The Fownhope Heart of Oak Friendly Society was established in 1876; it’s purpose to help the rural workforce as an insurance should members suffer hardship whether through illness, bereavement or loss of work. Changes to the Financial Services Act 1989 made it too onerous to continue as a Friendly Society, the ‘friendly’ status (in the context of insurance) was no longer acceptable and so was dropped. But the Club Day tradition was to continue, members forming a social group...
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