Applying for a home through Durham Key Options
|
|
- Vernon Caldwell
- 7 years ago
- Views:
Transcription
1 Appying for a home through Durham Key Options Foow us on December 2014
2 Equaity and diversity A Durham Key Options documents can be provided in arge print, audio tape or CD, eectronicay via emai or in Braie. We can aso provide an induction oop, BSL interpreter, same-gender interview or home visit if required. If you woud ike us to provide this information in your first anguage, or woud ike us to provide a transator and meet you to discuss its contents, pease contact us on the reevant Durham Key Options phone number as isted on page 3. We can aso provide same-gender interviews and home visits in County Durham when needed.
3 Accent Foundation Cestria Housing Dae and Vaey Homes Derwentside Homes Durham City Homes East Durham Homes ivin Teesdae Housing
4 Contents Page Introduction 5 Providing services fairy 6 Appying for a home through Durham Key Options 7 How does the etting service work? 7 Who can appy? 7 How do I appy? 8 Competing your appication form 9 How wi you assess my appication? 10 Can you refuse my appication? 12 Where can I find out about homes that are avaiabe? 14 What if I need hep? 14 How wi I know which homes are suitabe for me? 15 What if my circumstances change? 15 How do I bid for a home? 16 What are my chances of success? 17 Other housing options 18 Mutua exchange 18 Loca offers - our promise to you 19 4
5 Introduction This booket expains the Durham Key Options choice-based etting scheme. Our partners use this scheme to et homes across County Durham. Homes from other organisations, such as housing associations and private andords, can aso be et through us. And we offer ow-cost home ownership, too. Durham Key Options is a partnership between Durham County Counci and the foowing andords who advertise their properties through the scheme: Accent Foundation Cestria Community Housing Dae and Vaey Homes Derwentside Homes Durham City Homes East Durham Homes ivin Teesdae Housing Association Other andords aso advertise through Durham Key Options. For a fu ist, pease visit or contact one of our partner andords (see pages for detais). 5
6 Providing services fairy We aim to ensure that a our customers can use our services regardess of age, race, sex, disabiity, reigion, sexuaity, gender reassignment, pregnancy and maternity, or marriage and civi partnership. We do this by ensuring we train a our staff to understand peope s different needs. We aso monitor our services to make sure we provide them fairy to everyone. Staff wi: hep you fi in forms contact you by your preferred method provide an interpretation service if your first anguage is not Engish give you information, on request, in different anguages or in different formats such as arge print, Braie, CD or audio tape use pain Engish take into account any additiona needs you may have provide you with support if you need it take cas using Typetak where possibe, arrange for you to speak to, or be visited by, a member of staff of the same sex as you, if you wish provide induction oop systems visit you at home if necessary provide you with a sign-anguage service if you need it. 6
7 Appying for a home through Durham Key Options How does the etting service work? 1. You must compete an appication form to join our housing register. 2. We wi assess your appication within 28 working days after you have given us a the information we need. We wi use your preferred method of contact to et you know we have assessed it. If we accept your appication, we wi te you what priority band we have given you and what kind of property you can appy for. 3. Each week we wi advertise a avaiabe homes. The advert wi te you what type of appicant is suitabe for each home and which band we wi give preference to (see page 10). It wi aso te you when the bidding for an advertised home wi cose. 4. If you see a home you ike, you can appy for it. We ca this bidding. 5. We wi offer the home to the person in the advertised band who has waited the ongest. If there is no-one in that band, we wi offer it to someone in the next band. 6. You can bid for as many homes as you ike each week. 7. Generay, if we don t contact you within one week of the cosing date, you wi have been unsuccessfu. You can then continue to bid for other properties. 8. Our website wi give detais of how we et previousy advertised homes: see This may incude how ong the successfu appicant had been waiting and what priority band they were in. Who can appy? Anyone over the age of 16 can appy to join our housing register; however, not everyone wi be eigibe or quaify. This may be due to immigration contro or unacceptabe behaviour. 7
8 How do I appy? 1. You need to compete an appication form. You ony need to do this once, then you can bid for a the properties you are eigibe for. You can compete an onine appication form at our website You can aso get a form from any of our partner andords (see pages for detais) or by downoading one from the website. You can ony bid for a home when you have competed the form and we have accepted your appication. 2. With the form, you wi need to provide proof of identity and address for you and any joint appicant. You must show us one kind of proof for each of the items in the eft-hand coumn: Identity and date of birth birth certificate, or passport, or UK driving icence, or NHS medica card. Current address utiity bi (from within the ast six months), or bank statement (from within the ast six months), or if you ive at home, are a odger or ive in residentia accommodation, we may accept a etter from the person running the home, which says you ive there. 3. If we accept your appication, we wi give you a reference number, a memorabe date, and your priority band. Your memorabe date wi be the main appicant s date of birth, but you wi be asked to change this when you first og in. Pease keep your appication number and memorabe date in a safe pace - you wi need them to bid for a home. 8
9 Competing your appication form You must compete a the sections of the form that appy to you or anyone who is to be re-housed with you. Otherwise we may have to return the form to you and this wi deay your appication. If there is anything on the form you do not understand, pease contact one of our partner andords. They wi be happy to expain. If you need hep to use the scheme You can ask someone to hep you use the scheme. If so, pease give their name and contact detais on the form and tick the reevant box to give them authority to act for you. If you need hep to compete the form or use the scheme, pease contact one of our partner andords. Supporting information As we as your proof of identity and address, we may require other supporting information to hep us assess your form. For the sections on the form that have next to them, you wi need to provide more evidence. The tabe on the next few pages says what kind of evidence we need to see. You shoud provide it with your form. Do I need references? Yes. If you are or have been a tenant, we wi ask your andord(s) if you have kept to your tenancy conditions. This means things ike paying your rent and not behaving anti-sociay. You must te us about any tenancies you have hed. If you don t, this may sow down your appication, and we may even cance it. You must aso te us about any convictions that you or another member of your househod have had. We may check this information with the Poice as it may affect whether you quaify to join the housing register. When we have a the reevant information, incuding references from your andord(s), we wi assess your appication. Then we wi contact you by your preferred method to say whether your appication has succeeded. If so, you can start bidding for a home. 9
10 How wi you assess my appication? We must give priority to peope who are in most housing need, in ine with our ettings poicy. We do not et our homes on a first-come, firstserved basis. We wi assess what you te us on your form and award a priority band according to your needs. At the same time we wi decide the type and size of property you can bid for. Priority bands To see a fu copy of our ettings poicy and fu detais of this scheme, pease visit our website or contact a Durham Key Options partner (see pages 20-22). Band Band A Quaifying criteria Regeneration schemes in County Durham. (Ony if you are osing your property permanenty because of demoition/disposa in a designated regeneration area.) Urgent medica reasons* Priority transfers. (We may award this priority to tenants of a Durham Key Options partner who are iving in an exceptionay high-demand property and there is ow turnover in that property s area. The tenant must be moving to a ower demand property.) *If we award you band A status due to urgent medica reasons and you have an armed or reserve forces connection we wi award you extra priority by backdating your priority date six months. Band B Overcrowded by 2 or more bedrooms** Under-occupying by 2 or more bedrooms (this priority is ony awarded to tenants of a fu Durham Key Options partner) High medica need 10
11 Band Band B cont. Quaifying criteria Homeess appicants. (This means appicants we accept as statutoriy homeess with a fu duty to be housed under Part 7 of the Housing Act 1996.) Supported housing/moving on from a supported scheme Care eavers ** If we award you band B status because you are overcrowded by 2 or more bedrooms and you aso have an armed or reserve forces connection we wi award you extra priority by backdating your priority date six months. Band C Unsanitary, overcrowded (by one bedroom), or otherwise unsatisfactory housing Under-occupying by one bedroom (this priority is ony awarded to tenants of a fu Durham Key Options partner) Medica/wefare needs Armed or reserve forces connection Needing to move to avoid hardship Non-statutory homeess Band D Appicants wishing to ive independenty with no other housing need Appicants needing arger accommodation (outside the overcrowding criteria in bands B/C above) with no other housing need Reationship breakdown but with no other housing need To prevent their homeessness, appicants threatened with homeessness within 3 months Band E Appicants who are adequatey housed and have no housing need 11
12 Can you refuse my appication? Yes. The aw does not aow us to offer homes to the foowing groups of peope: Anyone who is subject to immigration contro. Anyone who is not reguary and normay resident in the common trave area. EU nationas required to eave the UK. We may aso refuse appications from peope who have behaved in an unacceptabe way. Unacceptabe behaviour may incude: vioence, incuding domestic vioence drug-deaing harassment, incuding racia harassment noise nuisance intimidation rent/mortgage arrears. We may aso decide to remove your appication from the housing register in the foowing circumstances: You ask to be removed. You accept an offer of accommodation. You fai to repy to a request for more information. You iegay occupy a property owned by a socia housing provider. You or a member of your househod who wi be rehoused with you stop quaifying under the terms of our ettings poicy. You have given fase information in your appication or in any supporting documents You refuse 3 offers of suitabe accommodation in a 12 month period. 12
13 If we are considering removing you from the register, we wi notify you in writing, giving you 28 days to repy. Exception: If you have refused 3 offers we wi suspend you automaticay but you wi sti have the right to appea. If you do not accept my appication or remove me from the register, can I ask you to reconsider? Yes, you have 28 days to appea: against a decision to refuse you access to the housing register if you think you have been treated unfairy in the ettings process if we have removed you from the register except at your own request. At each stage, the foowing peope wi consider the appea: Stage 1 Stage 2 Stage 3 A senior officer of suitabe seniority from the assessing partner organisation. A manager from the assessing partner organisation. Head of Housing and Economic Deveopment, or an appropriate member of staff from the Housing Soutions Service at Durham County Counci. Any appeas from statutoriy homeess appicants regarding refusa of offers are deat with by the Housing Soutions Team at Durham County Counci. 13
14 Where can I find out about homes that are avaiabe? Every Thursday we advertise a our avaiabe properties across County Durham: on our website, on your mobie or tabet, using the above web address in some of our partner andord offices on boards in some pubic buidings in our property newsetter avaiabe in some pubic buidings. For more detais pease see our guide Bidding for a home though Durham Key Options. What if I need hep? If you need hep appying through the Durham Key Options ettings scheme or making a bid for a home, we can: hep you appy for a home, incuding competing forms, at your home if needed offer advice and support hep you understand how the service works hep you bid for a home ask other support agencies to hep you, if needed continue to support you unti you are re-housed. 14
15 How wi I know which homes are suitabe for me? Our adverts wi te you which homes peope in your priority band may bid for. The adverts may say whether there is a minimum age imit or househod size. They wi aso say how many bedrooms there are, how much the rent is, and other usefu information, for exampe the counci tax band or if the property is adapted. You can bid for any property you are eigibe for. The etter you receive when we accept you onto the housing register wi te you the property type you are eigibe for. This wi be based on the number of peope in your househod and your circumstances. Sometimes we may advertise a property aowing smaer househods than usua to appy. If you get Housing Benefit, you wi need to check to see if there wi be an under-occupation charge. For more information contact your Durham Key Options partner (see pages for contact detais). What if my circumstances change? You must notify our partner andord of any change in your circumstances that may affect your appication as this may change your priority band. It wi aso mean a change to your appication/ priority date, which we used in the shortisting process. If you do not inform us of a change in circumstances and we offer you a property, we may withdraw the offer. 15
16 How do I bid for a home? You can bid for as many homes as you ike each week. Don t worry about the word bid - you won t be parting with any money. It simpy means you are interested in a particuar property and wish us to consider you for it. You can make bids: on-ine at (incuding on your mobie) by phone in person at one of our partner andord offices by assisted bidding (for appicants with exceptiona support needs) To find out more, pease see our eafet Guide to bidding for a home through Durham Key Options How ong wi I get to make a bid? We advertise our homes each week from Thursday to Tuesday. The advert wi give a cosing date, and you wi need to bid before this date. What wi happen to my bid? When the deadines for bids have passed, this is what happens: 1. We sort the bids for each home into order according to the priority band and eariest date of appication. This is caed shortisting. 2. If you make more than one bid in the same week and you are top of the ist for more than one property, we wi ask you to choose which property you prefer. 3. Once we have made an offer, we wi not consider your bids for any other homes unti you have decided whether or not to accept the offer. 16
17 When wi I know if my bid has succeeded? If your bid succeeds, we wi contact you as soon as possibe after bidding coses. This is usuay within 24 hours. Generay, if we don t contact you within a week, you have not succeeded this time. Keep bidding for homes you ike unti we contact you with an offer. What are my chances of success? As there are many more bidders than homes avaiabe, you may have to wait some time before we make you an offer. You can get an idea of how ong you may have to wait by checking detais of successfu bidders. We pubish them on the Durham Key Options website and in some partner andord offices. 17
18 Other housing options We can give you advice and hep on other housing options. This incudes information on housing associations and private andords. We aso advertise homes on behaf of other housing associations and private andords. You can aso use the Housing Options Wizard, which you can access via the Durham Key Options website. It can give you advice on a the housing options avaiabe to you, incuding shared ownership, private rented property and mutua exchange. The wizard can aso give advice on mortgage rescue, hep with debts and homeessness. If you woud ike free and independent advice on your housing rights, you can contact the Citizens Advice Bureau. They can advise you on things ike possession proceedings, repairs, housing benefit, harassment and iega eviction. Mutua exchange A mutua exchange is where two socia housing tenants swap home. It can enabe you to move to a more suitabe home much more quicky. Most tenants with secure or assured tenancies have the right to exchange their property as ong as they compy with their tenancy conditions and meet the reevant ega conditions. For more information about mutua exchanges, pease contact your nearest Durham Key Options partner andord (see pages 20-22). 18
19 We are committed to providing you with exceent services. We wi reguary review our oca offers (caed standards of service ). This wi hep us ensure we continue to provide high-quaity services. We wi: register your appication within 5 working days of receiving it* contact you within 10 working days in the way you prefer, if we need any further information* Loca offers our promise to you assess your appication within 28 days, after you have given us a the information we need* te you how to appea if you disagree with our decision contact you at east once a year to check if you sti need a home.** *This is the minimum service you shoud expect. Some partner andords may have different service standards. **If we have accepted you onto the register but paced you in band E we wi ony contact you if we are offering you a property. It is your responsibiity to update us of any change in circumstance you may have. 19
20 Contact detais for our partner organisations Accent Foundation Accent Foundation, Midde Street, Backha, Hartepoo TS27 4EA Teephone: (or 0345 from your mobie) Website: Chester-e-Street area Cestria Community Housing Association Bowes Offices, Lambton Park, Chester-e-Street, County Durham DH3 4AN Teephone: Website: Derwentside area Derwentside Homes Ltd Greengate House, Amos Drive, Greencroft Industria Park Staney, County Durham DH9 7YE Teephone: Emai: Website: 20
21 Durham City Homes area Durham County Counci Lumey House, Whitfied Court, St Johns Road Meadowfied Industria Estate Durham DH7 8XL Teephone: Emai: Website: East Durham area East Durham Homes Head office: 2 Meridian Court, Whitehouse Business Park, Peteree County Durham SR8 2RQ Customer service outets: Peteree Town Centre 29 Yoden Way, Caste Dene Shopping Centre, Peteree, County Durham SR8 1AL Murton Resource Centre 16/17 Woods Terrace, Murton, County Durham SR7 9AD Teephone: (free phone) Teephone: Emai: enquiry@eastdurhamhomes.co.uk Website: 21
22 ivin area ivin Farre House, Arington Way, DurhamGate, Spennymoor County Durham DL16 6NL Teephone: (mobies charges vary) (free from andine) Emai: Website: Teesdae area Teesdae Housing Association 14a Redwe Court, Harmire Industria Estate, Harmire Road Barnard Caste, County Durham DL12 8BN Teephone: Emai: Website: Wear Vaey area Dae and Vaey Homes 27 Longfied Road, South Church Enterprise Park, Bishop Auckand, County Durham DL14 6XB Teephone: Emai: Website: 22
23 Notes 23
24 This document has been carity-checked and awarded the Cear Engish Standard by Pain Language Commission ( which promotes cear and concise communication in documents and on websites
Budgeting Loans from the Social Fund
Budgeting Loans from the Socia Fund tes sheet Pease read these notes carefuy. They expain the circumstances when a budgeting oan can be paid. Budgeting Loans You may be abe to get a Budgeting Loan if:
More informationEarly access to FAS payments for members in poor health
Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection
More informationBereavement benefits. Help for widows, widowers and surviving civil partners
Bereavement benefits Hep for widows, widowers and surviving civi partners Bereavement Payment Widowed Parent s Aowance Bereavement Aowance This pack contains more information about bereavement benefits
More informationClaim form for Housing Benefit & Council Tax Support
Caim form for Housing Benefit & Counci Tax Support Pease make sure you answer a the questions using back ink ony. Do not use penci, correction fuid or tape. Answer a no or yes questions by putting a 3
More informationIncome Protection Solutions. Policy Wording
Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the
More informationNatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028
To appy for this account, the printed appication must be competed and returned together with any necessary supporting documentation to the foowing address: NatWest Goba Empoyee Banking Eastwood House Gebe
More informationVacancy Rebate Supporting Documentation Checklist
Vacancy Rebate Supporting Documentation Checkist The foowing documents are required and must accompany the vacancy rebate appication at the time of submission. If the vacancy is a continuation from the
More informationINDUSTRIAL AND COMMERCIAL
Finance TM NEW YORK CITY DEPARTMENT OF FINANCE TAX & PARKING PROGRAM OPERATIONS DIVISION INDUSTRIAL AND COMMERCIAL ABATEMENT PROGRAM PRELIMINARY APPLICATION AND INSTRUCTIONS Mai to: NYC Department of Finance,
More informationBleeding in Early Pregnancy
NHS Forth Vaey Women and Chidren Services Beeding in Eary Pregnancy Patient Information Beeding in eary pregnancy Beeding in eary pregnancy causes women a great dea of worry. The aim of this eafet is to
More informationAnnual Notice of Changes for 2016
Easy Choice Best Pan (HMO) offered by Easy Choice Heath Pan, Inc. Annua Notice of Changes for 2016 You are currenty enroed as a member of Easy Choice Best Pan (HMO). Next year, there wi be some changes
More information2015-16. A guide for parents about admission arrangements to Secondary Schools. Closing date 31 October 2014. City of Bradford Metropolitan District
A guide for parents about admission arrangements to Secondary Schoos City of Bradford Metropoitan District 2015-16 Cosing date 31 October 2014 Appy onine at www.bradford.gov.uk/admissions Department of
More informationKey Features of Life Insurance
Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these
More informationIncome Protection Options
Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy
More informationAustralian Bureau of Statistics Management of Business Providers
Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad
More informationA Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services
2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any
More informationFLAC Legal Divorce v2 band_layout 1 26/06/2014 20:01 Page 1 July 2014 divorce
Juy 2014 divorce Divorce has been avaiabe in the Repubic of Ireand since 1997. Once a divorce is obtained, the parties (the ex-spouses) are free to remarry or enter into a civi partnership. Famiy Law (Divorce)
More informationHow to deal with personal financial problems
How to dea with persona financia probems D I S P U T E R E S O L U T I O N Introduction Heping you face the future with confidence In 2014, the eve of consumer debt in the UK grew to reach a seven-year
More informationJuly 2014. separation
Juy 2014 separation When a marriage breaks down, the coupe can arrange for a forma separation. The coupe may eventuay decide to divorce (see separate information eafet on Divorce). There are two different
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these
More informationIncome Protection Solutions. Policy Wording
Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the
More informationA guide to understanding Childcare Proceedings
A guide to understanding Chidcare Proceedings About this guide Care Proceedings are one of the most traumatic and emotiona episodes that can happen in anyone s ife. When Chidren s Services (formery Socia
More informationAvaya Remote Feature Activation (RFA) User Guide
Avaya Remote Feature Activation (RFA) User Guide 03-300149 Issue 5.0 September 2007 2007 Avaya Inc. A Rights Reserved. Notice Whie reasonabe efforts were made to ensure that the information in this document
More information6 Your home and surroundings Section 6 page 1. Your home and surroundings. 6.1 Emergencies. 6.2 Safety. 6.3 Insurance. 6.4 Security. 6.
6 Your home and surroundings 6.1 Emergencies What shoud I do if there is a fire? What shoud I do if I sme gas? 6.2 Safety Can I use fammabe materias, such as botted gas or paraffin? Shoud a staff carry
More informationNCH Software Warp Speed PC Tune-up Software
NCH Software Warp Speed PC Tune-up Software This user guide has been created for use with Warp Speed PC Tune-up Software Version 1.xx NCH Software Technica Support If you have difficuties using Warp Speed
More informationDecember 2009 HOMELESS? This leaflet explains what happens if you make a homeless application and the rules we use.
December 2009 HOMELESS? This leaflet explains what happens if you make a homeless application and the rules we use. This leaflet can be supplied in community languages, large print, audio tape/cd or Braille.
More informationBusiness Banking. A guide for franchises
Business Banking A guide for franchises Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may
More informationAA Fixed Rate ISA Savings
AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether
More informationPay-on-delivery investing
Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before
More informationTENANT HANDBOOK. Information about your tenancy and Link s services
TENANT HANDBOOK Information about your tenancy and Link s services Get in touch We are open Monday to Friday, 9.00am to 5.00pm For genera enquiries, ca us on 03451 400 100 (oca rate from andine and mobie)
More informationDRIVING UNDER THE INFLUENCE ACT
Driving Under the Infuence Act 13 MIRC Ch.3 TITLE 13 MOTOR VEHICLES CHAPTER 3 - DRIVING UNDER THE INFLUENCE s Repubic of the Marsha Isands Jepipiin Ke Ejukaan DRIVING UNDER THE INFLUENCE ACT Arrangement
More informationprofessional indemnity insurance proposal form
professiona indemnity insurance proposa form Important Facts Reating To This Proposa Form You shoud read the foowing advice before proceeding to compete this proposa form. Duty of Discosure Before you
More informationREADING A CREDIT REPORT
Name Date CHAPTER 6 STUDENT ACTIVITY SHEET READING A CREDIT REPORT Review the sampe credit report. Then search for a sampe credit report onine, print it off, and answer the questions beow. This activity
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may
More informationELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l
Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1
More informationWhat to do before, during and after a flood
Suffok Food Risk Management Partnership What to do before, during and after a food Practica advice on what to do to protect yoursef and your property "Over 5.5 miion properties in Engand and Waes are at
More informationMoney Matters. Help for what matters. Ulster Bank s no nonsense guide to: Managing Debt
Money Matters Hep for what matters Uster Bank s no nonsense guide to: Managing Debt Money Matters contents Understanding debt Sections 1 3 1 How to manage debt Section 4 3 How to get in contro of debt
More informationDiploma Decisions for Students with Disabilities. What Parents Need to Know
Dipoma Decisions for Students with Disabiities What Parents Need to Know Forida Department of Education Bureau of Exceptiona Education and Student Services Revised 2005 This is one of many pubications
More informationInfrastructure for Business
Infrastructure for Business The IoD Member Broadband Survey Infrastructure for Business 2013 #5 The IoD Member Broadband Survey The IoD Member Broadband Survey Written by: Corin Tayor, Senior Economic
More informationAdvertising opportunities with the Irish National Teachers Organisation (INTO)
Advertising opportunities with the Irish Nationa Teachers Organisation (INTO) 1. InTouch Magazine 2. Website 3. E Newsetter 4. INTO Members Diary: Advertising and sponsorship opportunities 5. Tips for
More informationThe guaranteed selection. For certainty in uncertain times
The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay
More informationInternal Control. Guidance for Directors on the Combined Code
Interna Contro Guidance for Directors on the Combined Code ISBN 1 84152 010 1 Pubished by The Institute of Chartered Accountants in Engand & Waes Chartered Accountants Ha PO Box 433 Moorgate Pace London
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES
About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of
More informationHistory of Stars and Rain Education Institute for Autism (Stars and Rain)
History of Education Institute for Autism () Estabished:: March 15. 1993 in Beijing Founder:: Ms. Tian Huiping (mother of a boy with autism) STARS AND RAIN was founded in 1993 by a parent and is China
More informationPreparing for specialty recruitment Interview Practice. Lisa Stone STFS Careers Department lstone@kssdeanery.ac.uk
Preparing for speciaty recruitment Interview Practice Lisa Stone STFS Careers Department stone@kssdeanery.ac.uk Overview Timeines and recruitment speciaty evenings Recap of 4 stage mode: Sef-assessment
More informationHow To Protect Yoursef Onine From Being Hacked Onine
Onine Security Savings What is onine security? This booket is designed to make you aware of some of the atest threats that exist when managing your money onine so you can protect your money in the same
More informationKey Features of the Term Assurance (with options) For use in business protection planning
Key Features of the Term Assurance (with options) For use in business protection panning Term Assurance (with options) Key features The Financia Conduct Authority is a financia services reguator. It requires
More informationExample of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts
Exampe of Credit Card Agreement for Bank of America Visa Signature and Word MasterCard accounts PRICING INFORMATION Actua pricing wi vary from one cardhoder to another Annua Percentage Rates for Purchases
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may
More informationDOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS
DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS TABLE OF CONTENTS INTRODUCTION... 1 GOVERNANCE... 1 COMMONLY PURCHASED GOODS AND SERVICES... 1 HOW TO REGISTER YOUR COMPANY...
More informationDigitalKitbag. Email marketing
Emai marketing Who are Digita Kitbag? We re your business marketing team Digita Kitbag is owned and operated by Johnston Press, one of the argest regiona media pubishers in the UK and Ireand. We have a
More informationExample of Credit Card Agreement for FIA Card Services Platinum Plus and Preferred MasterCard and Visa accounts
Exampe of Credit Card Agreement for FIA Card Services Patinum Pus and Preferred MasterCard and Visa accounts This information is accurate as of June 30, 2014. This credit card program is issued and administered
More informationLADDER SAFETY Table of Contents
Tabe of Contents SECTION 1. TRAINING PROGRAM INTRODUCTION..................3 Training Objectives...........................................3 Rationae for Training.........................................3
More informationExample of Credit Card Agreement for Bank of America Platinum Plus and Preferred MasterCard and Visa accounts
Exampe of Credit Card Agreement for Bank of America Patinum Pus and Preferred MasterCard and Visa accounts This information is accurate as of June 30, 2014. This credit card program is issued and administered
More informationHow To Deiver Resuts
Message We sha make every effort to strengthen the community buiding programme which serves to foster among the peope of Hong Kong a sense of beonging and mutua care. We wi continue to impement the District
More informationIn some states, however, the couple must live apart for a period of months or years before they can obtain a no fault divorce.
What is a "no faut" divorce? "No faut" divorce describes any divorce where the spouse asking for a divorce does not have to prove that the other spouse did something wrong. A states aow no faut divorces.
More informationFixed Rate Loan Payment Protection Insurance
Fixed Rate Loan Payment Protection Insurance Poicy Document Page 1 of 16 Fixed Rate Loan Payment Protection Insurance Poicy document Fixed Rate Loan Payment Protection Insurance Poicy Document Page 2 of
More informationLearning from evaluations Processes and instruments used by GIZ as a learning organisation and their contribution to interorganisational learning
Monitoring and Evauation Unit Learning from evauations Processes and instruments used by GIZ as a earning organisation and their contribution to interorganisationa earning Contents 1.3Learning from evauations
More informationYour Car Insurance Policy Booklet
Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent
More informationAviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option
Aviva Equity Reease A guide to our ifetime mortgages Lifestye Lump Sum Max Lifestye Fexibe Option Contents An introduction to equity reease and ifetime mortgages 3 Who might quaify? 4 What you need to
More informationHealth Savings Account 2013 2014 reference guide
Heath Savings Account 2013 2014 reference guide Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist of sections and topics
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these
More informationMoney Matters. Ulster Bank s no nonsense guide to: Managing Debt
Money Matters Uster Bank s no nonsense guide to: Managing Debt Money Matters contents Sections 1 3 Understanding debt Section 4 How to manage debt Sections 5 6 Sections 7 8 How to get in contro of debt
More informationHealth Savings Account 2014-2015 reference guide
Heath Savings Account 2014-2015 reference guide www.seectaccount.com Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist
More informationNordic Ecolabelling of Copy and printing paper - supplementary module
rdic Ecoabeing of Copy and printing paper - suppementary modue Version 4.1 22 June 2011 30 June 2016 rdic Ecoabeing Content What is rdic Ecoabeed copy and printing paper? 3 Why choose the rdic Ecoabe?
More informationA practical guide to personal financial advice Finding the right financial adviser and advice that works for you. Getting advice
A practica guide to persona financia advice Finding the right financia adviser and advice that works for you Getting advice About ASIC The Austraian Securities and Investments Commission (ASIC) reguates
More informationYour Car Insurance Policy Booklet
Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent
More informationyour statement of insurance
your statement of insurance Schoo - Winter Trave Insurance poicyhoder: STG issued on: 1st February 2013 poicy number: NS9 0001313 reason for issue: new business This Statement of Insurance forms part of
More informationQualifications, professional development and probation
UCU Continuing Professiona Deveopment Quaifications, professiona deveopment and probation Initia training and further education teaching quaifications Since September 2007 a newy appointed FE ecturers,
More informationWEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS
WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS Password Reset Process Navigate to the og in screen Seect the Forgot Password ink You wi be asked to enter the emai address you registered with
More informationIMPLEMENTING THE RATE STRUCTURE: TIERING IN THE FEE-FOR-SERVICE SYSTEM
The New Jersey Department of Human Services Division of Deveopmenta Disabiities 1 IMPLEMENTING THE RATE STRUCTURE: TIERING IN THE FEE-FOR-SERVICE SYSTEM Eizabeth M. Shea Assistant Commissioner Thomas S.
More informationPoicy Aims And Their Contract Terms
Group Income Protection Technica Guide Aviva By choosing Aviva, part of the UK s argest insurance group, you benefit from our financia strength. Together with miions of customers wordwide you can fee certain
More informationYour Car Insurance Policy Booklet
Your Car Insurance Poicy Booket 2013 Consumer Moneyfacts Car Insurance Provider of the Year 2012 Best Company - First Cass 2012 Persona Lines Intermediary of the Year, 2012 Customer Service Provider of
More informationHow to Cut Health Care Costs
How to Cut Heath Care Costs INSIDE: TEN TIPS FOR MEDICARE BENEFICIARIES What is one of the biggest financia surprises in retirement? Heath care costs. It s a growing concern among many Medicare beneficiaries,
More informationSustainable homes, sustainable communities
Sustainabe homes, sustainabe communities Leasehoder Handbook 1 Wecome Wecome to Hastoe Housing Association. This handbook describes your rights and responsibiities as a easehoder of a Hastoe property.
More informationYour Car Insurance Policy Booklet
Your Car Insurance Poicy Booket 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent
More informationUCU Continuing Professional Development
UCU Continuing Professiona Deveopment Cassroom management The background Good cassroom and behaviour management is one of the key eements of successfu teaching and earning, and wi be crucia to your success
More informationCODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015
CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015 CODE OF PRACTICE for the PHARMACEUTICAL INDUSTRY 2015 together with the PRESCRIPTION MEDICINES CODE OF PRACTICE AUTHORITY Constitution and Procedure
More informationendorsed programmes With our expertise and unique flexible approach NOCN will work with you to develop a product that achieves results.
endorsed programmes With our expertise and unique fexibe approach NOCN wi work with you to deveop a product that achieves resuts. NOCN is a eading reguated UK awarding organisation that has been creating
More informationWelcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider.
Heo, Wecome to Coonia Vountary Benefits. Thank you for your interest in our Universa Life with the Acceerated Death Benefit for Long Term Care Rider. For detai pease ca 877-685-2656. Pease eave your name,
More informationWhat are your responsibilities as an executor?
News ISSUE 9, AUTUMN 2013 What are your responsibiities as an executor? You have agreed to be the executor for a friend or famiy member. Now the time has come to discharge your duties but where do you
More informationPilkington K Glass Range. Pilkington K Glass Pilkington K Glass OW Pilkington K Glass OW on Surface 4 Pilkington K Glass S
Pikington K Gass Range Pikington K Gass Pikington K Gass OW Pikington K Gass OW on Surface 4 Pikington K Gass S Upstairs windows using energy-efficient gazing. Downstairs windows using origina singe gazing.
More informationYour Car Insurance Policy Booklet
Your Car Insurance Poicy Booket Contents What to do in the event of a caim? 3 Important notice 3 Materia Facts - Duty of Discosure 3 Caring for our customers 4 Keeping your poicy up to date 5 Our Terms
More informationMay 2014. How to apply for. social. housing. in Mid Sussex. Mid Sussex District Council Housing Options series
May 2014? How to apply for social housing in Mid Sussex Mid Sussex District Council Housing Options series 2 What is Homemove? What is Homemove? Sussex Homemove is the choice-based lettings scheme used
More informationMessage. The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries.
Message The Trade and Industry Bureau is committed to providing maximum support for Hong Kong s manufacturing and services industries. With the weight of our economy shifting towards knowedge-based and
More informationeye talk DIGITAL Contents
eye tak DIGITAL Eye Tak Digita subscribers are abe to downoad a computer fie containing the atest product and price changes, as we as other vauabe resources for the management and deveopment of their practices.
More informationELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l
ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may
More informationPREFACE. 2 INTRODUCTION. 4 EXAMINATION CONTENT. 10 STEP 1: APPLY TO TAKE THE EXAMINATION. 16 STEP 2: RECEIVE YOUR NOTICE TO SCHEDULE.
Apri 2016 1 PREFACE This buetin is intended for individuas who pan to take the Uniform Certified Pubic Accountant (CPA) Examination. The examination is fuy computerized and offered via a network of test
More informationMarch 2012. User Guide
March 2012 User Guide 2 Welcome to Bedfordshire Homefinder Background Bedfordshire Homefinder aims to improve services by offering more choice and a more open way of letting social housing in Bedfordshire.
More informationUnderstanding. nystagmus. RCOphth
Understanding nystagmus RCOphth RNIB s understanding series The understanding series is designed to hep you, your friends and famiy understand a itte bit more about your eye condition. Other tites in the
More informationPersonal and Public Involvement Toolkit for Staff
Persona and Pubic Invovement Tookit for Staff INTRODUCTION The Southern Trust is committed to ensuring that everyone who needs to and wishes to be invoved in the panning, deveopment and evauation of its
More informationA CENTRAL LONDON LAW CENTRE PUBLICATION. Taking Grievances A GUIDE FOR EMPLOYEES AND THEIR REPRESENTATIVES
A CENTRAL LONDON LAW CENTRE PUBLICATION Taking Grievances t s e c n a griev A GUIDE FOR EMPLOYEES AND THEIR REPRESENTATIVES x RA LEWIS BY TAMA m Acknowedgments With many thanks to the Nuffied Foundation
More informationNCH Software Bolt PDF Printer
NCH Software Bot PDF Printer This user guide has been created for use with Bot PDF Printer Version 1.xx NCH Software Technica Support If you have difficuties using Bot PDF Printer pease read the appicabe
More informationHuman Capital & Human Resources Certificate Programs
MANAGEMENT CONCEPTS Human Capita & Human Resources Certificate Programs Programs to deveop functiona and strategic skis in: Human Capita // Human Resources ENROLL TODAY! Contract Hoder Contract GS-02F-0010J
More informationCrime Prevention Advice from West Yorkshire Police
Home Security Crime Prevention Advice from West Yorkshire Poice Dear Occupier/Househoder A crimina is simpy ooking for the opportunity to commit crime, or is suddeny hit by a tempting situation. If we
More informationNCH Software MoneyLine
NCH Software MoneyLine This user guide has been created for use with MoneyLine Version 2.xx NCH Software Technica Support If you have difficuties using MoneyLine pease read the appicabe topic before requesting
More informationNCH Software Express Accounts Accounting Software
NCH Software Express Accounts Accounting Software This user guide has been created for use with Express Accounts Accounting Software Version 5.xx NCH Software Technica Support If you have difficuties using
More informationOlder people s assets: using housing equity to pay for health and aged care
Key words: aged care; retirement savings; reverse mortgage; financia innovation; financia panning Oder peope s assets: using housing equity to pay for heath and aged care The research agenda on the ageing
More informationThe width of single glazing. The warmth of double glazing.
Therma Insuation CI/SfB (31) Ro5 (M5) September 2012 The width of singe gazing. The warmth of doube gazing. Pikington Spacia Revoutionary vacuum gazing. Image courtesy of Lumen Roofight Ltd. Pikington
More information