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Posts Tagged ‘tenants’

Memory stick lost after contractor stops for drink at his local pub

Monday, August 8th, 2011

Two London housing bodies are in trouble with privacy watchdogs after one of their contractors lost an unencrypted memory stick in a pub. The memory stick held data on 27,000 tenants of Lewisham Homes and Wandle Housing Association.

Privacy watchdogs revealed the unencrypted stick also held the tenants’ bank account details. Thankfully no harm was done because the lost stick was found by a Good Samaritan who handed it into the police. Despite this, both housing bodies have been publicly named and shamed over the lapse by the ICO (Information Commissioner’s Office). The two housing bodies have been ordered to improve their data security and ordered to make sure all portable devices which are used to store personal information on tenants are secure and encrypted.

Sally-Anne Poole, from the ICO, said “Saving personal information onto an unencrypted memory stick is as risky as taking hard copy papers out of the office. Luckily, the device was handed in, and there is no suggestion that the data was misused. But this incident could so easily have been avoided if the information had been properly protected. Using a memory stick to transport sensitive information may be convenient but it’s certainly not secure.”

Both housing organisations will now be subjected to a stricter monitoring regime by the information commission. They have apologised to all tenants and assured them it will not happen again. Tenants are angry that the property they rent and protect with household insurance could have been at risk if the memory stick had been found by a less honest person, had this happened the repercussions could have been severe. Newspapers have reported similar cases over the last few years and it does seem that data protection is still not taken seriously by many companies.

Tags: household insurance, privacy, tenants
Posted in Home Insurance | 1 Comment »

Council of Mortgage Lenders report holds no Christmas cheer

Friday, December 17th, 2010

If the latest report from the Council of Mortgage Lenders (CML) is to be believed, then 2011 is not going to be much of a year for homeowners looking to sell their property, or indeed for prospective buyers looking to get on the housing ladder.

The CML’s final gloomy report for 2010 did nothing to cheer up homeowners, home seekers or estate agents. Although their forecast is that nothing will change too much from the stagnation of 2010, they anticipate the Government’s action in pulling the plug on support schemes such as the Support for Mortgage Interest benefit, which was introduced by the last Labour Government when the recession was at its height, will certainly tip some homeowners over the edge and into repossession.

In all they anticipate repossessions to increase by about 4,000 to a yearly figure of 40,000 and they predict mortgage owners in arrears to go from 175,000 to 180,000. This they say will be down to the cut in government support.

With banks and building societies expected to keep their strict borrowing requirements in place, the CML anticipate no more than 860,000 house purchases to go through in 2011. The figure is slightly less than 2010 and down once more to the difficulty first time buyers are having in finding a mortgage that is viable. The great disappointment though for buyers in general, is that they can see bargains in the estate agents shop window but can’t do anything about it. The CML though, have noted that they expect house prices to remain stable in 2011 partly because homeowners with property’s for sale are digging their heels in and refusing to drop their prices any more.

It does seem that unless there is a sea change in the policies of the lenders then the buoyancy of the housing market that many in the UK thought would last forever, may have disappeared for the short term future at least. It would be interesting to see just how many of the house purchases last year resulted in a quote for landlord insurance rather than household insurance as the buy-to-let market does at least seem to be holding its own.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Mortgage Lenders, tenants
Posted in Home Insurance | No Comments »

Negative outlook for a few more years in store for some

Friday, September 3rd, 2010

Homeowners in Huddersfield who find themselves caught in the negative equity trap are looking at a long wait before they will see a profit on their homes. Estate agents in the area have agreed with the figures from the National Housing Federation; who say that those homebuyers who bought when the housing boom was at its peak in 2007 will have to wait at least four years before they turn the corner.

Negative equity occurs when the value of a property falls below the value of the loan that was used to buy it. Independent forecasts show that people who bought at the height of the boom paid an average of £216,800, it is predicted that this average will rise to £226,900 but not until 2014.

This picture is all too familiar to Paul Keighley, who is a partner at an estate agent in Huddersfield. He said “People in Huddersfield are in a similar situation. Anybody who bought at the peak in 2007 saw a 15% or 20% drop, so for them to get back into positive cash flow on their property it could take that long. It’s difficult to put a definite figure on how many people in the area are in that position. There are some good signs in that there are people who are waiting to move and repossessions seem to have slowed. Until the banks start lending to first time buyers at reasonable rates, it will be hard for the market to get going. The situation for those people is a minimum 10% deposit, but add to that legal and survey fees and arrangement fees for the lenders the cost could run into four figures in certain cases.”

The level of borrowing against the value of a house in Huddersfield is less than the national average. A property is not just a home it is also an investment which can be protected by household insurance. The figures which have been released will be dominated by properties in the south which could cause nervousness in some quarters, but in Huddersfield and surrounding areas homeowners look at things long term

Tags: household insurance, negative equity, property market, tenants
Posted in Home Insurance, Saving Money | No Comments »

Give a wall a new look with plaster

Tuesday, August 31st, 2010

Before starting this job clear the room of furniture and any expensive electrical equipment. The job is messy and the materials used could easily cause damage which could result in a claim on household insurance.

Spread plenty of plastic sheets all over the floor of the room. Mix your plaster according to the instructions on the bag, remembering to always add the plaster to the water using a clean bucket. It is vital to mix the water and plaster thoroughly so that the ready plaster will have a thickish, creamy consistency with no lumps. During the warmer months, the plaster can set within minutes, so it is a good idea if you are a novice to only mix an amount that can be used straight away. Another good tip is never add any new plaster to an old mix and do not add extra water to the plaster in an effort to make it more workable.

When the mix is ready, get a trowel full of plaster from the mix and onto the hawk, and then transfer about half the plaster to the trowel. Try to keep the wrist as straight as possible and use a flicking action with the hand holding the hawk to move the plaster from the hawk to the trowel.

Starting at the bottom of the wall, try and use smooth strokes to press the plaster onto the wall. Slowly close the gap between the top edge of the trowel and the wall when moving the tool upwards. Keep the trowel at a slight angle to the wall at the end of each stroke. If the trowel is flat against the wall surface it could easily pull the new plaster away from the wall.

Go over the entire area with the aim of applying a base coat, uneven areas or holes are not important at this point. The coat should be around 2mm thick. Next job is to level and smooth the surface, but only do this when the plaster has hardened slightly. Waiting for the plaster to go off can vary from a couple of minutes during the summer to twenty minutes or more in cold conditions.

Use the trowel at a shallow angle to the wall and go over the entire surface smoothing it out. Leave the plaster to dry for around forty minutes. When it is dry it can be polished. Do this by wetting the face of the trowel and flick water onto the wall. The idea of this is to provide just enough lubrication for the trowel to glide over the surface and fill out any small holes and imperfections. Use sweeping strokes to start and finish with long continuous strokes across the wall. When happy with the finished effect, wash all the tools immediately ready for future use.

Tags: Advice for Tenants, DIY, Home Insurance, household insurance, tenants
Posted in DIY, Home Insurance | No Comments »

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

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