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LLANDAFF  CATHEDRAL

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Giving to Llandaff Cathedral

General Information about Giving Methods


 

We very much prefer worshippers in Llandaff Cathedral to use the monthly Direct Debit way of giving (GWADD: Give With A Direct Debit) for the following reasons:

  • a GWADD gift represents your commitment. It is predictable regular income for us, and not dependent upon whether you happen to be in church or on holiday – and that helps our budgeting to be more realistic;

  • there is no handling of money within the Cathedral. Loose cash does not have to be counted, kept safe, nor taken to the bank, and all recording is done automatically;

  • tax you have paid (while ‘basic rate’ tax remains at 20% this means a further 25% of your gift) can be reclaimed from the Inland Revenue and is received in the shortest possible time, typically 4 weeks later;

  • we do not have to compile and submit claims for the refund of tax, nor keep the records necessary for the Inland Revenue’s auditors: by using GWADD, the Church In Wales office does all of this on our behalf;

  • non-taxpayers can also use GWADD – for them no reclaim is made. Higher rate taxpayers actually personally benefit (we can supply further details) and therefore can be more generous at no extra ‘cost’;

  • if you tick the ‘automatically inflate’ box, then every March you will receive a letter from the Church in Wales indicating the amount by which inflation increased in the previous year.  Your gift will then be increased by that percentage, and you will be provided with an opportunity to consider further your level of giving;

  • Direct Debits have ‘come of age’ and are now the standard way of meeting regular commitments;

  • Direct Debits are protected by the banks’ Direct Debit Guarantee which ensures that you will be refunded should any error occur.

When your GWADD and the accompanying Direct Debit Instruction (DDI) forms are processed by the Church in Wales office, you will receive a letter reminding you of your monthly undertaking, indicating when the collections will start (they are taken on the 6th of a month), and giving a reference number for your commitment.  If you quote that reference number whenever you ask to make any change, it will help to make sure that your wishes are dealt with speedily and accurately.  Should you move your account to another bank, the arrangement normally ‘follows’ the account without any action necessary on your part: the details of the change are notified electronically between your bank and the Church in Wales.  It is simple to increase or decrease your monthly gift as circumstances change: just write a letter to the Church in Wales office.  Similarly, if you move to another Church in Wales parish, you can ask for your gift to move there.  Changes requested by the 26th of a month normally take effect from the following month’s collection (by 18 December for a January collection).

There are other ways of giving. In decreasing order of preference for us, they are:

*Bank Standing Order – although apparently similar to Direct Debit (‘DD’), the important advantages that accrue from the DD method do not arise because a Standing Order can be any frequency and considerable administration is involved on our part.  We ask that these be ‘Gift Aided’ wherever possible.  You will need to ask us for our bank’s details.

*Weekly Envelopes – can be provided for those who feel that need a regular reminder about their offering and prefer to use cash or cheque.  If you pay tax, please ensure that you also sign a Gift Aid Declaration; if you stop paying tax, please continue to use envelopes (because they represent commitment) but let us know not to reclaim tax.  The amount you give may vary each week just as you wish.  Ask Fr Baldwin for a set of envelopes.

Occasional Gift Aid – primarily intended for visitors wishing to make a spontaneous gift to Llandaff Cathedral, special envelopes are provided for this.  Really designed for ‘one-off’ gifts, they may also be used on a more regular basis although you will be able to infer some of the associated drawbacks from the details given above: mainly they are unpredictability, administration effort, and a delay in tax refund.  Gift Aid envelopes can be found near the main west door.

Charities Aid Foundation –  if you use these vouchers, they are an acceptable way of making irregular gifts to us but it is important to bear in mind that these are tax-inclusive.  This means that they do not qualify for any further tax refund.  They also involve delays, and postage, in reclaiming their value, but these drawbacks (and even the voucher use) can be eliminated using their website: www.allaboutgiving.org.uk (search on ‘Llandaff Cathedral’).

Payroll Giving – your ‘employer’ passes a monthly, tax inclusive, deduction from your salary or pension to us via an agency. This injects a delay of another month, and an administrative handling charge is made – which means that we do not get the full gross amount.  Ask your employer/pension provider for details.

Loose cash on the plate is, frankly, the least effective way of giving, although we are always grateful for any offering.  It can all too easily represent little considered thought about its real value, it is not tax effective, and it has to be counted, recorded, and stored appropriately.  It also represents a degree of risk while being taken to the bank.

* giving methods marked with an asterisk need a separate Gift Aid declaration for us to be able to reclaim tax: a special form can be provided on request.

Finally: if you use Self Assessment and are due for a rebate, then do please use the SA Donate scheme to make a one-off gift to Llandaff Cathedral: our reference number for that is HAB05TG (it is also listed on the HMRC website).
 

Please address any queries to:
           Fr John Baldwin, 60 Llantrisant Road, Llandaff, CARDIFF, CF5 2PX  
           ( 029 2055 4457)
           Email: Dovemaster@cccbr.org.uk


Both GWADD and DDI forms are available from Fr John Baldwin.

 

Last Updated: 15/03/2008 19:59


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