, Halesworth, Suffolk IP19 9NB


really want to take forward. All looks very good, just


really worried about the access via Harrisons Lane for the housing.


This has been raised by a


few people, and the planners will be considering the options. What about squash courts? We will look into this when we are thinking about further development of the site. Why so many football pitches?


The pitches will all be multi- purpose, not just for football. If footballers/rugby players use shower area it will be quite a dirty changing room. People using the spin room, equipment studio and other studios would not want to share shower area with muddy people. There


will be separate


changing rooms for indoor and outdoor activities. Please make sure there is a swimming pool. We will try, but we will need support and funding. In other news… Halesworth Day of Dance


will be held on March 30th this year and people coming to take part will be able to park at the Campus. See the “Halesworth Day of Dance March 30th 2019” Facebook page for information about the day. This summer Go Geronimo will once again be holding free activity days at the Campus. More details will be available nearer the time.


For further information


please look at our website www.halesworthcampus. org or email us at info@ halesworthcampus.org.


0174232


903652 402126


708008 699358


0326549


412555


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