The Trust is formally constituted as a Mutual Society. It is regulated by the Financial Conduct Authority (FCA), to whom it must submit an Annual Return.


The Trust also has to prepare annual accounts within seven months of the end of its financial year (31st December). These are independently checked, reviewed at the AGM and are also submitted to the Financial Conduct Authority.


 Recent accounts can be found below:


Copies of the Trust’s accounts prior to 2013 are available on request.  Please email if you would like to receive any of these.