Royal approval
Transcription
Royal approval
Open Door Issue 9 - summer 2013 The DCH magazine for our Cornwall customers Landmark new DCH rebuild gets Royal approval Royal approval! for our landmark rebuild Also inside Also inside 4 News from across our neighbourhoods 9 Benefitnews changes Residents fromupdate across our neighbourhoods 21 Meadow Flatsupdate residents welcomed back Benefi t changes Pg 4 Pg 9 Tips to protect you and your home from fi re – extra insert Meadow Flats residents welcomed back Pg 17 Open Doo r Welcome to this summer edition of Open Door Introduction Welcome to the summer edition of Open Door! This edition once again showcases news from neighbourhoods across Cornwall as well as highlighting important service updates from DCH. Incidentally - I’m liking the new logo, and am getting used to seeing it on my paperwork, in offices and even on contractor vans out and about. Changes to benefits due to the government’s Welfare Reform Act have now started to be introduced. Some important updates are on pages 8, 9 and 10. Remember that DCH staff are on hand to help. Mike Smith Chair of Peninsula Tenants’ Committee Extra insert You’ll also notice an extra insert in this edition - our new Fire Safety leaflet. There have been several fires in DCH homes recently. These are not only costly for us and for tenants, but also distressing when belongings are ruined or damaged. Have a read - it’s full of tips to protect you and your home from the threat of fire! 2 Open Door summer 2013 Issue 9 - sum mer 2013 The DCH ma gazine Cover story Meadow Flats, St Ives, see page 21. for our Cor nwall custom ers Landmark n DCH rebuild ew gets R o y Royal a p p aplpa rova l! roval fo r our landm ark rebuild Also inside Also 4 Neins ws from ide across our 9 ide neighbourhoo Res Ben efitnew nts chasnge ds s upd from 21 efi ates our acros Me Ben ow t ad neigh urh cha ngFla res estsup ide oods da tents welcomed bo Tips Meadow to pro back you Flatect ts res and you ide nts r Pg 4 hom welco e from me re – extra inse Pg 9 d bafick rt Pg 17 Contents Competitions News roundup Young voice Money matters Green news Shared ownership How are we doing DCH update Listening to you Community safety news Noticeboard 3 4–6 7 8 – 10 11 12 – 14 15 – 18 19 – 21 22 – 23 24 – 25 26 – 27 Extra insert: DCH Fire Safety leaflet Open Door is produced by a media group, staff and residents of DCH. Our competitions are only open to DCH residents and exclude resident members of the media group and staff. Information is correct at the time of going to print. Competition winners maybe featured in Open Door. Copies of this newsletter are also available in Braille, large print, audio, DAISY, or in another language. It can also be viewed on our website: www.dchgroup.com If you would prefer a different format or to receive copies via email only in future, please contact us on: 01392 814 422 Please send contributions for the next issue by Friday 19 July 2013: DCH FREEPOST (PY2092) Penzance Cornwall TR18 2BR news@dchgroup.com We were delighted that so many people took the time to enter our spring Open Door competitions. Here are the lucky winners – well done to you all! The winner of the count the bunnies competition is Ryan Johns from Redruth. He wins £15 book tokens. The winner of the colouring competition is Tyler Griffiths from St Erth. He wins £20 Love2shop vouchers. The winner of the word search is Mrs Drew from Penzance. She wins £20 Love2shop vouchers. The winner of the gardening book competition is Alison Wilcock from St Mawes. She wins Carol Klein’s ‘Grow your own veg’ book. Competitions Competition winners Coloured in by Tyler Griffiths Don’t forget the colouring competition on Page 7 and the wordsearch on the back page! 3 Bridging the IT gap Over 50s forum Active Plus are delivering a Veterans Inspiring People course in the Penzance One Stop Shop. The course includes first aid, computing and safety in the home and has been well attended. Active resident, Roni Goff, who runs the over 50s forum from the One Stop Shop in Penzance every Friday morning said: This has been a really great experience, we hope that more people continue to come to the forum – we have much more planned for the summer, it would be great to see some new faces. Residents at some of our sheltered schemes have been enjoying free computer courses. There was a particularly good take-up at Bridge Court in St Austell (photo above) where Gavin Bolton of Switch Community Ltd delivered a 6 week course. Would you like to attend any of our vibrant over 50s forums which give residents the chance to ‘have their say’ on important consultations as well as take part in training and discussions? Please contact our customer engagement team. Contact details on the back page. News roundup Gavin said: All of the group can now actively use tablet PCs to access a wealth of possibility offered by the internet and are keen to learn more. I am pleased that two of the residents will be volunteering as part of the Superfast Cornwall Volunteer Network and will be supported by me to build the confidence of other Bridge Court residents and their friends. 4 College Green College Green, St Austell residents have been enjoying regular weekly bingo sessions in the communal lounge for a few years and they are as popular as ever! It’s a good chance to have a catch-up and for some it’s their only chance to socialise. If you would like to talk about the possibility of receiving DCH financial and/or staff support for any future community events, please give us a call! Contact details on back page. Open Door summer 2013 New community hub in Hayle By Satnam Basram In May, Satnam Basram (DCH Housing Management Officer) and Sam Church (DCH Community Development Worker) relaunched a housing advice surgery from ‘The Kabin’ in Roscadghill Parc, Penzance. The first callers included a tenant who wanted to discuss a move and another who is considering holding community education sessions from The Kabin. The surgeries were also supported by local police who also use the premises to help build better links with the local community. Future sessions may include activities provided for local parents and children during the summer holidays and ‘get to know your neighbour’ coffee mornings. The surgeries were advertised by leafleting all the properties in the area. DCH residents can approach their local housing team if they would like similar surgeries in their neighbourhoods. Not all schemes have the facilities to offer this, however, with residents support, we can source venues such as libraries and local pubs that may offer us a space to work. Chirgwin Court Hayle Community Shop, in Coronation Road has been taken over by DCH resident Lindsey Griffiths recently. As well as running and developing the shop, Lindsey has cleared out a back room which she intends to use as a community hub for local residents to meet, and take part in IT and other courses for example. Lindsey also intends to develop the outside space. News roundup Housing team surgeries Lindsey said: Working with Jeni and Sam from DCH has been brilliant, they have given me the encouragement, advice and practical support I needed. Knowing that there were other people working in the community that cared as much as I did gave me a huge boost. I’m really looking forward to developing this project with DCH and look forward to meeting more lovely people in Hayle. Lindsey already employs mum Hailey, but hopes to be able to extend Hailey’s role and build up business so that she can employ others from the estate. Hailey describes that she had been out of work for 6-7 years and had been unable to find a job. She said that she now feels much more confident and really enjoys the interaction she has with the community while working in the shop. Residents of Chirgwin Court, Penzance have been busy recently. As well as working together with DCH to formally constitute a residents’ association they have also been revamping their outside space! Plans have been afoot since December and with the help of a few active residents (Angi and Mary Anne) things have really taken off. Chirgwin Court residents have already secured funding for five planters for their lovely patio area from DCH. The residents are very pleased that their efforts have paid off and plan to hold summer events in the garden and invite other residents from the Penzance area. 5 Gwavas rubbish amnesty DCH and Gwavas Residents’ Association, with support from Public Health and Protection and Clean Cornwall held an amnesty day in April. For one day only residents could use skips on the estate to clear rubbish, like sofas, beds and general household rubbish from their homes and gardens. The police and fire service also attended to inform residents about issues including security and carbon monoxide safety. The skips were placed around the estate and children also helped with a litter pick. The event aimed to encourage residents to take pride in their community and to keep a clean and safe environment to live in. Neighbourhood walkabouts Our walkabouts are very popular, giving residents the chance to meet their housing officer and point out areas of concern in their neighbourhoods. Some areas will receive pre-planned walkabouts. Other neighbourhoods will have visits, but housing officers will inform residents when they are due to visit near the time. The calendar of pre-planned walkabouts is below. Please contact your housing officer if you are interested in attending and would like more details. Your feedback at these walkabouts is really important and can lead to many improvements. For instance, take a look at page 23 to see the Neighbourhood Improvement Grants that were given because of resident views. News roundup July-Sept 2013 calendar – when are we visiting your neighbourhood? 6 July 2013 East Cornwall Bude St Neot Aug 2013 East Cornwall Gunnislake Looe Sept 2013 East Cornwall Bodmin, central Millbrook Open Door summer 2013 Mid Cornwall Camborne, central St Blazey Mevagissey Chacewater Constantine Mid Cornwall Falmouth, outer Pengegon, Camborne Gloweth, Truro Mid Cornwall Falmouth, central Illogan St Columb Tregony/Veryan St Mawes West Cornwall Pendarves St Buryan West Cornwall Heamoor St Ives, central Connor Downs Penzance, upper central West Cornwall Treneere Gwavas St Levan Pendennis Alverton Young voice Community sustainability grant - thanks! Written by Chantal The young people at the Coach House, Penzance, would like to thank DCH for the Community Sustainability Grant which has allowed us to get garden furniture (pictured above). We trained hard for the Race for Life and on the 29 May 2013 the girls at the Coach House joined the hundreds of others who were raising money for cancer research. We raised an amazing £500. Colouring competition UNDER 16s We have also been busy organising our Big Lunch event and inviting other foyers to join us and raise money for the Children’s Hospice. Find out more about it in the next edition of Open Door! Pictured: young people from the Coach House with their new garden furniture and just before their Race for Life. If you would be interested in a grant like the young people at the Coach House, see page 20 for more details. Colour in this picture and fill in your details (below). Then cut out and send to the address on page 2, to reach us by 26 July. You could win £20 worth of Love2shop vouchers! Photocopies will be accepted if more than one person in your household wishes to enter. Name: ONLY Address: Postcode: Age: Don’t forget the other competition in the magazine! 7 Council Tax update Council Tax Benefit was abolished in April and has been replaced with localised Council Tax Support. For people of working age living in Cornwall this will only cover 75% of their Council Tax, and so they will have pay at least 25% themselves regardless of their income. If you want advice about your Council Tax, you should contact Cornwall Council: 0300 1234 100 Making paying your rent simple Paying your rent on time is one of the most important conditions of your tenancy and is an important financial commitment. The easiest way is to pay by direct debit: check that your bank account allows direct debits. If your rent changes, the new amount will be taken automatically Money matters we will take your bank details over the phone and you will be notified in writing of the payments and covered by the direct debit guarantee. Or we can send you an authority form to fill out. 8 More information about how to pay your rent and what to do if you are in rent arrears can be found in our new information leaflets.They are available on our website, in receptions or from your customer services team. If you are having difficulty paying your rent, please contact us straightaway. Loan sharks They offer you a cash loan, but do not give you any paperwork. They may take your benefit or bank card as security on a loan. They might increase the amount you owe, even if you are making regular payments. They might threaten or use violence to get money from you. They come in all shapes and sizes, and although they start off as a friend, they eventually cause all types of misery. Basically loan sharks are any person or business who is not licensed to offer credit. Because they are not licensed, there are no rules about how they get their money back, or how much money they take back. Loan sharks are operating in Devon and Cornwall. If you spot a loan shark, or have borrowed money from one, you can report them anonymously: Email: reportaloanshark@stoploansharks.gov.uk or send a private message on facebook www.facebook.com/ stoploansharksproject 0300 555 2222 (24hrs) By phone: Or text LOAN SHARK and the lenders 60003 details to Details will be investigated by the England Illegal Money Lending Team. Remember, if you’ve borrowed money from a loan shark, you have not broken the law – they have. Open Door summer 2013 The Welfare Reform Act is new legislation which has been introduced by the government. It makes a number of changes that will affect tenants who receive benefits. We hope you have been finding our welfare reform updates helpful over the last few editions of Open Door. In this edition we are providing updates about the first two changes to welfare benefits which the government introduced this year - bedroom tax and Disability Living Allowance.There is also extra information about the Benefit Cap and Blue Badge eligibility. Spare room? Thinking of taking in a lodger “ If you are thinking about letting a spare bedroom to a lodger, you may find our new information pack handy. It contains key information and advice to help you decide if having a lodger is right for you. ” Spare bedroom? People of working age who have spare bedrooms have now had their Housing Benefit reduced. It will have gone down by 14% or 25% of their rent depending on whether they have one or more spare bedrooms.Tenants who are affected will have to pay the shortfall from out of their other income. If you are struggling to pay, please contact our income management team for help and advice. Contact details on back page. The government made some changes to the ‘bedroom tax’ before it was introduced: Now an additional room is allowed if a disabled child needs overnight care and so cannot share a bedroom. If you think this applies to you, you should provide your local council with evidence of the need for a separate bedroom and ask them to look at your claim again. They will now allow registered foster carers to have one additional bedroom for foster children (but only one bedroom no matter how many children are fostered), and tenants whose children are in the armed forces may in limited circumstances be entitled to a bedroom for them. Disabled adults who need an additional bedroom for their spouse because they have overnight care needs are not entitled to a room at the moment, but there has been a legal challenge to this under disability discrimination rules. We will update our website as soon as we know the outcome. 9 Thinking of taking in a lodger? Money matters Welfare Reform Act Don’t forget that if you do have a spare room and are considering taking in a lodger, we have produced an information pack which is available on our website or from any of our offices and contact centres. You would need to request permission to take in a lodger from your housing officer, and the income you receive may affect other benefits that you are getting. Changes to Disability Living Allowance Disability Living Allowance (DLA) for people aged between 16 and 65 is being replaced by a new benefit - Personal Independence Payment (PIP). From June 2013, new claims will be for PIP rather than DLA. From October 2013, existing claimants who either report a change in their condition, or whose current award comes to an end will have to claim PIP From October 2015, the Department of Work and Pensions will start to contact all other claimants still getting DLA and inform them when their entitlement will end and invite them to claim PIP instead. This will include people with indefinite or lifetime awards of DLA. There is no automatic transfer from DLA to PIP, only people who complete a new claim form will be entitled.The Department of Work and Pensions has said that it expects everyone to have been moved onto the new benefit by October 2017. 9 Who to go to for more advice If you are worried about how you will be affected by any of the government’s changes, please contact us. Remember you can also contact advice agencies including Citizens 08444 111 444, the Money Advice Advice Service 0300 500 5000 or search our website’s Welfare Reform section for further details. There are also dedicated GOV.UK advice pages and phone lines. Search www.gov.uk or call as detailed below: Get advice or information about a claim you’ve already made for Disability Living Allowance, Attendance Allowance or Personal Independence Payment. Disability benefits 08457 123 456 helpline: Personal Independence Payment helpline: 0845 850 3322 Benefit cap The introduction of the benefit cap has been slightly delayed. The decision was made to apply the cap to one area at a time, starting with just four districts in April. Money matters It will be introduced in other areas between July 2013 and the end of September 2013. 10 The cap will apply to the combined income from the main out-of-work benefits, plus Housing Benefit, Child Benefit and Child Tax Credit. It will be £500 per week for couples and lone parents, and £350 per week for single adults. Can I get a Blue Badge? A guide from the Department for Transport for people livin g in England 1 Blue Badge scheme eligibility The government have decided that, when DLA is replaced by PIP, people who score 8 points or more in the ‘Moving Around’ activity of PIP will be automatically eligible for a Blue Badge. This activity assesses a person’s physical ability to get around and a score of 8 points or more will be awarded to people who are either unable to walk or who cannot walk further than approximately 50 metres. This means that eligibility for a Blue Badge will continue to be as similar to the current eligibility criteria for the scheme as possible. Working age individuals (16 years to 65 years) with cognitive or mental impairments, conditions such as autism and carers are now not eligible to apply for a Blue Badge. Many people will not be affected by the benefit cap. This includes people over pensionable age, those entitled to working tax credits and people getting either Disability Living Allowance or Personal Independence Payment. Existing badge holders will need to apply for a new one when their old one expires. Anyone who does not qualify for a badge via their PIP award will be able to apply directly to their local authority under the ‘with further assessment’ criteria. The main criteria is for those who are unable to walk or have very serious difficulty in walking. The benefit cap will be applied at first by reducing a claimant’s Housing Benefit. The claimant would then need to pay any shortfall on their rent from their other income. If you are affected by the cap and are struggling to pay your rent, you should contact your local income management Contact details on back page. officer. The changes to the scheme do not affect people under the age of 16 or aged 65 or over on 8 April 2013, those who continue to receive the higher rate of the mobility component of the Disability Living Allowance or those who are eligible for a badge under the remaining criteria, for example, those who are registered blind. Open Door summer 2013 Consultation events have been held to obtain our customers’ views on the Green Deal. This is the government’s new initiative to improve energy efficiency and reduce carbon emissions from existing buildings. The key feature of the Green Deal is that it is a ‘pay as you save’ scheme – energy efficiency works are carried out with no upfront cost, but are paid by a charge added to the electricity bill. The consultation process provided a brief overview of the key points of the scheme and its likely impact on DCH and its customers. Customer feedback suggested that energy costs would be an issue for some. The ‘pay as you save’ aspect of the Green Deal and the potential involvement of third party contractors to deliver the work were also seen as areas of concern. The consultation revealed that most customers would prefer DCH to carry out energy efficiency improvements without involving the Green Deal. Watch this space for further updates. National Playday Playday is on 7 August and is the national day for play. It is traditionally celebrated on the first Wednesday in August. On Playday thousands of children and their families get out to play at hundreds of community events across the UK. As well as a celebration of children’s right to play, Playday is a campaign that highlights the importance of play in children’s lives. The Playday 2013 campaign theme is Playful places. The Playful places campaign is calling on everyone to help make sure that the places where children live and hang out are great places to play. To find out about playdays near you or to download a useful guide and order free resources visit: www.playday.org.uk Illegal tobacco – Harmful to your lungs, Harmful to your community On the surface, cheap tobacco might seem like a great bargain, but look a little deeper, and the harm it causes cuts deeply into the lungs of your community. Sold at pocket money prices, cheap tobacco makes it easy for our children to smoke and become addicted.The people who sell cheap tobacco often sell other illegal products, such as drugs, fake goods and alcohol, which invites wider criminal activity into the community. Add to this that most counterfeit tobacco is disguised to look like imported non duty paid, and counterfeit tobacco has been tested and found to contain, amongst other things, rodent droppings, asbestos and up to 70 times the chemical levels of “normal” cigarettes! Healthy living & green news Green Deal Trading Standards across the south west are actively investigating reports of illegal tobacco sales, and have taken a number of prosecutions over the past couple of years. For more information, go to www.stopillegaltobacco.co.uk To share information, or report any activity call Crimestoppers anonymously on 0800 555 111. For free help and support to quit smoking, call 01209 215 666 or email smokefree@cornwall.nhs.uk if in Cornwall. Devon residents can call 01884 836 024 or email: smoking.devonpct@nhs.net 11 Shared ownership Your new home is closer than you think! Shared ownership makes owning a new home more affordable. With typical deposit levels from 5% of the share price, you should need less than £3,000 to buy a brand new two-bedroom home. Contact our sales team for information on the properties featured here, or view our full range online: www.dchgroup.com/sales 01752 856 037 sales@dchgroup.com follow shared ownership @DCHsales Applicants need to be registered with South West Homes, and local connection criteria apply. Log onto www.southwesthomes.org.uk to register your interest. Coming soon to DCH Devon Shared ownership At Lanes End, Slapton, South Devon we will be offering two 2-bedroom houses for sale through shared ownership. Further information on this lovely new scheme is on our new website including images and the price list. 12 Ogwell Brook, Newton Abbot Ogwell Brook is a small development built by Linden Homes on the outskirts of Newton Abbot. We are selling seven 3-bedroom, three-storey houses through the shared ownership scheme. Situated in a secluded cul-de-sac with no through traffic, each home benefits from allocated parking, private rear garden, contemporary kitchens including a built in cooker, hob and canopy hood. We are already taking reservations for these lovely new homes, so if you don’t want to miss out, contact us today! Open Door summer 2013 At Alston Gate in Malborough (just outside Salcombe) in South Devon we will be offering four new homes (two 2-bedroom and two 3-bedroom houses) early in 2014. At Lower Poole Farm in North Molton near Barnstaple we will be providing two 2-bedroom homes. You can register your interest in these homes by contacting our sales team. At Breage near Helston four new homes are due for completion in February 2014. The price list is available on our website or give us a call. Quintrell Downs near Newquay In the picturesque village of Mylor situated between Truro and Falmouth we will be providing four new homes for shared ownership sale. We expect these homes to be very popular so contact us soon to express an interest. In St Austell there will soon be nine shared ownership homes for sale at Treggorick View with the rest of the development a mixture of open market and homes for local people to rent. At Trezaise Road in Roche four new homes will be available in February 2014. At Grampound Road,Truro five homes will be available in February 2014. At Quintrell Downs on the outskirts of Newquay we will be offering 25 houses for sale. We aim to sell the homes for either shared ownership or discounted sale. If you are interested in one of these homes call us to find out which purchasing option would be best for you. Shared ownership Cornwall Options if you are already a DCH shared owner! Life has a way of changing and sometimes your home no longer suits your needs. With shared ownership, you have options! Resales Selling on your existing shared ownership home involves a couple of up front costs. For instance, you will need to obtain an accurate valuation from a chartered surveyor, and an energy performance certificate. We have a list of approved surveyors you can use; we can also suggest a legal firm to help you. Our friendly resales team will help you to find a buyer for your home and support you through the selling process for a fee (in accordance with your lease). South West Homes (the local HomeBuy agent) keeps an up-to-date register of people wanting to buy a shared ownership home. We will contact those people for you and also advertise your home on the SWH website. Throughout the sales process we will work hard to answer all your questions as quickly as we can. We helped 64 shared owners to sell the share of their home in 2012. If you want to sell your home, contact us today. Stair-casing If your ambition is to own your existing shared ownership property outright, we can help you with that too. Simply find out the value from a chartered surveyor and tell us what further percentage share you would like to purchase. In most cases you can start by buying an additional 10%, but since you will need to use the services of a solicitor, we usually recommend that you staircase in tranches of 25% to make it cost effective. You can then continue to staircase until you own 100% of your home. However, in some rural areas you will be restricted to a maximum of 80% ownership. This is to ensure that shared ownership homes in rural areas are retained for local people. Why not contact our resales team today to find out how we can help you. Call us on 01752 856 037 or email us at sales@dchgroup.com 13 ren 10 children, daughter Lau Mrs Gardner with her Sales Adviser H DC rp, Sha Deborah and son Harvey 7 and home. The DCH sales team were able to talk through every step of the process which we found very straightforward. DCH first shared owners move into Cranbrook, Devon The Gardner family moved into their threebedroom, three-storey home through our shared ownership scheme in April. They found out about shared ownership through South West Homes, the Homebuy agent for the south west. Our DCH shared ownership sales team supported the family every step of the way to owning their own home. Shared ownership Mrs Gardner said: We are delighted with our new home at Cranbrook as we get to stay within close proximity to the rest of our family in an area we grew up in. We chose shared ownership as it suited the way we wanted to approach buying our own 14 Deborah Sharp, DCH Shared Ownership Sales Adviser said: Our high-quality affordable homes are prioritised for local people, helping them to gain a firm foothold on the property ladder. We were able to show Maureen and Stuart that they could purchase a share of the property, with a subsidised rent payable on the unsold equity at this fantastic scheme. We gave the family advice and support throughout the sales process including putting them in touch with a financial adviser. Cranbrook will boast two primary schools, a secondary school, a community centre, doctors’ surgery and excellent transport facilities. We will be advertising further homes for sale at Cranbrook either through shared ownership or open market sale. For more information and advice on purchasing a shared ownership home you can email sales@dchgroup.com or call us us 01752 856 037. View our new on homes at Cranbrook on our website www.dchgroup.com Highlighting shared ownership in Cornwall Our DCH sales team teamed up with the National Housing Federation for Shared Ownership Week in March. We highlighted the benefits of shared ownership with the naming of our multimillion pound scheme at Polmennor Drive, Carbis Bay, Cornwall. Local MP Andrew George officially named the scheme ‘Peal Drive’, a name chosen by twin sisters Mia and Ella Cole and pupils from St Uny Primary School in Carbis Bay. Due for completion in summer 2013, the new scheme at Peal Drive will provide 44 new homes for rent and shared ownership. Twelve homes will be shared ownership properties, enabling local people who cannot afford to buy a home outright to take a first step on the property ladder. All the new homes are now under offer. We are delighted to have received an overall customer sales satisfaction score in 2012/13 of 96.77% Open Door summer 2013 In this edition of the DCH performance update we report on: the latest information about ServiceWatch, the team of residents who watch over our services and provide a customer view the latest performance results for the main services that we provide. This is in a new format approved by ServiceWatch, based on customer feedback more detailed performance information relating to our customer care and antisocial behaviour services. How are we doing? How are we doing? ServiceWatch There are currently 11 resident members of ServiceWatch and they have an important role keeping an eye on our customer services and the decisions made by the boards of DCH and West Devon Homes. The team has now met 10 times, and recently it has: looked at the main decisions made by the DCH boards and asked for more information where required to carry out scrutiny completed a review of income management including: how we help to prevent tenants getting into rent arrears the letters and statements that we send residents how we are preparing for government changes to welfare reforms. continued to monitor our performance at every meeting, looking at performance targets and results. ServiceWatch has approved a new format for performance information and this has been introduced in this edition continued a review of how we deal with empty properties and help people move into their new home. ServiceWatch is particularly interested in the Homechoice service and also any reasons for delays in the time it takes to fill an empty home received a presentation of the latest results of the satisfaction survey of our social rented tenants satisfaction survey looked at how DCH deals with complaints across Cornwall and Devon presented the DCH boards with their review of the repairs service and an update on how successfully the ServiceWatch team has progressed. The final report will be reported to the DCH boards. 15 Our performance at the end of March 2013 The following performance information is in a new format approved by ServiceWatch. Performance in each service area is illustrated by a dial and this is followed by an explanation of any service issues. If you require more detailed information then tables of performance information are available on the DCH website. We have an overall aim of being in the top 25% of housing associations. This is known as top-quartile (Q1). The quartile position is mentioned in the text below. Q1 is excellent, Q2 is above average, Q3 is below average and Q4 is very poor. Dealing with empty properties our re-let times average 34 days and are not achieving the DCH target of 21days, resulting in Q3 performance Devon general needs properties are being let in an average of 27 days, Cornwall is 35 days supported housing re-let times of 29 days are also not achieving the target of 19 days, resulting in Q3 performance How are we doing? the number of properties currently vacant is within target, resulting in Q1 performance 16 supported housing due to empty homes rent loss is higher at 11.26% (Q4) nearly 9 out of 10 new tenants are satisfied with the lettings process (87%), however this is below the target of 95%. the amount of rent lost due to empty homes is successfully within target for general needs and sheltered (0.70%), resulting in Q1 performance. However, Devon is at Q2 (0.80%) due to some harder to let sheltered properties DCH - average re-let time in days for all homes 35 30 25 20 April May June July Aug Sept DCH last year DCH this year Open Door summer 2013 Oct Nov Dec Jan Feb Mar the total arrears performance for current tenants is at 2%. The lower this figure, the better our performance. Performance continues to improve and has successfully achieved the target of 2%, resulting in Q1 performance supported housing arrears performance in Devon is 1.54% and has also improved and is Q1. Performance in Cornwall improved to 3% but is not yet achieving the target and is Q2 overall shared ownership arrears is 1%. Performance has achieved the target of 1% resulting in Q1 performance. There is a difference between Cornwall (3%, Q2) and Devon (0.78%, Q1) former tenant arrears (1.63%) are more than the target of 0.68% resulting in Q3 performance there have been 36 evictions for arrears since 1 April 2013, 24 in Devon and 12 in Cornwall. DCH - current tenant arrears total as a percentage of rent due for all homes 5 How are we doing? Collecting rent 4 3 2 1 0 April May June July Aug Sept Oct Nov Dec Jan Feb Mar DCH last year DCH this year Customer care, and anti-social behaviour there have been 819 reports of anti-social behaviour (ASB), 281 in Cornwall and 538 in Devon there are 256 ASB cases in progress, and 751 cases have been closed this year satisfaction with ASB has improved to 71% against a target of 87% resulting in Q3 performance 71% of calls taken by the contact centres have been answered in the target time. 85% in Cornwall and 58% in Devon. A detailed review of the service has been carried out and there is an improving trend in performance 61% of complaints were initially responded to in the target time, against a target of 100% there have been 672 formal complaints made about our services since 1 April 2012, 10 reached stage three and 5 were referred to the ombudsman satisfaction with the complaints process is now being monitored but more responses are needed before performance can be reported. 17 In this issue of Open Door we are providing further information about our customer care and anti-social behaviour services. The following charts are taken from the annual satisfaction survey of our customers and provide more detailed information regarding customer satisfaction. Percentage of customers satisfied 100 90 80 70 60 50 40 30 20 18 We take customer satisfaction really seriously and we are working hard on improvement plans for our weaker areas. There will be more information on this in the next edition of Open Door. 90 80 70 60 50 40 30 20 10 The way DCH deals with antisocial behaviour Awareness of DCH's formal complaints procedure 0 Open Door summer 2013 Satisfied with the final outcome of your query Satisfied that DCH can deal with questions quickly and efficiently DCH returned my calls in a reasonable time DCH answered my questions within a reasonable time DCH staff are generally helpful It is easy to get hold of the right person 100 Percentage of customers satisfied Satisfied with the way DCH deal with complaints How are we doing? 0 DCH are good at keeping me informed about things that might affect me 10 DCH Update Farewell to… Graham Facks-Martin At the end of January, we said a fond and sad farewell to Graham Facks-Martin who retired as a board member, having served the maximum nine years. Graham joined Tor Homes in 2004 as an independent board member following Tor’s partnership with William Sutton Trust. He has over 30 years’ experience in housing issues at local and national level and has provided invaluable support and knowledge, whilst serving on the board of DCH and its committees and the boards of Tor Homes and PHA. nalised Photo: Graham’s perso ke ca board meeting Special offer Report your broken meter box to us between June and the end of August 2013 and we will cover the cost! From September meter box repairs will be recharged if the damage is due to your neglect. What to do if your gas or electric meter box door is broken or missing? You can contact us or report the repair online. Contact details are on the back page. You will be charged for this unless: the meter box was vandalised and you reported it to the police and have a crime incident log number it can be evidenced that the energy company had visited in the last 14 days to read the meter and did not close the box properly if Western Power (electric) agree not to charge you can also report the repair directly to the energy and water companies. Keep your energy meter in good condition use a meter key to open and lock the meter don’t leave the door open to be damaged by rain and gusty wind damage to water meter housings should normally be reported direct to the water company South West Water as they do not belong to us. Type of meter Who to contact Western Power Electric 0845 601 2989 Wales and West Utilities Gas 0870 165 0597 South West Water Water 0800 169 1133 Free meter key If you do not have an electric and gas meter key, now is the time to claim your free one by telephoning your local contact team or emailing: freemeterkey@dchgroup.com please give your name and address. 19 ... NHS1 J22031 Call24 AW for Advert.indd 1 1/5/12 17:30:48 Could your residents group do more if they had a little more money? fun day or play day for young people community newsletter community arts workshop DCH Update Community sustainability grant 20 Is there a little bit missing? That extra bit of money to help you improve your life skills, or your residents’ group to do more in your community? Look no further! We offer our residents the opportunity to apply for an award of up to £250 for: courses that are not eligible for a local authority grant training and job opportunities development of life skills mentoring or coaching projects that encourage social enterprise courses that promote money management. Open Door summer 2013 games and books for the communal lounge educational trip to the theatre community mosaic or wildlife garden football team kit. Residents groups and associations can apply for a grant of up to £500.Your group will need its own bank account and set of rules to be eligible. Don’t worry if you don’t have these as our friendly community development workers are on hand to help you get everything you need in place to make an application. Contact details on back page. Residents were welcomed back to their homes at Meadow Flats, St Ives on Friday 26 April following a large scale rebuild project. The following month, two of the residents, Jennifer McLardy and Doreen Pink, even got to meet the Queen who had visited the Tate St Ives next door. The multimillion pound housing development next to Tate St Ives has been described as a ‘fantastic flagship’ for St Ives. The project has created 26 modern homes for older people; replacing the 20 apartments at Meadow Flats which had stood overlooking Porthmeor beach since the 1950s. It has also enabled Tate St Ives to develop its complementary plans to extend and improve the gallery. Andy Moore, Chief Executive of our housing services in Cornwall, said: We have worked closely with the Meadow Flats Advisory Group during the design and planning period to ensure they would get a scheme that would meet their needs entirely. We employed a tenant liaison and resettlement officer to provide residents with continued help and support throughout the project. Jennifer McLardy from the advisory group said: The Phoenix has indeed risen from the ashes of the former Meadow Flats in St Ives. Residents moved away from their homes around 4 years ago in order for DCH to demolish and then rebuild the deteriorating flats adjacent to the St Ives Tate Gallery. DCH update Residents are welcomed back to Meadow Flats to hear that both new - and returning residents - are impressed and delighted with what the new complex has to offer stunning panoramic and enhanced views across the hypnotic Porthmeor Beach, with accommodation especially geared for people with health and mobility issues. The homes constructed by Leadbitter, and designed by Poynton Bradbury Wynter Cole, have replaced the original flats, which were located in three separate two-storey blocks on a very steeply sloping site. The new development includes a passenger lift, a stair-lift, communal lounge facilities, thoughtfully designed layouts and features to assist with daily living. The homes have under-floor heating provided by sustainable energy. Cornwall Council have provided funding, and the Homes and Communities Agency have invested £1.25million in the scheme. DCH has worked closely with partners, including a resident advisory group, St Ives Town Council and Cornwall Council members to design a scheme with enhanced facilities and features. The new Meadow Flats have been beautifully designed and created and we thank everyone involved in this challenging project. Meeting the Queen was the icing on the cake after moving in to my new home. She was really lovely and very interested 21 Farewell to… Eric Parton Eric Parton resigned from the CIC Board (Cornwall) in January, due to personal circumstances. He thanked his fellow board members and staff for the welcome and support that he had received during his time on the board and whilst a member of DCH’s regional committee in Cornwall. DCHvoice Membership cards Our residents make a big difference to the services we deliver through our renamed engagement register ‘DCHvoice’, which has over 1,000 members so far. Listening to you We will now be giving all our DCHvoice members a membership card with a unique reference number. This number will appear on any involvement information we send you, so you won’t have to complete your details on questionnaires and when signing-in at meetings or community events. 22 If you would like more information about joining DCHvoice, please contact our involvement team on 0300 303 8080, or email involvecornwall@dchgroup.com To find out more about getting involved with DCH and improving our services, we have a new ‘Making a difference’ leaflet. It is available on our website, in receptions or from your customer services team. Finding out what residents think about our service standards In March, as part of agreeing new DCH housing service standards, we consulted widely with residents, staff and stakeholders. Residents were invited to complete a survey or attend focus groups across Devon and Cornwall. We were really pleased with how many people took part and were impressed by the energy and ideas that residents put forward. We looked at our housing service standards and what we promise to delivery for: • repairs and maintenance • neighbourhood management (including dealing with low level anti-social behaviour) • customer contact (including complaints) • resident involvement. We are currently carefully considering all of the feedback from residents and staff so that our new set of service standards can be finalised. We’ll report back to you about the final set of standards in Open Door. They will also be made available on our website and in receptions. We will of course feedback in detail to those who took part. Do you have communal cleaning where you live? Every six months we send satisfaction surveys out to a selection of residents who receive communal or window cleaning in their block of flats or area. If you receive a form please complete it as your feedback, whether positive or negative will be used to ensure the scheme continues to run for your benefit. If you have any queries regarding the cleaning contract then 0300 303 8030 contact Kara Attmere Open Door summer 2013 Listening in the community Andrew George came to visit the residents group at Chirgwin Court where many issues were discussed. One of which was the possibility of a pick-up/drop-off point outside the flats. This is due to the congestion outside and the fact that for years the residents have been inquiring about an ambulance parking space that could also be used as a taxi drop off and pick up for the flats. You may remember me from my introductory article in the spring edition of Open Door. I have quickly settled into my new role which is hosted by DCH in Cornwall and am having a really great time listening to residents. I have already heard some really inspirational ideas regarding community projects. So far, working with you, we have listened to your ideas and supported the setting up of residents’ associations, applied for and secured funding through neighbourhood improvements grants, improved communal areas, met with the local MP and developed great friendships. Residents have been told that the cost for this is too much at around £3,000. It was agreed by all that £3,000 was a disproportionate charge for the work and Andrew George has agreed to pursue the matter with other ministers. Neighbourhood Improvement Grants By Jeni McFadden, DCH Community Organiser Listening to you Residents having their say in Penzance If you would like to know more about community organising, or if you would like me to go out ‘listening’ in your community please give me a call! I will be more than happy to come along, and assist with the projects that follow. Contact details on the back page. Look around your neighbourhood, would that patch of grass look lovely with some new plants? How about a bench to sit on? If you have an idea for improving your neighbourhood and would like to apply for an improvement grant, please get in touch. If your idea meets certain criteria, competitive quotes are obtained and a simple application form is completed. Your idea will then be considered by fellow residents at your local Area Liaison Panel. It’s as simple as that! Some recent projects include… Foote’s Field, Truro now has a new gate with a ‘Residents Only’ sign for resident security as well as two new benches and recycled plastic, vandal-proof bins. One resident said: Thanks for getting this work done! It will make a big difference to the garden area being used by everyone not just by the children. We have already had tenants sitting on the bench enjoying the sunshine. Wilson Way, Par residents wanted to replace a stone wall boundary with a fence. The key resident who locks up the play park each evening now hopes for a bit of peace. There will no longer be any climbing over of the wall and so loose stones will not be causing damage, mess or used as missiles. 23 A day in the life of… Tenancy enforcement by Carly Hicks Community safety news The tenancy enforcement team consists of David Ellin and Pat Devereux and Carly Hicks. David and Pat are tenancy enforcement officers who oversee the west of Cornwall (David) and mid and east of Cornwall (Patrick). Carly Hicks, Tenancy Enforcement Assistant, assists them and as you will read, she has a varied and busy role. 24 8:45am First thing, I check all emails, keeping an eye out for any anti-social behaviour (ASB) reports that have come through from Respect Line overnight. 9:30am I have an appointment with a tenant who has had noise monitoring equipment installed in their property due to an ongoing noise complaint. I shall be uninstalling it this morning and then I shall be off to install it for another tenant. They have sent us diary sheets containing details of noise nuisance from the flat below. The noise monitoring equipment will capture the noise level and allow us to take appropriate action. 12:00pm Back at the office to scan some paperwork onto our database system. David is out this afternoon conducting a joint visit with the police to address an ASB incident. I finish off all my ‘odd jobs’ before I have my half an hour lunch break. Open Door summer 2013 1:00pm I receive a call from Pat. David is applying to the courts for an ASB injunction and has asked that I visit our tenant this afternoon to take a witness statement. 2:30pm After taking the witness statement I head straight back to the office to type it up. This is then sent to Pat who will print off and add to his court bundle. 3:15pm I start making calls to tenants who have had their ASB cases closed, but who haven’t returned their satisfaction surveys. I complete the surveys over the phone with the tenants. This feedback helps us to improve in areas where it is needed and makes it clear which areas we do well in. 4:00pm I check my diary for tomorrow. I have a neighbourhood walkabout in Penzance. I need to prepare my paperwork and notes so I am ready to go in the morning. It’s a good opportunity to meet with tenants and identify any ASB issues. 4:30pm I receive a call from a tenant who is quite upset by an incident that has just occurred. I reassure her and explain where we are in the process of dealing with the case. I also stress that if she feels threatened she must not hesitate to call the police. I log the details of the call and incident on the case log number and explain that I will call either tomorrow or the following day with any updates I may have. To report issues of ASB out of office hours our Respect Line details are on the back page. Or you can read more about how we deal with ASB in our leaflet ‘Give respect, get respect’. It’s available on our website, in receptions or from your customer services team. You may be contacted by a contractor for access to your home to carry out a service. Listed below is some of the equipment we service on a regular basis, with a brief description of why the servicing is necessary. It is important that you allow contractors into your home to complete this vital work. We may take legal action against you if access is denied. Smoke detectors The fire service state that the fitting of smoke alarms, and ensuring they are carefully and properly maintained, could give you those precious few extra minutes in which to make your escape safely. Solid fuel - soundness testing HETAS advise that you make sure your chimney is swept at frequent intervals. Use a HETAS approved chimney sweep. A blocked or restricted chimney will reduce flue performance, increasing the chances of the appliance spilling CO2 and other fumes into the property. Renewable energy It is essential that renewable energy appliances are serviced regularly for the efficiency of lowering carbon and to continue saving money on your energy bills. As your landlord, we have a duty of care to ensure this important safety work is carried out. Radon fans and ventilation Radon is a natural gas found in soil and rocks. It has no colour, taste or smell but radon in the home presents a health risk. The Health Protection Agency recommends that radon levels should be reduced in homes to a safe level. Regular servicing of ventilation equipment is desirable to ensure safe low levels of radon are maintained in your home. Stair lift servicing LOLER, the Lifting Operations and Lifting Equipment Regulations 1998 advises an effective maintenance programme will make equipment more reliable. Periodic service inspection of your stairlift will reduce the incidence of inconvenient breakdowns and help to ensure your stair lift is maintained in a safe condition. Electrical equipment testing Community safety news The importance of servicing The Electrical Equipment (Safety) Regulations 1994 requires that all mains electrical equipment (cookers, washing machines, kettles, etc), new or second hand, supplied with the accommodation must be safe. This is often known as Portable Appliance Testing (PAT). As a result, we regularly maintain the electrical equipment we supply to ensure it is safe. Periodic electrical inspections The Electrical Safety Council recommends the following: ‘If the safety of the users is not to be put at risk, it is important that every installation is periodically inspected and tested by a competent person’. 25 D R A O B E C I NOT Volunteer Befriend ers needed in West Cor nwall Are you a caring perso n? Do you have a spare hour in your we ek to have a chat and a cup of tea with someone or to take them along to a com munity social club? Our housing support se rvice is looking for volunteer befrienders to visit people who are isolated rurally or from their family and rarely get to see anyone. If so please contact Ma ria Clark, Volunteer Coordinator on 07966 662 805 or email maria.clark@dchgroup .com No experience is nece ssary as relevant police checks (CRB) an d training will be provided. Passionate about learning outside the classroom? ur enthusiasm Keen to share yo g people? and inspire youn ide Project aims to prov ns io ct ne on C l ra The Natu arn in the ties for pupils to le regular opportuni ers and t, by removing barri en m on vir en l ra tu na oors. ilities to teach outd ab s ol ho sc g sin increa rsity and by Plymouth Unive It has been piloted English d l England, Defra an funded by Natura . Heritage until 2016 nwall to r volunteers in Cor They are looking fo exciting er innovative and help teachers deliv scientific e curriculum, from th ss ro ac s itie tiv ac pupil’s racy work, to raise investigations to lite ance! rm prove their perfo aspirations and im nity to have the opportu ill w rs ee nt lu vo rn In retu dge, learn p their own knowle share and develo e, whilst practical experienc new skills and gain ance to support and the ch g, in in tra ng ivi ce re breaking project. be part of a ground t: ion please contac For more informat ymouth.ac.uk emily.cannon@pl 01752 585 397 or 26 Open Door summer 2013 Members of our Media Group have a soft spot for an ancient book which we feature extracts from in each edition of Open Door. Here is so me ye olde advice about what to do to se cure a loose tooth from Mrs Black’s book ‘Consult me for all you need to know’. We would of course recommend you visit a dentist instead! Untaxed + Un roadworthy = Unfortunate Untaxed and unroadworth y vehicles parked in fron t of houses o r on our land can ma ke even the b rightest of neighbourh oods look un tidy and uncared for. Malcolm Hitc hens, a Truro based housing man agement offi c er, and Patrick Devere ux, from our te nancy enforcement team, took le gal action with such a c ase only rece ntly. Our repeated requests to a tenant to remove their untaxed vehic le had been ignored so we asked the courts to order its re moval. The injunctio n was grante d which meant that th e owner of th e vehicle would no lon ger be just ig n oring DCH but he risked being in ‘con te mpt of court’ and po ssible impriso nment. As you can im agine the veh icle was moved within three days an d at a hefty cost to the ow ner who had to pay the legal costs a s well. Please be wa rned that we do have the means to take very pro mpt and effective lega l action. Don’t let this happen to yo u! Did you miss out on your £130 energy payment last winter? Many people were eligible for the government’s Warm Home Discount Scheme and didn’t realise it. The scheme, which is designed to replace social tariffs, provided a £130 rebate to electricity accounts during the winter. This will increase to £135 next winter. Anyone claiming the guarantee element of Pension Credit should automatically get the rebate, but all suppliers have a ‘broader’ category of other individuals who may be eligible. The eligibility criteria vary depending on supplier, but should target ‘vulnerable’ groups. For example, if you receive an income-related benefit plus a disability or employment allowance, or you have a child under 5, you may be eligible. Eligible customers on prepayment meters will also receive a credit. People who fit the additional criteria MUST apply for the rebate. The ‘broader’ category is on a first come first serve basis so register NOW for next winter. Contact your supplier or check out their websites to see who is eligible. For general impartial help and advice regarding energy issues please contact the Warm Me Up! project at Community Energy Plus 0800 954 1956. A new approach to customer complaints Inspired Cashpoint... has just opened and is now offering grants of up to £500 for 14 - 25 year olds to run volunteer ing projects in their communities. Th ey are looking to support exciting an d creative project ideas from yo ung people, the project ideas mus t originate from young people and an y funding will be paid directly to th em. For further information call 020 7960 7000 or vis it http://vinspired.com opportunities/10066 Resource pack My Community Starter is a FREE online information resource for people who want to get involved in organising smaller, straightforward community activities. Get some guidance on how to set up and plan your community group’s or individual activities Get a FREE, personalised “My Community Starter” Pack to help get your activity started. www.mycommunitystarter.co.uk You should tell us straightaway if you are not satisfied with the standard of service you receive from us. Your feedback is important because it helps us learn and improve our services. We will try to put matters right straightaway, but if you are not satisfied you may wish to make a complaint. We have a formal complaints process which is designed to make sure that complaints are fully investigated and resolved. Sometimes, however, customers may still feel things have not been put right. try to resolve their complaints. We would like to create a team of Customer Complaints Agents, living in Devon or Cornw all, which customers can contact when they need to ask for help. The team memb ers will be registered with the Housing Om budsman as a recognised tenant panel. We will arrange training and support you throug hout the role, and help customers contact you if they wish. It doesn’t matter where you live as long as you are a member of DCHvoice .You will not be asked to help every time, jus t when the customer lives locally to you. The next step is to contact a designated For more information please con person. This can be a local councillor, tact: an MP or a recognised tenant panel Devon - Alice Potter on 0300 123 8080 for DCH these are our Customer or email involvedevon@dchgroup.com Complaints Agents. Cornwall – Leanda Flower on We are looking for customers who are 0300 303 8030 or email interested in helping other customers involvecornwall@dchgroup.com 27 w 10 to My 10 reasons to choose choose My Home HomeMy Home 10reasons reasons to choose Contents Insurance Scheme Contents Insurance SchemeScheme Contents Insurance • Flexible regular Pay-As-You-Go • Covers theft, water damage • Covers damage to external glazing •• Flexible regular Pay-As-You-Go •and • for Covers damage external glazing Covers damagetheft, water payment options fire theft, water which you aretoresponsible Flexible regular Pay-As-You-Go • Covers • Covers damage to external glazing damage options and fire for which responsible payment options fire fuss, quick and easy to apply damage toand internal lostyou or are stolen keys and for which you are responsible • Nopayment • Covers • Covers fuss, quick and easy apply Covers damage to internal damage• freezer Covers lost or stolen keys and• Covers lost or stolen keys and •• No either through the post or to over contents No fuss, quick and easy to•decorations apply to internal • Covers either through the post or over decorations freezer contents the telephone either through the post or• over Covers accidentaldecorations damage don’t need to have special freezer contents • You telephone the telephone accidental damage Youdamage don’t need to have special• You don’t need to have special •toCovers • door excess (you don’t pay the • Nothe sanitary fixtures such as accidental or window locks • Covers excess (you don’t the pay the •• No to sanitary fixtures as door or window toilets and washbasins first part of the claim) No excess (youpay don’t to such sanitary fixtures such as door or window locks postcodes arelocks included • All toilets and washbasins first part of the toilets and washbasins first part ofclaim) the claim) • All postcodes are included • All postcodes are included Sums insured are available from £6,000 to £35,000; all premiums, terms and conditions contained Made Sums insured are available from £6,000 to £35,000; all premiums, terms and conditions contained Sums insured arepack. available from £6,000 allpack premiums, terms and conditionsM contained within the free information Ask your housing providerto for£35,000; an information or telephone foad re within thethe free free information pack. Ask pack. your housing for an information pack for or telephone within information Askprovider your housing provider an information pack or Te telephone fo 5441_04/10 5441_04/10 5441_04/10 0845 337 2463 0845 337 24632463 0845 337 nan r ts Tenants Customer Services Team Mad e for Tenants 0300 303 8030 (in and out of office hours) Email: cornwall@dchgroup.com The National Housing Federation My Home Contents Insurance Scheme is a product name arranged and administered on behalf of The National Housing Federation by Jardine Lloyd Thompson Tenant Risks. A division of Thistle Insurance Services Limited. Lloyd’s Broker. Authorised and Regulated by the Financial Services Authority. A part of the Jardine Lloyd Thompson Group. Registered Office: 6 Crutched Friars, The Housing Federation My Home Contents Insurance Scheme is Insurance a product name arranged and behalfarranged of The National Housing Federation byon Jardine LloydofThompson Tenant Risks. TheNational National Housing Federation My Home Contents Scheme is aadministered product on name and administered behalf The National Housing Federation by Jardine Lloyd Thompson Tenant Risks. London, EC3N 2PH. Registered in England No. 244 2321 96. The National Housing Federation is an Appointed Representative of Thistle Insurance Services Limited. A of Thistle Insurance Services Limited. Lloyd’s Limited. Broker. Authorised andBroker. RegulatedAuthorised by the Financialand Services Authority. Aby part of the Jardine Lloyd Thompson Group. Registered 6 Crutched Friars, Adivision division of Thistle Insurance Services Lloyd’s Regulated the Financial Services Authority. A partOffice: of the Jardine Lloyd Thompson Group. Registered Office: 6 Crutched Friars, London, EC3N 2PH. Registered in England No. 2321 96.No. The National Housing Federation is an Appointed Representative of Thistle Insurance Services Limited. London, EC3N 2PH. Registered in244 England 244 2321 96. The National Housing Federation is an Appointed Representative of Thistle Insurance Services Limited. Win0 £U2CHERS Wordsearch Win £20 worth of Love2shop vouchers in our seasonal wordsearch S U S T T H H A O I L H I Y D O A A Y H T H N E E A T W D S M A E T C E S B A R B E C U E S AND A L S J R U T S WH E N S GN U MM E M S U L B I K I N E S AR U DO U T T WE N R R E S W I MM I N G T N DO F E O J N R S D E F I I E S ORW I T O E ACH E A A U Q S CU S I CN N R E T H N A T E N R T Y S V E O F S E P T E M M U R G O L F U N H T O N C B H I L S N A S N I T U X U O E E T S Y D X E L L A B E S A B R S O T T T C E S H M N E N R Search through this maze of letters for the seasonal words that appear in the list above. The words are written forwards, backwards, diagonally, up & down. When you have circled all of them, cut along the dotted line and send it to the head office (opposite) or to the address on page 2 before 26 July. You could be the lucky winner of £20 vouchers. Good luck! VO AUGUST JULY BARBECUE RELAX SANDALS Visit: www.dchgroup.com Penzance office: 67 Morrab Road Penzance, TR18 2QJ Fax: 01736 331647 Truro office: Kenwyn Street Truro, TR1 3BA Fax: 01872 260 397 BEACH Text enquiries SHORTS 07797 800079 BIKING Respect Line: SUNBURN HATS SUNSCREEN HOLIDAY SUNTAN HOT SWIMMING HUMID Open to all ages ! (for reporting ASB out of office hours) 0800 088 66 99 or text ASB to 80800 for a call-back Minicom: 0800 027 7014 TypeTalk: 18001-01736 331799 Name: Address: Postcode: Age: Cornwall Media Group members – Carol Bosworth, Frank Bowater, Jenny Beamish, Julia Wadey, Mike Smith, Norman Emberson, Paul Williams, Rose Perkin, Tonny Steenhagen, Chris Cross.