Factoring Service Policy

Transcription

1 Issued: April 2013 Page 1 of 16 Factoring Service Policy Last Issued April 2013 Document Control Responsible Person Director of Housing & Property Services Date of Board Approval March 2013 Review by Review Frequency Audit & Internal Control Committee (AICC) 3 Yearly Next Review April 2016 Consultation Required Yes No Equalities Impact Assessment Yes No Rights Public Associated Documents This document should be read in conjunction with: Estate Management Policy and Procedure Factoring Service Code of Conduct Factoring Service Written Statement

2 Issued: April 2013 Page 2 of 16 Translation Statement If you have any difficulties reading this information or need further help understanding our processes please call us ( ) or visit our office (27 North Bridge Street, Hawick, TD9 9BD). We can make this document available in a variety of formats. All you need to do is let us know what you need and we will try to assist. Compliance This policy has been drafted to ensure that it complies with the Property Factors (Scotland) Act Equality & Diversity Waverley Housing is committed to providing services which embrace diversity and which promote equality of opportunity. As an employer we are also committed to equality and diversity within our workforce. Our goal is to ensure that these commitments, reinforced by our Values, are embedded in our day to day working practices. Openness & Confidentiality Waverley Housing believes that its members, tenants, and other interested parties should have access to information on how it conducts itself. This means that unless information requested is considered commercially sensitive or personally confidential it will be made available on request. Data Protection Waverley Housing recognises that the Data Protection Act 1998 is an important piece of legislation to protect the rights of individuals in respect to any personal information that we may keep about them, whether on computer or in manual systems. We are registered with the Information Commissioner as a Data Controller under the Data Protection Act, and must ensure that our practices in the handling of personal information are of a high standard and comply fully with the Act. 1 Introduction 1.1 Included within our housing stock are blocks of flats that are of mixed tenure, ie there are properties belonging to Waverley Housing, properties belonging to Scottish Borders Housing Association and privately owned properties, and day to day repairs and maintenance is the responsibility of all parties within these blocks. 1.2 In addition, there are a number of open space/common areas within our stock, some of which we manage (primarily where we are the majority landlord) and we recharge a share of costs for works carried out to owners; there are also common areas within our stock where we are not the majority landlord and where no works are being carried out and where Waverley Housing is looking to offer a factoring service to owners to allow us to manage these areas and recharge owners for a portion of the common costs incurred.

3 Issued: April 2013 Page 3 of Waverley Housing is registered under the Property Factors (Scotland) Act Its registration number is PF At the present time, Waverley Housing is property factor to 440 properties in the areas as listed in Appendix 1 to this Policy. 2 Purpose 2.1 To clarify Waverley Housing s role and responsibilities to owners, other stakeholders and our tenants where we provide property factoring services. 3 Aims 3.1 The aim of our factoring service is to provide a simple, cost-effective way of obtaining agreement and organising common repairs and maintenance, working with home owners, our tenants and other stakeholders, to ensure that areas of common responsibility are well maintained and remain an asset for all parties concerned. 4 Definition 4.1 The Code of Conduct for Property Factors sets out the minimum standards of practice for Registered Property Factors and is prepared in terms of Section 14 of the Property Factors (Scotland) Act see Appendix In complying with the Code of Conduct, written statements will be prepared for all home owners responsible for sharing the costs of common repairs and maintenance. 5 Responsibilities 5.1 It is the responsibility of the Director of Housing & Property Services to ensure that this Policy is adhered to. On an operational basis, it is the responsibility of the Property Services Manager to ensure our factoring services are provided in accordance with this Policy, the Code of Conduct and Written Statements. 6 Monitoring and Reviewing 6.1 Estates Management by Housing Officers will proactively highlight any issues with our factoring services. 6.2 Annual surveys of home owners will be issued and outcomes analysed. We will also provide an opportunity for owners to feedback their views on service provided. 6.3 This Policy will be reviewed in accordance with the Company s Policy review procedure.

4 Issued: April 2013 Page 4 of 16 7 The Property Factors (Scotland) Act 2011 The Act came into force on 1 October 2012 and from that date it is an offence to operate as a residential property factor in Scotland without being registered. The Act has 3 main elements: A compulsory Register for all Property Factors. A Code of Conduct with which all registered property factors are required to comply, and which will set minimum standards of practice. A new statutory dispute resolution mechanism to be known as the Homeowner Housing Panel. Homeowners will be able to make applications to the Panel if they believe that Waverley Housing as their Property Factor has failed to comply with either our factoring duties or with our Code of Conduct. 7.1 The law on land and property ownership in Scotland was formerly based on the feudal system but the undernoted Acts have reformed this system and now govern the basis for owners in Scotland :- Abolition of Feudal Tenure, etc (Scotland) Act 2000 Title Conditions (Scotland) Act 2003 Tenements (Scotland) Act 2004 The Housing (Scotland) Act 2010 The Equality Act The Title Deeds are the legal documents which confer ownership and will include a description of the property and land and any conditions or burdens imposed on any owner occupier. The Title Deeds (also known as the Deed of Conditions) impose a responsibility on the owner to contribute towards the costs of necessary repairs and maintenance of land and common pathways, fences etc with the estate on which their property lies. It will also include a legal obligation to pay their share of common repairs to their property. 7.3 Where Title Deeds are silent with regard to owner responsibilities, Waverley Housing will refer to the Tenements (Scotland) Act 2004 for guidance on the owner s rights and responsibilities on how common repairs may be carried out and recharged. 7.4 The owner s Title Deeds describe the action required in the different situations. Generally, where an individual s share of the cost will exceed 600 or such sum as increased by Waverley Housing, we have an obligation to write to owners, giving adequate notice of holding a meeting for the owners concerned. Where there is a majority of owners (and voting is required) votes will be based on one per property and the majority vote will carry.

5 Issued: April 2013 Page 5 of 16 8 FINANCIAL MANAGEMENT Annual accounts will run in conjunction with the financial year and service users will normally be notified of the annual charge for the year ahead in February of each year. Initial works associated with complying with the Act, may dictate charging periods in the short term until all home owners consultation and written statements are compliant. 8.1 We will take all reasonable steps to ensure collection of accounts for our factoring services in accordance with our debtors control procedure. 8.2 We will charge a Management fee appropriate to the cost of administering and managing our factoring services. 8.3 Service charges will be based on actual costs incurred in the previous financial year for any common repairs, grounds maintenance, stair lighting and communal area cleaning. The Written Statements will give a breakdown of all costs charged. 8.4 Responsive repairs up to a value agreed with service users will be included in the service charge. 9 RESERVE FUNDS 9.1 Reserve funds allow homeowners to plan ahead for major anticipated works costs such as roof replacement, upgrading of stairwells. Waverley Housing will work with owners interested in setting up such reserve funds. 10 CONSULTATION AND INFORMATION 10.1 We will ensure that appropriate information on any matter relating to our factoring service is made available to owners and other stakeholders in accordance with our Community Engagement Strategy We will consult with service users on any works identified that are not included in the relevant Written Statements We will consult with home owners and other stakeholders where planned maintenance works are being carried out within their area, to determine if they wish to be party to such works at an agreed cost. 11 HOME OWNER HOUSING PANEL 11.1 In the event of service users wishing to complain about our factoring service, they should in the first instance complain under our Complaints Policy. Any final response from Waverley Housing will be ratified by the Chief Executive. Should the complainant remain dissatisfied at conclusion of our complaints processing, they will be directed to appeal to the Home Owners Housing Panel.

6 Issued: April 2013 Page 6 of 16 APPENDIX 1 13 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG KENAV1013Z Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1020z Woodstock Road GALASHIELS Selkirkshire TD1 2DF WOORD1014Z Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1013z Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1012z Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1011z Woodstock Road GALASHIELS Selkirkshire TD1 2DF WOORD1010Z002 4 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1004z002 1 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1001z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0050z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0048z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0046z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0042z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0040z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0037z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0036z Woodstock Avenue GALASHIELS Selkirkshire TD1 2EF wooav0035z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0033z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0031z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0029z Woodstock Avenue GALASHIELS Selkirkshire TD1 2EF wooav0027z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0023Z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0022Z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0021z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0019Z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0015Z Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0013z002 8 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0008z002 3 Woodstock Avenue GALASHIELS Selkirkshire TD1 2EE WOOAV0003Z003 1 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0001z Wilson Drive HAWICK Roxburghshire TD9 9HP wildr0040z Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0022z Wilson Drive HAWICK Roxburghshire TD 8H wildr0013z Wilson Drive HAWICK Roxburghshire TD9 8HP WILDR0012Z Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0011z Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0010z002 7 Wilson Drive HAWICK Roxburghshire TD9 8HR wildr0007z002 6 Wilson Drive HAWICK Roxburghshire TD9 8HP WILDR0006Z Talisman Avenue GALASHIELS Selkirkshire TD1 2DL TALAV0030Z Talisman Avenue GALASHIELS Selkirkshire TD1 2DL talav0028z002

7 Issued: April 2013 Page 7 of Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0019Z Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0018Z Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0017z Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0016z Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0015Z Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0014z Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0013z Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0012Z Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0010Z002 9 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0009z002 8 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0008z002 7 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0007z002 6 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0006Z002 5 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0005Z002 4 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0004Z002 3 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0003Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0071z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0069z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0068z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0067z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0066Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0064z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0060z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0059z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0058z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0057z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0056z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0055z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0054z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0053Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0052z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0051Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0050z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0049z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0046z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0045z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0044Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0043z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0040z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0038z002

8 Issued: April 2013 Page 8 of Oakfield Court KELSO Roxburghshire TD5 7NW oakct0037z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0036z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0034z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0033z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0031z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0030z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0029z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0028z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0025z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0024z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0023Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0022z Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0020Z Oakfield Court KELSO Roxburghshire TD5 7NW oakct0019z Mercers Court KELSO Roxburghshire TD5 7NF MERCT0027Z Mercers Court KELSO Roxburghshire TD5 7NF merct0026z Mercers Court KELSO Roxburghshire TD5 7NF merct0024z Mercers Court KELSO Roxburghshire TD5 7NF merct0023z Mercers Court KELSO Roxburghshire TD5 7NF MERCT0022Z Mercers Court KELSO Roxburghshire TD5 7NF merct0021z Mercers Court KELSO Roxburghshire TD5 7NF merct0020z Mercers Court KELSO Roxburghshire TD5 7NF MERCT0019Z Mercers Court KELSO Roxburghshire TD5 7NF merct0017z Mercers Court KELSO Roxburghshire TD5 7NF merct0016z Mercers Court KELSO Roxburghshire TD5 7NF merct0015z Mercers Court KELSO Roxburghshire TD5 7NF merct0014z Mercers Court KELSO Roxburghshire TD5 7NF merct0012z Mercers Court KELSO Roxburghshire TD5 7NF merct0011z Mercers Court KELSO Roxburghshire TD5 7NF merct0010z002 8 Mercers Court KELSO Roxburghshire TD5 7NF merct0008z002 7 Mercers Court KELSO Roxburghshire TD5 7NF merct0007z002 6 Mercers Court KELSO Roxburghshire TD5 7NF merct0006z002 5 Mercers Court KELSO Roxburghshire TD5 7NF merct0005z002 4 Mercers Court KELSO Roxburghshire TD5 7NF merct0004z002 3 Mercers Court KELSO Roxburghshire TD5 7NF merct0003z002 2 Mercers Court KELSO Roxburghshire TD5 7NF MERCT0002Z003 1 Mercers Court KELSO Roxburghshire TD5 7NF merct0001z McLagan Drive HAWICK Roxburghshire TD9 8BT mcldr0136z McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0118Z McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0116z002

9 Issued: April 2013 Page 9 of McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0114z McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0110Z McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0094z McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0092Z McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0088z McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0078Z McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0066z McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0058z McLagan Drive HAWICK Roxburghshire TD9 8DB mcldr0034z McLagan Drive HAWICK Roxburghshire TD9 8DB mcldr0010z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0029z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0028z Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0027Z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0026z Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0025Z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0022z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0021z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0020z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0019z Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0018Z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0017z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0016z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0015z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0014z Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0013Z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0012z Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0011Z Maxton Court HAWICK Roxburghshire TD9 7QN maxct0010z002 9 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0009z002 7 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0007z002 6 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0006Z002 5 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0005z002 4 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0004Z003 3 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0003z002 2 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0002z002 1 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0001Z002 5 Marmion Road GALASHIELS Selkirkshire TD1 2DE MARRD0005Z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0033z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0031z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0029z002

10 Issued: April 2013 Page 10 of Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0027z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0025z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0023z Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0021z002 3 Lothian Road JEDBURGH Roxburghshire TD8 6LA LOTRD0003Z002 1 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0001z The Linn KELSO Roxburghshire TD5 8EX lin000050z The Linn KELSO Roxburghshire TD5 8EX lin000040z The Linn KELSO Roxburghshire TD5 8EX lin000039z The Linn KELSO Roxburghshire TD5 8EX lin000038z The Linn KELSO Roxburghshire TD5 8EX lin000037z The Linn KELSO Roxburghshire TD5 8EX LIN000032Z The Linn KELSO Roxburghshire TD5 8EX LIN000031Z The Linn KELSO Roxburghshire TD5 8EX lin000028z The Linn KELSO Roxburghshire TD5 8EX lin000021z The Linn KELSO Roxburghshire TD5 8EX LIN000020Z The Linn KELSO Roxburghshire TD5 8EX lin000018z The Linn KELSO Roxburghshire TD5 8EX LIN000014Z The Linn KELSO Roxburghshire TD5 8EX LIN000013Z The Linn KELSO Roxburghshire TD5 8EX lin000012z The Linn KELSO Roxburghshire TD5 8EX lin000011z The Linn KELSO Roxburghshire TD5 8EX lin000010z002 9 The Linn KELSO Roxburghshire TD5 8EX lin000009z003 7 The Linn KELSO Roxburghshire TD5 8EX lin000007z002 6 The Linn KELSO Roxburghshire TD5 8EX lin000006z002 1 The Linn KELSO Roxburghshire TD5 8EX LIN000001Z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0036z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0034z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0032z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0030z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0024z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0022z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0020z Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0018z Laurel Grove GALASHIELS Selkirkshire TD1 2LA LAUGR0013Z002 8 Laurel Grove GALASHIELS Selkirkshire TD1 2LA LAUGR0008Z003 6 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0006z002 4 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0004z002 2 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0002z Langlee Road GALASHIELS Selkirkshire TD1 2DQ LANRD0025Z002

11 Issued: April 2013 Page 11 of Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0167z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0165z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0163z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0161z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0159z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0157z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0155z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0153Z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0151z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0149z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0147z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0145z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0141z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0137z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0135Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0131Z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0127z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0125Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0123z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0121Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0119Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0117z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0115z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0113z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0111z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0109z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0107Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0105z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0103z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0101Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0099z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0097Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0095z Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0093Z Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0091z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0074z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0072z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0070z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0068Z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0062z002

12 Issued: April 2013 Page 12 of Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0060z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0056z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0054z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0052z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0050z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0046z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0044z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0042z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0040z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0036z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0034Z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0030z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0026z Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0024Z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0020z Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0018z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0035Z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0033z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0031z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0027Z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0023Z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0019z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0017z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0016z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0014z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0013z Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0012Z003 9 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0009z002 7 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0007z002 4 Ladyschaw Drive SELKIRK Selkirkshire TD7 4HT LADDR0004Z002 3 Ladyschaw Drive SELKIRK Selkirkshire TD7 4HT laddr0003z002 2 Ladyschaw Drive SELKIRK Selkirkshire TD7 4HT laddr0002z002 1 Ladyschaw Drive SELKIRK Selkirkshire TD7 4HT LADDR0001Z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1044z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1040z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1034z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1028z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1026z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1024z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1022z002

13 Issued: April 2013 Page 13 of Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1020z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1017z Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1015z High Croft KELSO Roxburghshire TD5 7ND HIGCF0014Z High Croft KELSO Roxburghshire TD5 7ND higcf0012z High Croft KELSO Roxburghshire TD5 7ND HIGCF0010Z003 6 High Croft KELSO Roxburghshire TD5 7ND higcf0006z002 4 High Croft KELSO Roxburghshire TD5 7NE higcf0004z002 2 High Croft KELSO Roxburghshire TD5 7NE higcf0002z Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ hawrd0058z Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0056Z Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0054Z Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0052Z Hawthorn Road GALASHIELS Selkirkshire TD1 2JY hawrd0024z Hawthorn Road GALASHIELS Selkirkshire TD1 2JY HAWRD0012Z004 8 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY HAWRD0008Z003 2 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY hawrd0002z Halliburton Place GALASHIELS Selkirkshire TD1 2JQ HALPL0132Z Halliburton Place GALASHIELS Selkirkshire TD1 2JQ HALPL0126Z Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0018Z Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0016Z Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0014z Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0012z Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0010Z002 6 Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0006Z002 2 Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0002z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0064z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0062z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0058Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0056z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0055Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0043z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0032z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0031Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0028Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0026z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0024Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0020z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0016Z Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0012z002

14 Issued: April 2013 Page 14 of Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0011z002 7 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0007z Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0039z Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0033z Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0031z Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR GLETR0029Z Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS GAILN0010Z003 9 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS GAILN0009Z002 7 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS gailn0007z002 6 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS gailn0006z002 5 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS GAILN0005Z003 4 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS gailn0004z002 1 Gaitschaw Lane SELKIRK Selkirkshire TD7 4HS gailn0001z Fraser Avenue HAWICK Roxburghshire TD9 8DG FRAAV0021Z Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0014Z Fairneylaw Place HAWICK Roxburghshire TD9 7QG faipl0013z Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0011Z Fairneylaw Place HAWICK Roxburghshire TD9 7QG faipl0010z002 9 Fairneylaw Place HAWICK Roxburghshire TD9 7QG faipl0009z002 8 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0008Z002 7 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0007Z003 5 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0005Z002 4 Fairneylaw Place HAWICK Roxburghshire TD9 7QG faipl0004z002 2 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0002Z Fairhurst Drive HAWICK Roxburghshire TD9 8HS faidr0058z Deloraine Court HAWICK Roxburghshire TD9 7QE delct0027z Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0026Z Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0020Z Deloraine Court HAWICK Roxburghshire TD9 7QE delct0019z Deloraine Court HAWICK Roxburghshire TD9 7QE delct0018z Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0017Z Deloraine Court HAWICK Roxburghshire TD9 7QE delct0016z Deloraine Court HAWICK Roxburghshire TD9 7QE delct0015z Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0014Z Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0013Z002 8 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0008z003 7 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0007z002 6 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0006z002 5 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0005z002 4 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0004z002

15 Issued: April 2013 Page 15 of 16 3 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0003z002 2 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0002z002 1 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0001z002 5 Charles Street HAWICK Roxburghshire TD9 8BU chast1005z002 4 Charles Street HAWICK Roxburghshire TD9 8BZ chast1004z Cappers Court KELSO Roxburghshire TD5 7NG capct0016z Cappers Court KELSO Roxburghshire TD5 7NG CAPCT0014Z Cappers Court KELSO Roxburghshire TD5 7NG capct0011z Cappers Court KELSO Roxburghshire TD5 7NG capct0010z002 9 Cappers Court KELSO Roxburghshire TD5 7NG CAPCT0009Z002 8 Cappers Court KELSO Roxburghshire TD5 7NG capct0008z002 7 Cappers Court KELSO Roxburghshire TD5 7NG capct0007z002 6 Cappers Court KELSO Roxburghshire TD5 7NG capct0006z002 4 Cappers Court KELSO Roxburghshire TD5 7NG capct0004z002 3 Cappers Court KELSO Roxburghshire TD5 7NG capct0003z002 2 Cappers Court KELSO Roxburghshire TD5 7NG capct0002z002 1 Cappers Court KELSO Roxburghshire TD5 7NG capct0001z Borthwick Road HAWICK Roxburghshire TD9 8DA BORRD2015Z Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0027z Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0025Z Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0023z Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0021z Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0019Z Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0017Z Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0013Z Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0011Z002 5 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0005z002 3 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0003z002 1 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0001z Beech Avenue GALASHIELS Selkirkshire TD1 1LD BEEAV0276Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0063z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0061Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0059z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0057Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0055z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0053z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0049Z Beech Avenue GALASHIELS Selkirkshire TD1 1LD beeav0047z Beech Avenue GALASHIELS Selkirshire TD1 2LD beeav0045z Beech Avenue GALASHIELS Selkirkshire TD1 1LD beeav0043z002

16 Issued: April 2013 Page 16 of Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0041Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0037Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0035z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0033z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0031Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0029Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0027z Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0025z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0021Z Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0015Z002 5 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0005Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000100Z Abbotseat KELSO Roxburghshire TD5 7LP abb000098z Abbotseat KELSO Roxburghshire TD5 7LP abb000096z Abbotseat KELSO Roxburghshire TD5 7LP ABB000094Z Abbotseat KELSO Roxburghshire TD5 7LP abb000092z Abbotseat KELSO Roxburghshire TD5 7LP ABB000090Z Abbotseat KELSO Roxburghshire TD5 7LP abb000088z Abbotseat KELSO Roxburghshire TD5 7LP ABB000086Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000084Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000082Z Abbotseat KELSO Roxburghshire TD5 7LP abb000078z Abbotseat KELSO Roxburghshire TD5 7LP ABB000076Z Abbotseat KELSO Roxburghshire TD5 7LP abb000072z Abbotseat KELSO Roxburghshire TD5 7LP abb000070z Abbotseat KELSO Roxburghshire TD5 7LP ABB000068Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000066Z Abbotseat KELSO Roxburghshire TD5 7LP abb000064z Abbotseat KELSO Roxburghshire TD5 7LP abb000062z Abbotseat KELSO Roxburghshire TD5 7LP ABB000054Z Abbotseat KELSO Roxburghshire TD5 7LP abb000052z Abbotseat KELSO Roxburghshire TD5 7LP abb000050z Abbotseat KELSO Roxburghshire TD5 7LP ABB000048Z Abbotseat KELSO Roxburghshire TD5 7LP abb000044z Abbotseat KELSO Roxburghshire TD5 7LP abb000040z Abbotseat KELSO Roxburghshire TD5 7LP ABB000034Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000028Z Abbotseat KELSO Roxburghshire TD5 7LP ABB000026Z002 8 Abbotseat KELSO Roxburghshire TD5 7LP ABB000008Z002 4 Abbotseat KELSO Roxburghshire TD5 7LP ABB000004Z002