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					ST NDARD
Issue 3                                                       News, Views and Comments. Winter 2008

                                                                                            In this Issue
Further to the recent launch in July,
Pinpoint has been a success for a                                                           Home Contents
number of our applicants looking for                                                        Insurance
                                                                                            Page 2
re-housing. All available properties
are advertised through the Pinpoint
                                                                                            Moneyline
                                                                                            Page 2
website www.pinpoint.org.uk from
                                                                                            Furniture Re-use
all over Greater Manchester.                                                                Network
If you require any further details                                                          Page 2
regarding Pinpoint please contact                                                           Shared Ownership
Rachel Dicocco on 0161 214 4120.                                                            Homes
                                                                                            Page 3
Our first letting via Pinpoint was to
Mrs Hakurotwi at Beech Court.                                                               Leaseholders:
                                                                                            Have your say
                                                                                            Page 3
                                                                                            Short Waiting Lists
                                                                                            Page 3
                                                                                            New Approach to
                                                                                            Resident Involvement
                                                                                            Page 4
                                                                                            Arcon partners with
                                                                                            energy companies
                                                                                            Page 4
                                                                                            How to beat the profit
Beech Court                                                                                 making phone lines
                                                                                            Page 4
Miss Hakurotwi contacted Salford City Council who advised her to register with Pinpoint;
she received a pin number and password. She found it easy to bid as she had access to the   Jamacian Jerk Chicken
                                                                                            Page 5
internet from a friend’s computer.
The first bid for a property was not successful.                                            Congratulations
                                                                                            Page 5
The next bid was for an Arcon property; Arcon contacted and informed she was one of three
possible applicants. The Housing Officer arranged a home interview and two days later
                                                                                            Wordsearch
                                                                                            Page 5
confirmed she was successful in her bid. Within a week she had signed for the property
and moved in. Miss Hakurotwi is very pleased with the property and the scheme and would     Mrs Pertoldi
                                                                                            Page 5
recommend using Pinpoint.
                                                                                            Arcon takes action!
                                                                                            Page 6
                                  Office Closing Times over the Christmas period
                                                                                            Extra help
                                  Arcon offices will close on Wednesday 24th December       Page 6
                                  2008 close at 2.30pm for the Christmas period and will
                                                                                            Staff Changes
                                  re-open on Monday 5th January 2009.                       Page 6
                                  May we take opportunity to wish all our residents a
                                  Very Happy Christmas.
                                                                                            Shared Ownership
                                                                                            Page 7



            24 Hour Gas Emergency Telephone – Alan Chew & Co Ltd 0161 737 9393
    Arcon Standard Issue 3                                                                                                                                                                                                                                     Arcon Standard Issue 3




    Home Contents Insurance                           The Association is always encouraging their tenants to take out cover on
                                                                                                                                              SHARED OWNERSHIP HOMES HELP YOUNG PEOPLE
                                                                                                                                              GET A FOOT ON THE HOUSING LADDER
                                                   their contents even if you think some things aren’t worth covering.                           Life was hectic for Jenna (23) and Luke (23) and their 2 year old before they moved to Norwood Road as
                                                   How expensive would it be if you had to replace these items due to a fire or flood?
                                                                                                                                              they were living as a family of seven with their parents and the family dog! As a young family they were in
                                                       Insurance cover need not be expensive:
                                                                                                                                              need of some space of their own.
                                                       For the weekly amount of £2.62 you may pay to insure a television set bought on
                                                   credit.                                                                                        Luke has a job with the bank, and Jenna has just completed a Health Access course
                                                                                                                                              at college, enabling her to start a nursing degree course at Salford University.
                                                       You could insure contents worth £20,000 from £2.64 per week with the My Homes
                                                                                                                                                  Ready to put down roots as a family, the couple had looked at a shared ownership
                                                   Contents Insurance from the National Housing Federation.
                                                                                                                                              scheme in Urmston just after their son was born, but it had fallen through. With Jenna
                                                       You would have no need to take out the extra cover and you will have peace of mind     about to start university, and the need for space and tranquillity even greater, they
                                                   that all your house contents are covered, not just your TV!                                decided to look again.
                                                       Its value for your money: For more information please contact the Association.             After an evening browsing on www.rightmove.com they came across the new
                                                                                                                                              apartments available from Arcon Housing Association on Norwood Road, Stretford,




    Moneyline                                                                 Furniture
                                                                                                                                              just 5 minutes from their current home. The four new apartments were available on a
                                                                                                                                              shared ownership basis, and just 5 weeks on from first seeing them, they had moved in!
                                                                                                                                                  The couple applied for a mortgage for £40,000 to buy them a 25% share of the



                                                                              Re-use
                                                                                                                                              property. The mortgage application was made on Luke’s salary alone, as Jenna would
                                                                                                                                              be a student for the coming three years. The mortgage was accepted, and the family
        There are times when you might need a little extra                                                                                    moved in. They will now pay their mortgage repayments each month to the bank, as


                                                                              Network
    money for a specific purchase or to get you through a                                                                                     well as paying a rent to Arcon for the remaining 75% of the value. They are also of
                                                                                                                                              course responsible for paying their own bills.
    difficult period.
                                                                                                                                                  Jenna said: “We love our new home – everything is brand new, it is five minutes
       For instance, to buy a new washing machine or to finance
                                                                                   Furniture re-use charities collect unwanted but good       from Longford Park, and we have a fantastic big shared garden as well. Living in an
    some essential home improvements. Tackling financial                                                                                      apartment with everything on one level makes life so easy!
    exclusion is very important to Arcon. We are doing all we can              quality items from households who no longer need them
                                                                                                                                                  She continues: “We would recommend shared ownership to anyone – it has given
    to enable our tenants to manage their financial affairs better             and distribute them to families that do.
                                                                                                                                              us a chance to buy our own home even at a time when we only have one income while
    and get credit from an affordable supplier.                                    Furniture re-use projects work to quality standards        I study to start my own career. Luke has just got a promotion, and in a few years I will
       As a result, we have teamed up with Moneyline Greater                   ensuring the household items they offer for sale or            also be earning a good salary meaning we will be able to buy more shares in our home
    Manchester to help provide you with affordable personal                    distribution are “fit for the purpose.”                        in the future too.”
    loans. We want you to be able to afford your repayments and                    There is an inspection process on all items of furniture



                                                                                                                                                                                                                    Short Waiting Lists
                                                                               before they are offered and all refurbished Electrical items

                                                                                                                                              Leaseholders:
    with the Moneyline schemes, the interest rate is fixed when
    you sign up and your payments will not change throughout                   are tested.



                                                                                                                                              have your say!
    the period of the loan. For example, a £300 loan repayable                     Furniture re-use projects sell a mixture of new and
    over one year for a replacement cooker will only cost you £35              reused items. They keep prices as low as reasonably                                                                                      The waiting lists of the following schemes are relatively short.
    in interest, with a typical APR of just 28.3%. This can mean               possible and on average, the cost of buying household                                                                                    If you have any friends or family who may be interested please
                                                                               goods from a furniture re-use project is 10-50% of the price                                                                         ask them to telephone 0161 214 4120 for an application form.
    that you are saving as much as £133 in interest compared to                                                                                   In 2006, Arcon carried out a survey to see how satisfied
                                                                               on the high street.                                                                                                                      If further details are required all our schemes can be viewed
    some less reputable doorstep lenders.                                                                                                     leaseholders were with the quality of their scheme and the
                                                                                   For more information please visit: www.frn.org.uk or                                                                             at www.arcon.org.uk
       Moneyline Greater Manchester also differ in that they                                                                                  service provided by Arcon.
    can offer loans for many different purposes to people                      call 0161 437 1363                                                 The overall response was very positive and showed that            Avondale Court, Manchester Road, Castleton, Rochdale 1 Bed Flats
    who might find it difficult to get credit elsewhere. Just                                                                                 most leaseholders were fairly satisfied with the quality of the       Chantry Court, Lomas Square, Macclesfield            1 & 2 Bed Flats
                                                                                                                                              scheme and the service provided by Arcon.                             (over 55’s only)
    tell Moneyline what you need the money for and they will
                                                                                                                                                  The survey also highlighted areas that the Association            Milnrow, Rochdale                                    1 & 2 Bed Flats
    consider it. All tenants who live in Salford, Rochdale and
                                                                                                                                              needed to address including service charge calculation and            Langley Court, 16/18 Upper Park Road, Salford           2 Bed Flats
    Trafford are eligible to make a loan application. However,                                                                                leaseholder involvement and consultation. We have looked at
                                                                                                                                                                                                                    St Marys’s Court, Elbow Street, Levenshulme,            1 Bed Flats
    there is no automatic right to a loan and every applicant will                                                                            both of these areas in detail and continue to do so as part of        Manchester
    be assessed individually. You can apply to borrow up to a                                                                                 our leaseholder action plan.
                                                                                                                                                                                                                    Mill Court, Shrewsbury Street, Glossop, Derbyshire      2 Bed Flats
    maximum of £1000 from Moneyline, which must be repaid                                                                                         We will be sending out a survey again in November. Please
                                                                                                                                                                                                                    Fir Court, Kennedy Avenue, Upton Priory,             1 & 2 Bed Flats
    within a maximum period of two years. Call Moneyline on                                                                                   take the time to complete this survey as your feedback is very
                                                                                                                                                                                                                    Macclesfield
    0161 736 6500, email loans@moneylinegm.co.uk or visit the                                                                                 important to us. Arcon wants to provide a high standard of
                                                                                                                                              service which is value for money at the same time.
    website at www.moneylinegm.co.uk.
                                                                                                                                                  We will also be holding another leaseholder forum in 2009
       If you live outside the above areas or would like to know
                                                                                                                                              – further details will be sent nearer the time.
    other sources of affordable loans, please contact ABCUL,
                                                                                                                                                  If you would like any more information please contact
    the association representing credit unions, at Holyoake                                                                                   Lisa Crannage on 0161 214 4120 or lisa.crannage@arcon.
    House, Hanover Street, Manchester, M60 0AS                                                                                                org.uk. Alternatively, please write to me at 12 Lloyd Street,
       0161 832 3694, www.abcul.org                                                                                                           Manchester M2 5ND.
                                                                                                                                                                                                                    St Marys Court                    Chantry Court
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                                                                                                                                       Jamaican Jerk Chicken
    Arcon Standard Issue 3                                                                                                                                                                                                                       Arcon Standard Issue 3




    New Approach to Resident                                                                                                           2
                                                                                                                                       1 tbs
                                                                                                                                               Chicken Breast skinned
                                                                                                                                               Jerk seasoning
                                                                                                                                                                                      Method
                                                                                                                                                                                      Marinate chicken with Jerk seasoning



    Involvement
                                                                                                                                                                                      garlic, salt and pepper.
                                                                                                                                       1       Clove garlic crushed                   Cover and leave in fridge overnight
                                                                                                                                       2       Lemon Wedges                           preferable.

                                                                                                                                               Pinch of salt and pepper               Bake
       Arcon are keen to hear the views of all of our tenants.                                                                                                                        Uncovered in oven with a drop of Olive
    We offer a variety of ways that tenants can get involved from                                                                                                                     Oil for 50 minutes. Serve with lemon
    individual meetings with your Housing Officer to becoming a                                                                        Serves 4-6                                     Wedges with a salad or savoury rice.
    member of our Tenant Committee. Throughout the summer



                                                                                                                                                                                                             Wordsearch
    we have tried to engage with tenants who may not usually
    want to get involved. We have held several meetings in a less
    formal manner around a social event. There was a very good
    turn out at Blackley, and our three schemes in Stockport that                                                                                                                                               Find all the house
                                                                                                                                       to Nick and Marti Jackson                                                                     B   T   A   B   C   D   E   F   G   C
    don’t usually have scheme meetings did come to see us and                                                                                                                                                hold rooms:             E   N   O   M   L   K   J   I   H   O
    have a bite to eat.                                                                                                                of Blackley who
                                                                                                                                                                                                                Toilet               D   O   P   I   Q   R   S   T   U   N
       We also held a meeting in Gorton and Levenshulme for                                                                            were married on                                                                               R   Y   X   W   L   O   F   T   V   S
    tenants who live in our dispersed terraced housing.                                                                                                                                                         Bathroom             O   Z   A   B   C   E   D   E   F   E
                                                                                                                                       9th May 2008                                                                                  O   L   K   J   I   N   T   H   G   R
       Whilst the numbers that attended were low, the meetings                                                                                                                                                  Bedroom
    were very productive and we will be holding more In the                                                                                                                                                                          M   M   N   O   P   S   Q   R   S   V
                                                                                                                                                                                                                Kitchen              A   Z   Y   X   W   U   V   U   T   A
    future. David Lovelady Housing Director said “we will
                                                                                                                                                                                                                Lounge               B   C   D   E   F   I   K   G   H   T
    continue to offer a variety of opportunities for tenants to get
                                                                                                                                                                                                                                     E   O   N   M   L   T   I   J   I   O
    involved, and hopefully the social events will prove popular                                                                                                                                                Diningroom           P   G   Q   R   S   E   T   T   U   R
    with people who don’t usually go to formal meetings.”                                                                                                                                                                            B   A   N   Z   Y   X   C   W   V   Y
                                                                                                                                                                                                                Hall
                                                                                                                                                                                                                                     C   D   E   U   F   G   H   C   H   I
                                                                                                                                                                                                                Garage               P   O   N   M   O   L   E   K   J   E

    Arcon Housing        How to beat the profit                                                                                                                                                                 Loft
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    Association partners making phone lines
                                                                                                                                                                                                                Cellar               C   D   E   A   F   G   R   H   I   J
                                                                                                                                                                                                                                     R   Q   R   P   O   A   N   M   L   K
                                                                                                                                                                                                                Ensuite

    with energy
                                                                                                                                                                                                                                     M   O   O   R   G   N   I   N   I   D
                                                                      Company          Pay             Local Rate      Free                                                                                     Conservatory         S   B   A   T   H   R   O   O   M   T
                                                                                                       Number

    companies to tackle                                               United           0845 746 2222   01925 234 000   0800 056 7693


                                                                                                                                       Mrs Pertoldi. 18 Watts Street. M19 2TR
                                                                      Utilities


    climate change                                                    Virgin Media 0845 454 1111
                                                                      DVLA
                                                                      British Gas
                                                                                       0870 240 009
                                                                                       0845 606 0852
                                                                                                       01752 300 300
                                                                                                       01792 782 341
                                                                                                       0113 338 1022
                                                                                                                       0800 953 5353
                                                                                                                       0800 085 2323
                                                                                                                       0800 028 1028       I have been a tenant with Arcon for 15 years now, as a
       Arcon Housing Association has teamed up with                                                                                    child my parents rented a property with Arcon, I think the
                                                                      Carphone         0845 454 1111   01752 300 300   0800 953 5353
    one of the country’s leading energy suppliers, a                                                                                   service’s Arcon provide are to a high standard compared
                                                                      Warehouse
    leading green support services company and the                                                                                     to what I know from friends who haven’t been as lucky with
                                                                      Source: www.saynoto0870.com
    Government’s national affordable homes agency to                                                                                   other Associations. Myself and a neighbour recently attended
    reduce carbon emissions across its housing stock by               Higher-Cost Helplines                                            a residents meeting it was our first time and we were
    sending out energy efficient light bulbs to its most                                                                               apprehensive it turned out to be a positive evening where we
    vulnerable households.                                               0871: Admiral Insurance, Bell Insurance, Elephant             could discuss our views regarding our homes.
                                                                      Insurance, Diamond Insurance, Nikon, Tiscali                         I was asked to write a letter about my garden, I have never
       We join the Housing Corporation, EDF Energy and eaga,
                                                                                                                                       been into gardening until the last couple of years, a friend
    one of the largest providers of domestic energy solutions in         0870: Apple (Tech Support), Carphone Warehouse/
                                                                                                                                       got me started but the first year I neglected it. The following
    Europe, to distribute the light bulbs, donated by EDF Energy,     Talk Talk, DVLA, Gladiator Insurance, Lexmark, Philips, Sony,
                                                                                                                                       spring the plants grew back so I thought I’d give it a try. At the
    and issued to homes where tenants might be vulnerable to          Zanussi-Electrolux
                                                                                                                                       beginning I didn’t even want to put my hands in the soil !! now
    fuel poverty.
                                                                         0844: AOL, Orange, Panasonic, Sky, TV Licensing               I love gardening. It was very rewarding with a little nurturing
       Each household will receive four light bulbs with a life
                                                                                                                                       the plants and flowers give you back a lot of satisfaction.
    span ten times longer than regular bulbs and an energy               0845: Barclays, British Gas, Consumer Direct, Direct Line,    People give you cuttings and you can pick up plants cheap plus
    usage 80% less than a standard one. In total the scheme           Eon, Green Flag, Halifax, Lloyds TSB, Miele, Npower, Philips,    the birds and bees love it ! and sometimes plants appear from
    aims to save 1.14 million tonnes of CO2 over a ten year           Scottish and Southern Energy, Scottish Power, TV Licensing,      nowhere I have plants and flowers from the birds dropping
    period, which would equate to over 230,000 Olympic-size           Virgin Media                                                     seeds.
    swimming pools.                                                   Source: Which?                                                      Gardening is good for the soil! Give it a try.
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    Arcon Standard Issue 3                                                                                                                                                                                                                                 Arcon Standard Issue 3




    Arcon takes action!
      Arcon do not tolerate anti–social behaviour
    and believe that everyone has the right to live
                                                                        and will investigate all complaints made to us. Some cases are
                                                                        resolved by Arcon simply contacting the person who is alleged
                                                                                                                                           Shared Ownership
                                                                                                                                              Over recent years the Government has been keen to promote mixed tenure neighbourhoods in a bid to get away
                                                                                                                                           from large Housing Estates of rented properties. Housing Associations have been at the forefront in delivering
                                                                                                                                           developments comprising a mix of both rented and privately owned properties.
    peacefully in their home.                                           to be commiting anti-social behaviour. Others may be resolved         Rapidly increasing house prices through much of the last           share can be purchased for under £40.000, with rent being paid
       We have very recently been successful in obtaining two           after mediation or formal warning interviews. For any case to      decade has made it increasingly difficult for people to get onto      on the remaining 75%, the monthly cost is below £500.00.
    orders from the court to prevent Anti – Social Behaviour.           be taken forward to court we do rely heavily on information        the housing ownership ladder. This has resulted in a number of           Two other developments are shortly due to go on the market,
    We have been granted an Injunction against a tenant at Oak          from tenants to support allegations. We cannot successfully        different schemes being devised offering advantageous terms to        3 three bedroomed semi-detached houses in Carrington and 2
    Court, Whalley Range whose property was recently searched           take action unless tenants are prepared to provide us with         get into home ownership, the most successful and best known           two bedroomed apartments in Whaley Bridge, Derbyshire.
    by police and he was found to be in possession of cannabis.         the information. In both of these recent cases tenants were        of these being Shared Ownership. This enables a purchaser                Any existing Arcon tenants interested in moving into
    We have also been granted an Undertaking against a tenant           forthcoming with their complaints and a number provided            to buy part of a property and rent the remainder. The cost of         home ownership may well find Shared Ownership offers the
    at Highgrove Court, Blackley for causing a nuisance and             witness statements’. If you are experiencing any problems with     the mortgage for the purchased portion together with the rent         most financially viable route. Further details on any of the
    annoyance to neighbours. Housing Manager Janine O’Connor            anti-social behaviour please do not hesitate to contact your       on the remainder works out cheaper than a mortgage on the             properties mentioned can be obtained from Karen Moore at
    says ‘Arcon take all reports of Anti-Social behaviour seriously     Housing Officer.                                                   full value. Realising the benefits of Shared Ownership, Arcon         Arcon (0161-214-4126). Karen would also be happy to arrange
                                                                                                                                           entered the market some three years ago and has to date built         viewings of the properties on offer.




    Extra help at Thompson Court
                                                                                                                                           and sold 2 developments of apartment in Shaw and Stretford.              All properties are offered ready to move into including floor
                                                                                                                                              Shared Ownership with Arcon enables purchasers to buy a 25%        coverings throughout and kitchen white goods. They are built to
                                                                                                                                           or 50% stake in the property, renting the remainder, further 25%      a high standard fully complying with the current green agenda



    and Wilton Court
                                                                                                                                           shares can be purchased in the future until the full 100% is owned.   which ensures a very high level of energy efficiency.
                                                                                                                                              Following Arcon’s successful schemes in Shaw and Stretford
                                                                                                                                           further developments are in hand. In Abbey Hey, Gorton there
                                                                                                                                           are 7 three bedroomed houses currently on offer where a 25%
       Residents at Thompson Court and Wilton Court have been receiving a little extra help thanks a special new pilot
    scheme designed to improve the quality of life of some of their more elderly residents.
       The two schemes consist of 52                 To date Ann’s advice has been                                                         3 bedroom Houses at The Paddock, Maypole Close, Carrington.
    flats for people over the age of 55 living    varied. She has arranged special taps, a                                                 New Build HomeBuy Scheme.
    in ‘Category 1’ accommodation. With
    many of the residents getting older,
                                                  wheelchair, shower rails and equipment
                                                  to show a lady with impaired hearing                                                     £83,975 (50% purchase price)
    but not wanting to move into sheltered        when her doorbell and a. She provides                                                        At The Paddock, Arcon Developments Limited has created 3 new houses for sale
    accommodation, Arcon decided to pilot         help with completing benefits forms,                                                     on a Shared Ownership basis. The development in situated in Carrington village and
    a new scheme to give them the little          liaises with Social Services and provides                                                benefits from easy motorway access to the M60.
    bit of extra help needed to keep them         ongoing assessments to ensure that                                                           Each house comprises to the ground floor entrance hall, lounge, dining area/
    independent and in their own homes.           residents have the right equipment                                                       kitchen and downstairs cloaks. On the first floor is the master bedroom with en-suite,
       The Association set up a pilot scheme      in their homes to keep them safe and                                                     and a second and third bedrooms plus a family bathroom. The houses are designed
    based on the introduction of a Mobile         happy.                                                                                   to Eco Homes Very Good standard to ensure high levels of energy efficiency and they
    Warden, contracted from partner                  Ann comments’ “It is fantastic to                                                     also comply with Secure by Design.

    organisation Johnny Johnson Housing           work with Arcon on this project – the           David Lovelady from Arcon adds:
    who specialise in accommodation for           service provided means that we are           “This has been a successful pilot that      2 Bedroom Apartments at Tymbark House, Wharf Road,
    the elderly. Ann Broadley, has then been      keeping these elderly people in their        has really shown dividends. We are now      Whaley Bridge, Derbyshire. New Build HomeBuy Scheme.
    visiting Thompson Court and Wilton Court      local community, stopping them from          looking to continue to fund the scheme at
    for 2 hours every week for appointments       becoming vulnerable as they get older.       Thompson Court and Wilton Court as well
                                                                                                                                           £34,988 (25% Purchase Price) –
                                                                                                                                           due for completion
    with residents to provide advice and          They have been so grateful to have           as extend it to similar schemes for the
    assistance on their living arrangements.      someone looking out for their interests.“    over 55’s.

                                                                                                                                               Arcon Housing Association is building a small development comprising 6



    Staff Changes
                                                                                                                                           apartments at Tymbark House, 2 of the apartments are offered for sale under the
                                                                                                                                           New Build HomeBuy Scheme (Shared Ownership). The development is close to
                                                                                                                                           Whaley Bridge centre which provides good local shopping and public transport
                                                                                                                                           facilities.
       There has been one new staff change at Arcon since our last newsletter.                                                                 Each apartment is accessed via a carpeted shared hallway and the accommodation
       We would like to welcome Loretta Rigby to our Housing Department as our new
                                                                                                                                           comprises two bedrooms with a well proportioned bathroom and spacious combined
    Housing Officer replacing Louise Heighway.
                                                                                                                                           lounge/kitchen area. The apartments are designed to Eco Homes very good standard
       We bid a farewell to James Latham who has returned to University.
                                                                                                                                           ensuring very high levels of energy efficiency. They also comply to Secure By Design,
                                                                                                                                           the Police approved home security standard.
6                                                                                                                                                                                                                                                                                   7
                                                         northern
                                                      lights group
                            Published by Arcon Housing Association
                                 12 Lloyd Street, Manchester M2 5ND.

                                                         northern
           Telephone 0161 214 4120 E-mail enquiries@arcon.org.uk Website: www.arcon.org.uk


                                                      lights group
24 Hour Gas Emergency Telephone – Alan Chew & Co Ltd 0161 737 9393