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Walking with people to become followers of Christ through relationship, example and proclamation of the truth and reality of God
The Crossroads Trust
How to apply |
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Application forms are
available through the following: |
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| 1) | Church Office on a Friday | Phone 432 1536 |
| 2) | lynettejones@xtra.co.nz | |
| 3) | Contacting Trustees | |
| Peter Couper | Phone 432 0524 | |
| Bruce Matheson | Phone 432 0239 | |
| Steve Malone | Phone 432 0388 | |
| Lyn Jones | Phone 432 7159 | |
| Ann Evans | Phone 432 1141 | |
| Applications for a loan may take some time to process, it is important to make this fact known to the contact people if there is urgency involved. | ||
| All information pertaining to the loan will be confidential to the Trustees. | ||
WISH TO MAKE A DONATION |
Deposits may be made to
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Direct credit donors need to write to
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| A Ministry of Waipu Presbyterian Parish | |
| Demonstrating God's love for this community. | |
The purpose of the Crossroads Trust |
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Is to offer low interest loans to people caught in a spiral of debt. This is done by direct payment of debts. No cash loans are made.
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| This ministry was modelled on a ministry at Spreydon Baptist Church, Christchurch, called Kingdom Resources Trust. The Crossroads Trust is evolving and adapting its procedures to suit the needs of the Waipu Presbyterian Parish family and the wider Bream Bay community. This ministry is one way in which followers of Jesus can become involved in the community, thus letting people know that God cares deeply about their everyday needs. The Waipu Presbyterian Parish has already been doing food parcel, budgeting advice, etc. and saw a need in the community for this service. |
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What are the reasons for giving a loan? |
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| The first priority for The Crossroads Trust is to prevent the borrower from sliding further into debt. Many debtors find that over-commitment to hire purchase and other borrowings together with unexpected expenses can lead to a situation where money owed is greater than income. The Crossroads Trust – works with the borrower by paying the high interest debt and replacing it with a low interest loan from Crossroads Fund. This may mean that the borrower still has the same weekly debt repayments, but a Crossroads Trust loan is able to be paid off sooner because, unlike interest bearing loans, it doesn’t grow. On rare occasions loans are made to prevent people from going into debt they can’t handle. On occasions satisfactory solutions are arrived at that do not necessitate a loan e.g. with budgeting advice. |
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Who qualifies for a loan? |
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| Loans are made to applicants who: Have an income that allows for regular repayments to Crossroads Trust. Agree that they will not incur additional debt until the repayment is complete. Supply two referees (not family members), people who know something of their financial circumstances, to support their application. Are willing to be open and honest about their financial situation. Will receive and act upon regular budget assistance provided by qualified budgeters from Whangarei Anglican Care and Waipu branch. Show they understand that to fail to repay the loan will seriously disadvantage other members of the community who struggle with a debt burden. Accept that a Crossroads team member will maintain contact with them during the period of the loan repayments, either by phone, mail or visit. |
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| Can only Waipu Presbyterian Parish members apply? |
No. The Crossroads Trust is available to both Waipu Parish members and the wider community. |