Management of the Credit Union

Every Credit Union has a formal management structure which is required to report regularly to the Financial Conduct Authority and Prudential Regulation Authority and to prepare audited accounts.

The Credit Union Board is responsible for the management of the Credit Union.  It is assisted by various committees, especially the Credit Committee, responsible for approving and monitoring loans and the Supervisory Committee which is responsible for internal audit.  All Board and Committee members are unpaid volunteers. Members of the Board and of the Credit and Supervisory Committees are all “approved persons” authorised to act by the Financial Conduct Authority and Prudential Regulation Authority.

There is an Annual General Meeting at which every full member can vote. The meeting, which is normally held in February or March of each year, elects members of the Credit Union Board and main committees.  All full members are sent details of the AGM, including the date and meeting agenda and are invited to attend, and may nominate membership to the Credit Union Board and the main committees.


The Credit Union encourages members to take a part in its management by serving on the Board and Committees and in other voluntary capacities.

The Board (Volunteer Directors)

Arthur Chapman is a retired NatWest Bank Manager who has been a Director since the inauguration of the Credit Union and who is involved in marketing, loans and running the St Albans City and District Council's Repossession (Homelessness) Prevention Fund. Keen on all sports but now only active in playing golf.

Anthony Baker has degrees in mathematics and statistics, and worked with the UK coal industry. He has lived largely in St Albans for 30 years and is a member of St Barts Catholic church. A founder director and first chairman of the Credit Union, he particularly likes cricket, cats, roses and sweet peas.

Freda Chaloner was a career civil servant, working mainly for HMRC and retired in 2011. She has lived in St Albans for almost 20 years and was appointed as a CBE in 2010. She is Chair of the St Albans U3A and enjoys walking and reading. She is also learning history for the first time and is doing a part-time MA in British History at Birkbeck College. She has two sons who both live locally.

Neil Dishpandi (Non executive Director) Neil’s professional career is in financial services, principally in insurance at Lloyd’s of London. He qualified as a Chartered  Accountant and has spent over 25 years in senior executive roles covering  finance, operations, compliance  and risk management. He has been a resident of St Albans for nearly 30 years and is married with two children and one grandchild.

David Edwards (Treasurer) David’s career was in financial management, mostly with global IT companies. He was also chairman of trustees of a large pension fund for many years. In St Albans David is an active member of the U3A, the Chamber Opera and the Footpath Society. He is married, with two children and four grandchildren all living locally.

Marva Hall runs College Prospects of America, a company which finds sports scholarships for British students at US universities. She has lived in Harpenden for 35 years, is a member of the Harpenden Lawn Tennis Club and Our Lady of Lourdes Church. She enjoys tennis, travel and playing with her five grandchildren.

John Lickiss joined the Credit Union after a career with IBM managing projects for its clients. He has used this expertise to help coordinate projects at the Union to improve their IT systems. He was appointed to the Board in 2010.

Colin Metcalfe (Chairman) retired from paid work in 2001 after a lifetime in civil engineering. He lives in Harpenden and has been a governor of a local secondary school for 25 years. He enjoys walking and reading. He was appointed as an MBE in 2000.

Keith Whiteford  (Secretary)  took early retirement in 2008 from Nationwide Building Society where he was company secretary of their consumer lending subsidiary. After 30 years of working in consumer lending, Keith has since retrained as a counsellor and works with a local counselling charity and is a Trustee of the University of Hertfordshire Students’ Union.

Office Manager

    Martin Hunt

Andy Petch retired from his post as a Tax Inspector in 2008. He lives in St Albans with his wife Liz and two Labrador dogs. He has played an active part in a local Scout group since 1982 and has been a Governor of his children’s primary school since 1996. In the Credit Union he has run the London Colney collection point for 8 years and, after 7 years on the Supervisory Committee, now works on the credit control team for one afternoon a week.

St Albans District

Credit Union

Community Savings and Loans since 2002

Tel: 01727 859135

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St Albans District Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority


  © St Albans District Credit Union 2011

135 Hatfield Road, St Albans, Hertfordshire, AL1 4JX

Tel 01727 859135