Factoring Service Policy

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 http://www.scotland.gov.uk/publications/2011/09/23151014/3 Factoring Service Written Statement

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 (01450 364200) 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 2011. 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.

Issued: April 2013 Page 3 of 16 1.3 Waverley Housing is registered under the Property Factors (Scotland) Act 2011. Its registration number is PF000271. 1.4 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 2011- see Appendix 2. 4.2 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.

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 2010 7.2 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.

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. 10.2 We will consult with service users on any works identified that are not included in the relevant Written Statements. 10.3 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.

Issued: April 2013 Page 6 of 16 APPENDIX 1 13 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG KENAV1013Z002 20 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1020z002 14 Woodstock Road GALASHIELS Selkirkshire TD1 2DF WOORD1014Z002 13 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1013z002 12 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1012z004 11 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1011z002 10 Woodstock Road GALASHIELS Selkirkshire TD1 2DF WOORD1010Z002 4 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1004z002 1 Woodstock Road GALASHIELS Selkirkshire TD1 2DF woord1001z002 50 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0050z002 48 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0048z002 46 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0046z002 42 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0042z002 40 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0040z002 37 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0037z002 36 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0036z002 35 Woodstock Avenue GALASHIELS Selkirkshire TD1 2EF wooav0035z002 33 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0033z002 31 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0031z002 29 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0029z002 27 Woodstock Avenue GALASHIELS Selkirkshire TD1 2EF wooav0027z002 23 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0023Z002 22 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0022Z003 21 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED wooav0021z002 19 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0019Z002 15 Woodstock Avenue GALASHIELS Selkirkshire TD1 2ED WOOAV0015Z002 13 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 wooav0001z002 40 Wilson Drive HAWICK Roxburghshire TD9 9HP wildr0040z002 22 Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0022z002 13 Wilson Drive HAWICK Roxburghshire TD 8H wildr0013z002 12 Wilson Drive HAWICK Roxburghshire TD9 8HP WILDR0012Z003 11 Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0011z002 10 Wilson Drive HAWICK Roxburghshire TD9 8HP wildr0010z002 7 Wilson Drive HAWICK Roxburghshire TD9 8HR wildr0007z002 6 Wilson Drive HAWICK Roxburghshire TD9 8HP WILDR0006Z003 30 Talisman Avenue GALASHIELS Selkirkshire TD1 2DL TALAV0030Z004 28 Talisman Avenue GALASHIELS Selkirkshire TD1 2DL talav0028z002

Issued: April 2013 Page 7 of 16 19 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0019Z003 18 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0018Z002 17 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0017z002 16 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0016z002 15 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0015Z002 14 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0014z003 13 Oxnam Court HAWICK Roxburghshire TD9 7QW oxnct0013z002 12 Oxnam Court HAWICK Roxburghshire TD9 7QW OXNCT0012Z002 10 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 OXNCT0003Z002 71 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0071z002 69 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0069z003 68 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0068z002 67 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0067z002 66 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0066Z004 64 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0064z002 60 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0060z002 59 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0059z002 58 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0058z002 57 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0057z002 56 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0056z002 55 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0055z002 54 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0054z002 53 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0053Z003 52 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0052z002 51 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0051Z003 50 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0050z002 49 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0049z002 46 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0046z002 45 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0045z003 44 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0044Z004 43 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0043z002 40 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0040z002 38 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0038z002

Issued: April 2013 Page 8 of 16 37 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0037z002 36 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0036z002 34 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0034z002 33 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0033z002 31 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0031z002 30 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0030z002 29 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0029z002 28 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0028z002 25 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0025z002 24 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0024z002 23 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0023Z003 22 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0022z002 20 Oakfield Court KELSO Roxburghshire TD5 7NW OAKCT0020Z002 19 Oakfield Court KELSO Roxburghshire TD5 7NW oakct0019z002 27 Mercers Court KELSO Roxburghshire TD5 7NF MERCT0027Z002 26 Mercers Court KELSO Roxburghshire TD5 7NF merct0026z002 24 Mercers Court KELSO Roxburghshire TD5 7NF merct0024z002 23 Mercers Court KELSO Roxburghshire TD5 7NF merct0023z002 22 Mercers Court KELSO Roxburghshire TD5 7NF MERCT0022Z003 21 Mercers Court KELSO Roxburghshire TD5 7NF merct0021z002 20 Mercers Court KELSO Roxburghshire TD5 7NF merct0020z002 19 Mercers Court KELSO Roxburghshire TD5 7NF MERCT0019Z003 17 Mercers Court KELSO Roxburghshire TD5 7NF merct0017z002 16 Mercers Court KELSO Roxburghshire TD5 7NF merct0016z002 15 Mercers Court KELSO Roxburghshire TD5 7NF merct0015z002 14 Mercers Court KELSO Roxburghshire TD5 7NF merct0014z002 12 Mercers Court KELSO Roxburghshire TD5 7NF merct0012z002 11 Mercers Court KELSO Roxburghshire TD5 7NF merct0011z002 10 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 merct0001z002 136 McLagan Drive HAWICK Roxburghshire TD9 8BT mcldr0136z002 118 McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0118Z002 116 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0116z002

Issued: April 2013 Page 9 of 16 114 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0114z002 110 McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0110Z002 94 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0094z002 92 McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0092Z004 88 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0088z002 78 McLagan Drive HAWICK Roxburghshire TD9 8BS MCLDR0078Z003 66 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0066z002 58 McLagan Drive HAWICK Roxburghshire TD9 8BS mcldr0058z002 34 McLagan Drive HAWICK Roxburghshire TD9 8DB mcldr0034z002 10 McLagan Drive HAWICK Roxburghshire TD9 8DB mcldr0010z002 29 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0029z002 28 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0028z002 27 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0027Z003 26 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0026z002 25 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0025Z002 22 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0022z002 21 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0021z002 20 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0020z002 19 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0019z002 18 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0018Z002 17 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0017z002 16 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0016z002 15 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0015z002 14 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0014z002 13 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0013Z003 12 Maxton Court HAWICK Roxburghshire TD9 7QN maxct0012z002 11 Maxton Court HAWICK Roxburghshire TD9 7QN MAXCT0011Z003 10 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 MARRD0005Z002 33 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0033z002 31 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0031z002 29 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0029z002

Issued: April 2013 Page 10 of 16 27 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0027z002 25 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0025z002 23 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0023z002 21 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0021z002 3 Lothian Road JEDBURGH Roxburghshire TD8 6LA LOTRD0003Z002 1 Lothian Road JEDBURGH Roxburghshire TD8 6LA lotrd0001z002 50 The Linn KELSO Roxburghshire TD5 8EX lin000050z002 40 The Linn KELSO Roxburghshire TD5 8EX lin000040z002 39 The Linn KELSO Roxburghshire TD5 8EX lin000039z002 38 The Linn KELSO Roxburghshire TD5 8EX lin000038z002 37 The Linn KELSO Roxburghshire TD5 8EX lin000037z002 32 The Linn KELSO Roxburghshire TD5 8EX LIN000032Z003 31 The Linn KELSO Roxburghshire TD5 8EX LIN000031Z002 28 The Linn KELSO Roxburghshire TD5 8EX lin000028z002 21 The Linn KELSO Roxburghshire TD5 8EX lin000021z002 20 The Linn KELSO Roxburghshire TD5 8EX LIN000020Z002 18 The Linn KELSO Roxburghshire TD5 8EX lin000018z002 14 The Linn KELSO Roxburghshire TD5 8EX LIN000014Z002 13 The Linn KELSO Roxburghshire TD5 8EX LIN000013Z003 12 The Linn KELSO Roxburghshire TD5 8EX lin000012z002 11 The Linn KELSO Roxburghshire TD5 8EX lin000011z002 10 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 LIN000001Z004 36 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0036z002 34 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0034z002 32 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0032z002 30 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0030z002 24 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0024z002 22 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0022z002 20 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0020z002 18 Laurel Grove GALASHIELS Selkirkshire TD1 2LA laugr0018z003 13 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 laugr0002z002 25 Langlee Road GALASHIELS Selkirkshire TD1 2DQ LANRD0025Z002

Issued: April 2013 Page 11 of 16 167 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0167z002 165 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0165z002 163 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0163z002 161 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0161z002 159 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0159z002 157 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0157z002 155 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0155z002 153 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0153Z002 151 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0151z002 149 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0149z002 147 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0147z002 145 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0145z002 141 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0141z002 137 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0137z002 135 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0135Z002 131 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0131Z003 127 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0127z002 125 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0125Z002 123 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0123z002 121 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0121Z003 119 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0119Z003 117 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0117z002 115 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0115z002 113 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0113z002 111 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0111z002 109 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0109z002 107 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0107Z002 105 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0105z002 103 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0103z002 101 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0101Z002 99 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0099z002 97 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0097Z005 95 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0095z002 93 Langlee Drive GALASHIELS Selkirkshire TD1 2EA LANDR0093Z002 91 Langlee Drive GALASHIELS Selkirkshire TD1 2EA landr0091z002 74 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0074z002 72 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0072z002 70 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0070z002 68 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0068Z003 62 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0062z002

Issued: April 2013 Page 12 of 16 60 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0060z002 56 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0056z002 54 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0054z002 52 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0052z002 50 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0050z002 46 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0046z002 44 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0044z002 42 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0042z002 40 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0040z002 36 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0036z002 34 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0034Z003 30 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0030z002 26 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0026z002 24 Langlee Drive GALASHIELS Selkirkshire TD1 2EB LANDR0024Z003 20 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0020z002 18 Langlee Drive GALASHIELS Selkirkshire TD1 2EB landr0018z003 35 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0035Z002 33 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0033z002 31 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0031z002 27 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0027Z003 23 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ LANAV0023Z002 19 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0019z002 17 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0017z002 16 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0016z003 14 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0014z002 13 Langlee Avenue GALASHIELS Selkirkshire TD1 2DZ lanav0013z002 12 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 LADDR0001Z003 44 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1044z002 40 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1040z002 34 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1034z002 28 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1028z002 26 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DB kenav1026z002 24 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1024z002 22 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1022z002

Issued: April 2013 Page 13 of 16 20 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1020z002 17 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1017z003 15 Kenilworth Avenue GALASHIELS Selkirkshire TD1 2DG kenav1015z002 14 High Croft KELSO Roxburghshire TD5 7ND HIGCF0014Z003 12 High Croft KELSO Roxburghshire TD5 7ND higcf0012z002 10 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 higcf0002z002 58 Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ hawrd0058z002 56 Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0056Z004 54 Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0054Z003 52 Hawthorn Road GALASHIELS Selkirkshire TD1 2LQ HAWRD0052Z003 24 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY hawrd0024z003 12 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY HAWRD0012Z004 8 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY HAWRD0008Z003 2 Hawthorn Road GALASHIELS Selkirkshire TD1 2JY hawrd0002z002 132 Halliburton Place GALASHIELS Selkirkshire TD1 2JQ HALPL0132Z002 126 Halliburton Place GALASHIELS Selkirkshire TD1 2JQ HALPL0126Z002 18 Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0018Z003 16 Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0016Z003 14 Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0014z002 12 Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0012z002 10 Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0010Z002 6 Guthrie Drive HAWICK Roxburghshire TD9 7QQ GUTDR0006Z002 2 Guthrie Drive HAWICK Roxburghshire TD9 7QQ gutdr0002z002 64 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0064z002 62 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0062z002 58 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0058Z002 56 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0056z002 55 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0055Z003 43 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0043z002 32 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0032z002 31 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0031Z002 28 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0028Z003 26 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0026z002 24 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0024Z004 20 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0020z002 16 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB GRIAV0016Z002 12 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0012z002

Issued: April 2013 Page 14 of 16 11 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0011z002 7 Grieve Avenue JEDBURGH Roxburghshire TD8 6LB griav0007z002 39 Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0039z002 33 Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0033z002 31 Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR gletr0031z002 29 Glendinning Terrace GALASHIELS Selkirkshire TD1 2JR GLETR0029Z003 10 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 gailn0001z002 21 Fraser Avenue HAWICK Roxburghshire TD9 8DG FRAAV0021Z002 14 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0014Z002 13 Fairneylaw Place HAWICK Roxburghshire TD9 7QG faipl0013z002 11 Fairneylaw Place HAWICK Roxburghshire TD9 7QG FAIPL0011Z002 10 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 FAIPL0002Z005 58 Fairhurst Drive HAWICK Roxburghshire TD9 8HS faidr0058z002 27 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0027z002 26 Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0026Z002 20 Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0020Z002 19 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0019z002 18 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0018z002 17 Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0017Z002 16 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0016z002 15 Deloraine Court HAWICK Roxburghshire TD9 7QE delct0015z002 14 Deloraine Court HAWICK Roxburghshire TD9 7QE DELCT0014Z002 13 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

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 chast1004z002 16 Cappers Court KELSO Roxburghshire TD5 7NG capct0016z002 14 Cappers Court KELSO Roxburghshire TD5 7NG CAPCT0014Z003 11 Cappers Court KELSO Roxburghshire TD5 7NG capct0011z003 10 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 capct0001z002 15 Borthwick Road HAWICK Roxburghshire TD9 8DA BORRD2015Z003 27 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0027z002 25 Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0025Z003 23 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0023z002 21 Blair Avenue JEDBURGH Roxburghshire TD8 6LD blaav0021z002 19 Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0019Z003 17 Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0017Z002 13 Blair Avenue JEDBURGH Roxburghshire TD8 6LD BLAAV0013Z002 11 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 blaav0001z002 276 Beech Avenue GALASHIELS Selkirkshire TD1 1LD BEEAV0276Z004 63 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0063z002 61 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0061Z002 59 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0059z002 57 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0057Z003 55 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0055z002 53 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0053z002 49 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0049Z003 47 Beech Avenue GALASHIELS Selkirkshire TD1 1LD beeav0047z002 45 Beech Avenue GALASHIELS Selkirshire TD1 2LD beeav0045z002 43 Beech Avenue GALASHIELS Selkirkshire TD1 1LD beeav0043z002

Issued: April 2013 Page 16 of 16 41 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0041Z002 37 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0037Z002 35 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0035z002 33 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0033z002 31 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0031Z002 29 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0029Z002 27 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0027z002 25 Beech Avenue GALASHIELS Selkirkshire TD1 2LD beeav0025z002 21 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0021Z002 15 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0015Z002 5 Beech Avenue GALASHIELS Selkirkshire TD1 2LD BEEAV0005Z002 100 Abbotseat KELSO Roxburghshire TD5 7LP ABB000100Z004 98 Abbotseat KELSO Roxburghshire TD5 7LP abb000098z002 96 Abbotseat KELSO Roxburghshire TD5 7LP abb000096z002 94 Abbotseat KELSO Roxburghshire TD5 7LP ABB000094Z002 92 Abbotseat KELSO Roxburghshire TD5 7LP abb000092z002 90 Abbotseat KELSO Roxburghshire TD5 7LP ABB000090Z002 88 Abbotseat KELSO Roxburghshire TD5 7LP abb000088z002 86 Abbotseat KELSO Roxburghshire TD5 7LP ABB000086Z003 84 Abbotseat KELSO Roxburghshire TD5 7LP ABB000084Z003 82 Abbotseat KELSO Roxburghshire TD5 7LP ABB000082Z004 78 Abbotseat KELSO Roxburghshire TD5 7LP abb000078z002 76 Abbotseat KELSO Roxburghshire TD5 7LP ABB000076Z002 72 Abbotseat KELSO Roxburghshire TD5 7LP abb000072z002 70 Abbotseat KELSO Roxburghshire TD5 7LP abb000070z002 68 Abbotseat KELSO Roxburghshire TD5 7LP ABB000068Z002 66 Abbotseat KELSO Roxburghshire TD5 7LP ABB000066Z002 64 Abbotseat KELSO Roxburghshire TD5 7LP abb000064z002 62 Abbotseat KELSO Roxburghshire TD5 7LP abb000062z002 54 Abbotseat KELSO Roxburghshire TD5 7LP ABB000054Z002 52 Abbotseat KELSO Roxburghshire TD5 7LP abb000052z002 50 Abbotseat KELSO Roxburghshire TD5 7LP abb000050z002 48 Abbotseat KELSO Roxburghshire TD5 7LP ABB000048Z002 44 Abbotseat KELSO Roxburghshire TD5 7LP abb000044z002 40 Abbotseat KELSO Roxburghshire TD5 7LP abb000040z002 34 Abbotseat KELSO Roxburghshire TD5 7LP ABB000034Z003 28 Abbotseat KELSO Roxburghshire TD5 7LP ABB000028Z002 26 Abbotseat KELSO Roxburghshire TD5 7LP ABB000026Z002 8 Abbotseat KELSO Roxburghshire TD5 7LP ABB000008Z002 4 Abbotseat KELSO Roxburghshire TD5 7LP ABB000004Z002