-
Lets Swap is a mutual exchange, or home swapping service, for
residents of housing associations like the Accord Group, across the
West Midlands.
Developed by the WMBUS (West Midlands Best Use of Stock)
partnership, the service allows people to advertise their homes,
search for a swap and then apply online.
Simple and easy to use, the self-help service, which can be
found
at lets-swap.org, features hundreds of homes managed by 21
housing associations and councils.
Emma Stone, Mutual Exchange Facilitator for the Accord Group,
said: Many of our customers are looking to downsize as a result of
the Bedroom Tax and Lets Swap is an ideal way to do this.
You can search via area or for how many bedrooms youre looking
for, making it a quick and
easy way to search for homes and then swap.
The site is also perfect for people looking to upsize and with
homes from 21 housing associations and councils across the West
Midlands there is lots of choice.
For more information about mutual exchanges and the Lets Swap
service, contact Emma Stone, Mutual Exchange Facilitator, on 0300
111 7000 extension 7311 or email [email protected]
People in the West Midlands who want to swap their homes for
larger or smaller ones can now do so using a brand new service.
Service offers new way to swap homes
Last chance to nominate aGreat ResidentIf you havent already,
you still have time to nominate a neighbour or fellow resident for
a Great Resident Award. The closing date is Friday, 18 October and
the awards celebrate the achievements of residents from across the
Accord Group over the last year.
The winners of the annual Great Resident Awards will be revealed
at an awards ceremony in November, with the winners published in
the December edition of Our House.
Categories include, Resident Group of the Year, Best Newcomer
and Lifetime Achievement. To see the full list of eight categories
and download a nomination form go to accordgroup.org.uk
To nominate, call the Resident Engagement team on 0300 111 7000
extension 2014 or email [email protected]
In this issue... Accord Group resident newsletter October,
2013
Your Group, your news @theaccordgroup facebook.com/accordgroup
youtube.com/theaccordgroup
Our HouseFundraising hit!Whats cooking at
Holiday Kitchen?Skills swap success
Summer picture special
p10p6p5p3
OUR NEW MAGAZINE FOR YOUNG PEOPLE.
CHECK IT OUT INSIDE.
LIKE US ON FACEBOOK
AND WIN 50!See back page
for details
-
Hello and welcome to the October edition of your quarterly
newsletter, Our House.
We hope that youve had a lovely summer and enjoyed the warm
weather. Maybe youve even come along to one of the events held by
your housing association?
From fun days to trips to the seaside, theres been plenty to get
involved in. You can see photos from some of the events in our
photo special on page 10.
If youre looking for work and need a helping hand, weve also got
some top tips on bouncing back from a job rejection and information
on jobs and skills coaches who can offer support and advice, all on
page 6.
While on page 9, you can find out all you need to know about
opening a bank account, from the difference between a current and
basic one to how you can apply.
We are also really pleased to unveil our new, twice-yearly
supplement especially for 12-18 years old, The Mix. We really hope
you like it!
And finally, dont forget to send your views about any articles
in the newsletter to me at [email protected] or write to
Our House C/O Claire Morrall, Accord Group, 178 Birmingham Road,
West Bromwich, West Midlands, B70 6QG.
I would like to pass my thanks onto Greenscape. Every time they
come down to Cwerne Gardens they leave the grounds looking
beautiful. My neighbours work really hard, every day of the year,
to keep the grounds looking good too and I think George, Lynne,
Bob, Sharon and Beryl in particular deserve a mention in this
newsletter. The grounds of Cwerne Gardens are beautiful, an
absolute marvel!
Mr. D Powiss, Lower Gornal, Dudley
Thank you for your comments Mr Powiss. We popped down to Cwerne
Gardens to take a photo and show our readers just how nice your
gardens are.
Id like to say a huge thank you to all the residents, their
friends and family, who attended the Caldmoreaccord day trip to
Llandudno on the Conwy coast. It was a lovely day and weve had lots
of positive feedback from residents to say how much they enjoyed
it. Id now really like residents suggestions on where they would
like to go for next years trip, which is planned for 9 August,
2014. Once I have these, a shortlist will be drawn up which will be
put to a vote. If you do have any suggestions, please email me at
[email protected] or call 01922 728235.
Nazir Ahmed, Resident Engagement Officer, Caldmoreaccord
Hello!
Claire
Facebook snapshot what youre talking about
s Representatives from the Pattern Gardens TMO visited the
Accord Groups LoCaL Homes factory this week to see where the homes
that they live in are manufactured.
s Ive just received your Accord Group mag through the post, only
to open it up and see two of my photos I sent you in it! Thank you,
its made my day.
s A residents trip that was arranged by a resident himself for
his neighbours has gone down a treat on the Severn Valley Railway.
John Williams, of Stephenson Place in Bewdley, sorted out the free
trip for many of his fellow residents and their guests.
October, 20132
Your GROUP
THE MAILBAG
Our HOUSE
0300 111 7000
clairemo@ accordgroup.org.uk
accordgroup.org.uk
/accordgroup
@theaccordgroup
/theaccordgroup
Accord Group, 178 Birmingham Road, West Bromwich, West Midlands,
B70 6QG
Get in touch...
-
October, 2013 3
Your NEWS
Our HOUSE
Home sweet home - first families move into new homes
The first families of a new housing development in the heart of
West Bromwich town centre have moved into their new homes.
Managed by Caldmoreaccord, the homes are made up of high-quality
three and four-bedroom houses and apartments for affordable rent
and sale.
The first lot of homes was completed in July, with Mr Shalikur
Rahman and his family amongst one of the first to move in.
The whole development, which is situated off Overend Street, is
set to be completed by July next year.
Alan Yates, Executive Director of Regeneration at the Accord
Group, said: Its great to welcome the first families to Urban 180
and hear first-hand how happy they are in their new homes.
For more information about Urban 180, or to register interest in
purchasing a home there, visit accordgroup.org.uk/homes
Holiday Kitchen cooks up help for 3,000
People with dementia in the Black Country are being invited to
take part in a pioneering project to develop technology which will
help them around the home.
The Accord Group is one of just a handful of organisations
chosen to carry out the research as part of the PIA (Personal IADL
Assistant) project.
Dementia specialists will interview people in Walsall, Sandwell
and Dudley with early onset dementia in a bid to
understand the struggles they face around the home.
The findings will then be used to develop and trial a smart
touch-screen system that will help people with dementia to carry
out day-to-day tasks, like washing clothes or cooking, using video
clips.
If you have early onset dementia, or other memory problems, and
would like to take part in the research, call Angela Causton on
078760 34592 or email [email protected]
Nearly 3,000 pack-lunches were provided to children in
Birmingham over the school holidays as part of a project run by
Ashram Housing Association.
Ashram gave out the lunches to children taking part in holiday
activities across East Birmingham, including the Bordesley Green
Pod, as part of its successful Holiday Kitchen project, which you
may have read about in a previous edition of Our House.
As well as providing packed lunches, children who took part in
the project based at the Wildlife Trust Eco Park in Bordesley
Green, also got to do fun outdoor activities like pond dipping,
going on mini beast hunts and building campfires. The Holiday
Kitchen project was funded by Children in Need.
People with dementia to help develop pioneering technology
Holiday Kitchen
Shalikur Rahman (left) outside his new home at Urban 180
-
October, 20134 Our HOUSE
Health and Wellbeing
Your GROUP
Help at hand for young carersAre you aged under 18 and help to
look after someone in your family who couldnt manage without your
help? At Walsall Young Carers you, and your family member, can get
help and support with any problems that you may have.
For more information, contact Walsall Young Carers on 01922 610
810 or email [email protected]
Kettle on for support at cafes People who have a family member
with dementia are being invited to come and have a coffee with us
at one of our cafes.
Held monthly, the Accord Groups free Dementia Caf support groups
are open to anyone living in Sandwell and Walsall that has, or
cares for someone, with dementia.
Each caf, which lasts for two hours, is friendly and comfortable
and there are lots of opportunities to socialise and get
information and support.
The cafs are run in collaboration with organisations including
The Kaleidoscope Plus Group, Options for Life, West Bromwich
African Caribbean Resource Centre, BUDS and Age UK Walsall.
For more information about the dementia cafes, call Janine Hayes
on 07557153571 or email [email protected].
Beef and vegetable pieWith the colder months just around the
corner, this twist on a traditional winter warmer of a recipe is
sure to keep you snug. Ingredients 750g minced beef or lamb 1 onion
(finely chopped) 2 cloves of garlic peeled and crushed 1 chilli
pepper 2 tablespoons of curry powder 2 red peppers diced (deseeded)
250g green beans cut lengthwise 1 carrot diced 6 tablespoons of
tomato puree 200g passata 350g of natural yoghurt 4 eggs Coriander
(chopped)
Preparation method1. Preheat oven to 160 degrees/gas mark 4.
Place cooking oil or oil spray into a frying pan, add mince, cook
until brown. Dont allow to stick. Add onions, stir in and soften.
Add garlic, chilli, curry powder, red peppers, green beans and
carrots then stir fry for three minutes.
2. Remove pan from the heat and stir in the passata and tomato
puree. Place the mixture into a shallow Pyrex dish and press down
well.
3. Beat eggs with yoghurt, stir in chopped coriander and add
salt and black pepper, pour the mixture over mince mixture evenly.
Cook in oven for almost 50 minutes until golden brown. Serve with a
mixed salad, preferably a leafy one and garnish with sliced
tomato.
Recipe provided by Ashram Housing Association resident Claudette
Bonnett. If you have a recipe to share with readers, call Editor
Claire Morrall on 0121 500 2340 or email
[email protected]
RecipeHealthy eating programme passes the taste test
A free healthy eating programme has been given the thumbs up by
residents who got to taste nutritious meals from across the
globe.
Claire Robinson and Esther Jarman were just two of the people
who attended a five-week course run by Caldmoreaccord and Walsall
NHS to promote healthy eating.
Esther, who lives in Darlaston, said: I fully enjoyed the
course. My daughter even came to one session with me.
Claire, also from Darlaston, added: Ive taken on board some very
useful tips, hints and advice on how to cook healthy meals which I
can pass onto my children and encourage a healthier diet and
lifestyle.
Ran throughout July, the programme covered different food
groups, the importance of having a balanced diet, portion sizes,
different types of fat and reducing sugar and salt.
Also on the menu were interactive cooking sessions featuring
dishes from Europe, the Caribbean, Asian and Africa. To find out
more about healthy eating visit:
www.nhs.uk/livewell/healthy-eating
Angela Causton (centre) from Accord Group serves up refreshments
at a caf
Claire Robinson (right) and Esther Jarman (left)
-
October, 2013 5Our HOUSE
Your NEWS
Mental health disorders affect nearly 12 per cent of
the worlds population.
Anxiety is the most common mental disorder in the UK. nine per
cent meet
the criteria for diagnosis.
One in four British adults experience at least one
diagnosable mental health problem in any one year
Depression affects one in five older people living in the
community and two in five living in care homes.
One in 10 young people aged five-16 suffer from a diagnosable
mental health
disorder in the UK.
Children find their voice for fundraising song
What is Nissa Ashram?
Nissa Ashram is a housing scheme for women who have mental
health concerns. It is made up of 10 self-contained apartments, a
communal lounge and kitchen and a large garden.
Where is it?
The scheme is in Sparkhill in Birmingham and is close to the
many shops and restaurants on the Stratford Road, as well as other
local amenities like places of worship and doctors surgeries.
Can I live there?
The scheme is specifically for women who have mental health
issues which require some support. If you think this applies to
you, or a family member, then call Roshan Sandhu on 0121 764 3822
who can provide more details and talk you through the referral
process.
SPOTLIGHT ON
Nissa
Think you know about mental health?On the 10 October, it will be
World Mental Health Day. It may surprise you to know that one in
four people will experience a mental health problem in any given
year. Here are five other facts from the health and well-being
charity, The Kaleidoscope Plus Group, that you may not know about
mental health.
12% 1 in 4 9% 1 in 5 1 in 10
New service for people with dementia A new service to help
people with dementia to cope with their condition has been launched
in Staffordshire.
The Peer Support Project teaches self-help techniques to people
with dementia, and their family carers, to help them feel safe at
home.
Around 11,000 people in Staffordshire have dementia, with two
thirds living at home and being cared for by a carer or family
member.
The support group meets every Monday from 1.30pm-3.30pm at Brew
House, Union Street, Burton-Upon-Trent, Staffordshire, DE14
1EB.
For more information, call Janine Hayes on 0300 111 7000 or
07557153571 or email [email protected]
A moving song written and performed by children from an Ashram
Housing Association refuge has been released for sale on iTunes.
Called You and Me, the poignant song has been launched to raise
awareness of the impact domestic abuse has on children. Featuring
the voices of 10 children, the track - which is available to buy
for 79p - includes lyrics about what its like to be a child
witnessing domestic abuse. All money raised from the sale of the
single will go towards providing educational and therapeutic
services for children living at the refuge. If you are experiencing
domestic abuse and want to talk to someone at Ashram Housing
Association, call 0121 764 3817.
Refuge Manager Sahdaish Pall (centre) at the launch of the You
and Me song
-
October, 20136 Our HOUSE
Jobs, Skills and Training
Your GROUP
Didnt get that dream job? Dont let it get you down. Mike Rogers,
Social Innovations Worker at Fry Housing Trust, gives his five top
tips for bouncing back from a rejection.
Dont let rejection get you down. Whatever your chosen career you
are going to get rejected at some stage and most likely at the
beginning. View every no as one step closer to a yes.
Try and find out who did get the position and why. You will feel
much better if you discover that the candidate who beat you did so
because of factors that were completely beyond your control like
personal connections and experience.
Think about what went right and wrong in the interview. Were
there any responses you gave that got a really good reaction? Keep
using those. Were there any that got a negative response? Refine
these so you go into your next interview with even more
confidence.
Address the issues for not getting the job. If it was a poor
interview ask your local jobs and skills coach for a mock interview
session. If it was lack of knowledge or experience, then speak to
your local jobs and skills coach about work placements or
volunteering opportunities.
Take time out. Not getting a job that you wanted is never easy.
You will have good days and bad days. There is nothing wrong with
allowing some time to heal.
Skills swapping scheme boosts community spirit
A unique skills swapping scheme that was the first to be
launched in Walsall a year ago is being credited with boosting
community spirit.
The Time for Real time bank, run by Caldmoreaccord, allows
people to exchange a host of skills free of charge. For every hour
that someone spends doing a task, such as gardening or dog walking,
they get an hours worth of work from another member of the
community.
Based at the Village Hub in Caldmore, the time bank has 64
members who to date have exchanged 453 hours and offer over 90
different skills. Dewitt Palmer is one of the people who volunteers
at the time bank in exchange
for help maintaining his garden.
He said: Im a wheelchair user and before I joined the time bank
I hadnt been out in my garden for six years. It was very overgrown
but I couldnt maintain it myself and I didnt know who to ask for
help.
Now I volunteer at the time bank and offer computer skills in
return for mowing my lawn and getting rid of weeds. I think there
are lots of people out there that want to help but they dont know
how, the time bank makes it easy.
For more information about the Time for Real time bank, or to
register your interest in joining, call Tina Dalton on 01922 705
280 or email [email protected]
Dewitt Palmer (right) believes that the time bank makes it easy
to help people
-
October, 2013 7Our HOUSE
Your NEWS
Meet your jobs and skills coachesDid you know that if youre
struggling to find work we have jobs and skills coaches available
to help? They can give advice about applications, CVs, interview
techniques and loads more to help you on the path to
employment.
Rachel Perks Ashram, bchs and Moseley and District
Tel: 0121 764 3823 Email: rachel.perks@ ashramha.org.uk
Mike Rogers Fry Housing Trust
Tel: 0121 559 6406 Email: [email protected]
Jill Sargeant or Samantha CookCaldmoreaccord
Tel: 01922 705282 Email: [email protected]
or [email protected]
Hazel LengdenRedditch Co-operative Homes
Tel: 01527 591170 Email: [email protected]
HOW I BECAME A
by RACHEL SEALEY
Board Member
LATEST VOLUNTEERING VACANCIES
Just the job
We offer scores of volunteering placements across the Midlands
in a host of different roles. Check out the latest ones on offer
below. For more information about volunteering, call Irene
Casserley (pictured), Group Volunteer Services Manager, on 01922
728 203 or email [email protected]
Looking for a job? Then check out the latest vacancies on offer
at the Accord Group. To apply for any of the vacancies listed
below, visit accordgroup.org.uk/vacancies and follow the link to
the careers portal. Please note that applications via any other
method arent accepted. For more information, call the Resourcing
and Talent team on 0300 111 7000.
Birmingham and Coventry
Allotment Gardener (Edgbaston) Activity Co-ordinator (Harborne)
Escort to church service (Shirley) Activity Co-ordinator
(Sparkbrook) Activities Volunteer (Coventry)
Sandwell, Walsall and Wolverhampton
Dancing Activity Volunteer (Sandwell)Support Assistant
(Sandwell)Escort for football matches (Great Wyrley)Cook
(Darlaston)Arts and Crafts Volunteer (Darlaston)
Ive lived at Riverside Co-operative for 11 and a half years but
I havent always got involved in the running of it. Not long after I
moved in, I fell ill and struggled to attend the co-operative
meetings.
Over the last few years though, things have changed. I started
volunteering as a Lettings Officer at Redditch Co-operative Homes
and my confidence rocketed.
As part of the role, I help to interview potential co-operative
members, fill in various forms and make telephone calls.
Id never done any office work but now, thanks to volunteering at
Redditch Co-operative Homes, Ive got a part-time job as an office
administrator at a local company.
Last year, I was also nominated as Chair of my co-operative and
as a Board member for Redditch Co-operative Homes. At first I was
really nervous
about taking on the two roles but its been great.
The Board meets every quarter and is made up of different
co-operative members and staff from Redditch Co-operative Homes.
Councillor Bill Hartnett chairs the meetings and we discuss reports
and can ask questions.
Its really increased my confidence and if theres some jargon
that I dont understand Hazel, Lindsey or Nathan from Redditch
Co-operative Homes are always on hand to explain.
Ive only been a Board member for a year but Id really like to be
nominated again. Its really helped improve my confidence and opened
up a whole new world to me.
n Senior Personal Care Assistant (days/nights) in Telford
(closing date 17 October, 2013)
n Zero Hour Care Assistant(s) in Chelmsley Wood
n Homecare Personal Care Assistant(s) in Solihull
n Personal Care Assistant(s) in Coventry
Vacancies on offer
-
Making it count with CassandraCassandra Lewington is the Money
Advisor for Ashram Housing Association and Moseley and
District.
Since I became the Money Advisor for Ashram and Moseley and
District in April, Ive received over 70 enquiries from
residents.
The help Ive given has ranged from support in filling in
application forms for benefits to situations where, because of an
emergency, a resident has been left with no money.
I often visit people in their homes to see how I can help them
at a time that is convenient for them. Well talk about what is
worrying them in regards to managing their money and the help that
is available.
Ive had positive feedback from the people Ive helped so far but
Im always looking to improve the service and will be sending out
surveys for your comments and suggestions.
The changes to welfare benefits are having a huge impact on
peoples lives. If I can help, sometimes albeit in a small way, then
the impact on a resident can only be positive.
If you feel you may benefit from the service and youre a
resident of Ashram or Moseley and District, then speak to your
housing officer or contact me directly on 0121 442 5017.
October, 20138 Our HOUSE
Money Management
Your GROUP
What does your job involve?
I help customers to look at their household income and support
them to maximise it and reduce any rent arrears that they may
have.
Which areas do you cover?
I work with customers of Moseley and District throughout
Birmingham. This includes Kings Heath, Moseley, Edgbaston, Kings
Norton, Sparkbrook and Sparkhill.
How long have you worked in your current job and what did you do
before?
Ive been an Income Officer at Moseley and District for just four
weeks. Before then, I was Head of Income for Charnwood Borough
Council.
What do you enjoy about your job?
I really enjoy providing a good customer service and offering
advice and support. I also like sign-posting customers to internal
and eternal agencies, where appropriate, so that they can get even
more help and support.
How can I contact you?
Call me on 0121 449 5041 or email me at email
[email protected]
SIX QUESTIONS FOR
Income Officer at Moseley and District
Colin Muir
Quick and easy way to pay your rentDid you know that you can
now
pay your rent 24 hours a day, seven
days a week?
All you need to do is request a rent
payment card, call our Customer First
contact centre on 0300 111 7000 and
choose the automated option to pay
your rent.
Youll then be directed to AllPay, where
you can quickly and smoothly pay
your rent using automated options.
Using your rent payment card means
that you dont have to repeat all your
bank details each time you need to
make a payment.
If you have an Android Smartphone
you can also download an app to pay
your rent from your phone. Just visit
allnetpay/allpay-payment-app.co.uk
For complete piece of mind, why not
set up a direct debit to pay your rent.
For more information on how to do
this, speak to your housing officer for
more information or call
0300 111 7000.
Cassandra Lewington
Money Advisor
-
Is there enough help to get onto the property ladder?
BULLYING and what to do if youre experiencing it
SAY NO TO DEBT New project tells you how
GOT A BUSINESS IDEA? Win a chance to fly to Holland to hone your
business skills!
A NEW SUPPLEMENT FOR YOUNG RESIDENTS OF THE ACCORD GROUP October
2013
BROUGHT TO YOU IN ASSOCIATION WITH
-
this time in
Welcome to the first edition of The Mix. This twice yearly
magazine is especially for young people aged 12-18 and features all
the news and views that matter to you.
In this edition, youll find news about a brand new service just
for young, first-time social housing residents. The service, called
Pay Ahead, Stay Ahead, helps you to manage your money, keep out of
debt and away from loan sharks. You can read more about it on page
3.
Bullying can have a huge effect on a young persons life and can
on occasion, lead to devastating consequences. Young reporter Amy
Hedgecock explores the topic on page 3.
Theres also a fun quiz and reviews on page 4 to keep you
entertained this month.
Lastly, if you have any views on the magazine get in touch with
us. You can email [email protected], leave a comment on
facebook.com/accordgroup or tweet us @theaccordgroup
Happy reading!
0300 111 7000
[email protected]
accordgroup.org.uk
/accordgroup
@theaccordgroup
/theaccordgroup
Accord Group, 178 Birmingham Road, West Bromwich, West Midlands,
B70 6QG
Get in touch...
Theres not enough social housing and the private sector is too
expensive. One thing that could be done is to make renting an
easier and cheaper option by introducing rent caps.
Imy, aged 23, from Small Heath
Current deposit schemes are welcome but need to go further and
also cover older houses if we are really going to get young people
to buy their own home.
Andrew, aged 24, from Kings Heath
In current economic times, its hard for anyone to get on the
property ladder, let alone a young generation of which over one
million are unemployed.
Sunjay, aged 18, from Tamworth
Getting onto the property ladder seems like a pipe dream for me.
I think banks and building societies need to do more to help out
young people who are struggling to get together a deposit.
Sam, aged 19, from Knowle
All my friends are either living with their parents or renting.
I dont think theres adequate support for young people who have
questions about housing issues. Young people need to be given much
better education about the housing market.
Tom, aged 25, from Sutton Coldfield
IS THERE ENOUGH SUPPORT TO HELP YOUNG PEOPLE GET ONTO THE
PROPERTY LADDER?
W
E WANT YO
U
Is there an issue that you want to shout about? Maybe its
something that is happening in your community, on your
doorstep, or a topic that youre really passionate about? Then
why not get
involved in this magazine? Send your ideas for articles to
Claire Morrall by emailing
[email protected] or call 0121 500 2340.
-
Debt adviceBullying
Social Breakfast is a social enterprise that supports young
people to influence positive change. It works throughout the West
Midlands, helping young people build the confidence and skills they
need to have a greater say in decisions that affect them.
Andrew Mullinex, Community Organiser at Social Breakfast, said:
Our most exciting project at the moment is We Are The One Mil,
which captures the identity of young people in Birmingham. If you
visit socialbreakfast.org you will see blogs, pictures and videos
from people across the city on issues including crime, football and
good music venues. You can send your snapshot of Birmingham to us
via the website, by tweeting us @SocialBreak or by using the
hashtag #wearetheonemil on Instagram.
For more information, or to get involved in Social Breakfast,
visit socialbreakfast.org
Pocket the right advice to say no to debt In a survey about
debt, Citizens Advice found that most people owe between 1,000 and
20,000, with a staggering one in 10 owing more than 30,000.
Managing money successfully is hard work and it can be easy to
slip into debt. It can be especially tricky for first-time tenants
who havent experienced juggling household bills and rent
before.
Luckily a new service has been launched to help young people in
Birmingham to manage their money, stay out of debt and away from
loan sharks.
Called Pay Ahead, Stay Ahead, the service, for 16-24 year olds,
combines online advice with workshops and one-to-one support.
Emma Wright, Pay Ahead, Stay Ahead Programme Manager, said: If
you live in Birmingham, are aged 16 to 24, and are in the first six
months of your first tenancy, then we can help.
We offer a training programme to look at budgeting and financial
issues in more depth and a green doctor can visit your home to see
how you can make it more eco-friendly and therefore cheaper to
run.
Want to find out more about Pay Ahead, Stay Ahead? Then speak to
your housing officer, who will guide you through the 20 minute
sign-up process. You can also follow Pay Ahead, Stay Aheads online
Twitter campaign @socialbreak
Left out by my friends -the truth about bullying According to
isafe.org, about 77 per cent of students have admitted to being the
victims of at least one type of bullying.
Most people experience some form of bullying in their lifetime.
So in this issue, we felt it was important to explore the issue.
Young reporter Amy Hedgecock spoke to one young person, who wished
to remain anonymous, about their experience of bullying.
Tell me about your experience of being bullied? I was laughed
at, threatened and left out by my friends. It was one of the worst
experiences of my life.
How did you deal with it?I spoke to people about it; other
friends and my family. It felt good to let it all out. A problem
shared is a problem halved.
Do you have any advice for people who are being bullied?Just
remember that youll get through it. It wont carry on forever. You
wont know the people forever.
If you are being bullied and want help, call ChildLine on 0800
1111 or visit childline.org.uk.
WHAT IS...
-
Reviews by Amy Hedgecock
MUSIC
I V, The 1975BOOK
The Fault in Our Stars
FILM
This Is Us
IV is the third EP from alternative, indie rock band The 1975.
It contains four tracks: Haunt // Bed, So Far (Its Alright),
Fallingforyou and The City; which charted in the UK and received
airplay in several countries. The 1975 have supported bands like
The Neighbourhood and The Rolling Stones over the past year,
gathering an ever-growing following across the world. They are set
to tour the UK mid-September following the release of their
self-titled album on the 2 September. The IV EP is a compilation of
hypnotic lullabies and chipper numbers, providing a varying tone
throughout. This EP is a pleasant listen and a triumph for the
Manchester boys.
] ] ] ]
The Fault in Our Stars is a young adult novel by New York Times
bestselling author John Green. The story follows 16-year-old cancer
patient Hazel Grace Lancaster, who is forced by her parents to
attend a cancer support group. Here she meets Augustus Walters, a
16-year-old boy who lost his right leg to bone cancer. Augustus
primarily attends the support group to support his friend, Isaac
who lost his eye to cancer and has learned that he will also have
to have the other removed. Despite the book delving into the
harrowing truths of what young cancer patients go through, it is a
heart-warming, romance-filled novel which will tug at your heart
strings from the first page.
] ] ] ] ]
This Is Us delves into the lives of the biggest boy band in the
world, One Direction. From sold-out shows and crazed fans to
staying in their family homes, the film explores all areas of the
bands lives. For the first time the bands previous Take Me Home
tour is showcased on the big screen in 3D. The film allows fans to
re-live the concert experience in the comfort of their local
cinemas and to discover what happens behind the scenes in candid,
never before seen footage of the boys. Although parts of the film
will have been previously seen by dedicated directioners they are
sure to enjoy reminiscing the boys previous endeavours. This film
is a must see for any One Direction fan or music-movie buff.
] ] ] ]
Think youre the next Alan Sugar? Then you could be jetting off
to HollandAround 25 budding entrepreneurs are being given the
chance of a life time to jet to Holland to hone their business
ideas. The Accord Groups enterprise initiative the A-Fund has
teamed up with Impact Hub in Amsterdam to offer the amazing
opportunity, which will even help participants learn Dutch! Alix
Drysdale, Enterprise Officer for the Accord Group, said: This is a
fantastic opportunity for young entrepreneurs.
Not only will you get hands on business experience but youll
also be supported to develop your business ideas.
To take part, you must be aged between 18-25 years old and be
able to commit to seven weeks of preparation and 13 weeks of
business mentoring in Holland. There are 10 spaces for Accord
residents and 15 for non-Accord residents. For more information on
how to apply, call Alix Drysdale on 0121 358 9019 or email
[email protected]
Impact Hub is a part of Hubs Worldwide and specialises in giving
young people the opportunity to start-up business ventures across
the world.
Which boy band has a newly released film called This is Us?
Which sport does Tom Daley compete in?
How many siblings does Edward Cullen have in the film
Twilight?
Which artist released the tracks I Knew You Were TroubleWe Are
Never Ever Getting Back Together and 22?
Which e4 TV show stars Zooey Deschanel, Jake M. Johnson, Hannah
Simone, Max Greenfield and Lamorne Morris?
178 Birmingham Road West Bromwich, B70 6QG
Tel: 0300 111 7000 Email: [email protected]
Twitter: @theaccordgroup Facebook: facebook.com/accordgroup
accordgroup.org.uk
1. One Direction
2. Diving
3. Four - Alice, Jasper,
Emmett and Rosalie
4. Taylor Swift
5. New Girl
-
October, 2013 9Our HOUSE
Your NEWS
FIVE FACTS ABOUT Credit Unions
Overdraft Lets you spend more money than is in your account but
the banks usually charge interest on this. You wont get an
overdraft with basic bank accounts.
Direct Debit Helps you pay bills directly from your account. Its
a great way to pay your rent, allowing the company youre paying to
take money from your account on a specific date. The company must
tell you in advance if they plan to change the amount or the
date.
Open to everyone
Everyone can join a credit union. Unlike banks that have
shareholders, credit unions allow you to receive the dividend
yourself. They also actively seek to get you involved, whether its
as a volunteer helping at collection points or attending annual
general meetings.
Help you to save
If you can save a 1, than you can save it in a credit union.
Many banks like you to keep a minimum in your account or to have
wages or benefits paid into it before theyll allow you to open an
account. Not with a Credit Union. The amount you choose to save and
when, is up to you.
Affordable place to borrow money
A typical credit union first loan is around 50 and 400 and is
based on your ability to repay, not your credit rating. Once youre
a member of a credit union, you can apply for a loan.
Insured and regulated
Every penny you save with a credit union is safe as its covered
by the Financial Services Compensation Scheme. They also have a
limit on how much you can save, depending on the size of the credit
union. The average maximum is normally 15,000.
Young savers
Many credit unions work hard to encourage children to develop
the saving habit. Some do this by helping primary schools to set up
collection points run for pupils to save.
The five facts have been provided by 6Towns Credit Union in West
Bromwich. For more information about 6Towns, visit sixtowns.co.uk
or call 0121 553 3110.
Getting ready for Universal Credit Universal Credit is a new
benefit that has started to replace six existing ones (Income-based
Job Seekers Allowance, Income-Related Employment Support Allowance,
Income Support, Working Tax Credits, Child Tax Credits and Housing
Benefit) with a single monthly payment. It will be means-tested and
for people of working age.
What does it mean to me?All your benefits will be paid in one
single payment. This will include Housing Benefit - even if youve
had it paid directly to your housing association in the past.
When will it happen?The rollout of Universal Credit has already
started in parts of the country. It will be gradually rolled out
everywhere from October and completed by 2017. At the time of going
to print, we understand that none of the Jobcentres in the
Midlands, other than Rugby, will be rolling out Universal Credit in
October. So it will be unlikely to affect any residents until 2014.
Well continue to update you.
How can I prepare for Universal Credit? We recommend that you
get a bank account and set up a direct debit to pay your rent. This
will make sure that you dont fall into rent arrears. Its also
important that if you need advice and further information, you ask
for it sooner rather than later.
How do I... Open a back account? What kind of accounts are
there?There are two main types of bank account current and
basic.
Tell me about a basic bank account.n You can only spend whats in
your accountn You cant overspendn You get a cash card to withdraw
cashn You dont get a cheque book.Sounds good. Tell me about a
current account too.n You get a debit card which you can use to
withdraw money and pay for goods
in shopsn You may get a cheque bookn You may get interest on
money you leave in your accountn You can apply for an overdraftn
You may have to pay a monthly fee.How can I apply for a bank
account? You can open a basic or current bank account with high
street banks, building societies and credit unions. Once opened,
you can arrange to have your wages and benefits paid into it. You
can set up direct debits too.
Im still not sure which account to choose. Help!If youre still
unsure, you can get free and independent advice from the Money
Advice Service by visiting moneyadviceservice.org.uk or by calling
0300 500 5000.
Anything else I need to know? Banks arent allowed to use benefit
payments to clear an overdraft. This is called the first right of
appropriation. However, you need to tell them in writing which you
can do by filling in a form that you can get from your housing
association.
Making finance terms clearer for you...
-
October, 201310 Our HOUSE
Your GROUP
PICTURE SPECIALIts been a glorious sun-filled summer and
youve
been making the most of it by attending fun days, trips and
events organised by your housing association.
To celebrate, weve selected the best photos from some of the
events
held this year.
bchs day trip to Weston-Super-Mare
Moseley and District
garden party
Caldmoreaccords family fun day at Jervis Court
Fry Housing Trusts
summer activity
Children tuck into
seaside treats
Hands up if you had fun at Jervis Court
Children had a quacking time trying to hook a duck
Face painting was
a roaring success
A head for heights!
Fry customers give
climbing a go
Making a splash with
some canoeing
Tasty treats were served up to visitors
Big smiles all round at the seaside
Weston was the plaice to be for fish and chips
Peter Helly (Housing Officer) enjoys a spot of tennis with
budding players
Games galore at garden party
Mustafa Ramji (Service
Improvement Manager)
and Louise Creswick
(Resident Engagement
Manager) have their
cake and eat it
-
October, 2013 11Our HOUSE
Your NEWS
Six questions with
What is your name and what do you do?
My name is Ashley Lovell and Im the new Resident Engagement
Apprentice.
What does your job involve on a day-to-day basis?
I work with staff from across the Accord Group, local
authorities and agencies to find out what they offer young people
and how we can get them involved. I meet residents on a regular
basis to discuss ideas for involvement, activities and events, even
campaigns that we can do around issues that affect them.
How long have you worked in your current job and what did you do
before?
I have been in my current role since July and before this I
worked in Executive services for Caldmoreaccord. Before that I was
unemployed for well over a year. I studied business and I was the
President of the Students Union.
What do you enjoy most about your job?
I love everything about my job. I really enjoy meeting new
people, coming up with ideas for events and activities, talking to
all the other agencies and partners and finding out what they are
doing.
Why is what you do important to me?
My role is important because young people are often forgotten by
a lot of organisations and its important to give them a voice and
opportunities to get involved. Young people have a lot of energy, a
wealth of knowledge and different skills and often some downright
amazing ideas!
How can I contact you?
If you want to get involved in any way, put on events or
activities or if you have a burning issue that you want to campaign
about then get in touch. I am always happy to come and visit your
area or scheme. You can contact me on 0121 358 9033 or email me at
[email protected].
Ashley Lovell
Resident annual report 2013 DVD out now
Walkabout dates for your diaryAshram 16 October Starting outside
Bordesley Green Leisure Gardens, Birmingham
20 November Starting outside Garretts Green, Birmingham
18 December Starting outside Parkview Drive, Ward End,
Birmingham
Caldmoreaccord15 October Starting outside Toll End Road, Spring
Street and Ocker Hill Road, Tipton, 10am-3pm
Moseley and District22 October Starting outside Edward Road
Police Station, Balsall Heath, 10am
24 October Starting outside Faraday Court, Faraday Avenue,
Handsworth, 10am
31 October Starting outside Balsall Heath Forum, Balsall Heath,
10am
5 November Starting outside Annand House, Sparkhill, 10am
7 November Starting outside 68/76 St Albans Road, Moseley,
10am
15 November Starting outside Harrisons Pleck, Moseley, 10am
19 November Starting outside Chesterton Court, Cambridge Road,
Kings Heath, 10am
6 December Starting outside Block Two, Clent Way, Bartley Green,
10am
10 December Starting outside Block 114/118 Gough Road,
Edgbaston, 10am
A new residents forum described as positive and educational has
been launched in Coventry.
The group, for residents of Alan Marcell Close, Robert Manford
Way and Gilbert Horrell Close, meet on a regular basis to discuss
the issues that matter to them.
Staff from Ashram Housing Association also attend the meetings
and the group have used a special 3D model to explore how things
can be improved on their estate.
Amanda Nicholls, Director of Ashram Housing Association, said:
The Planning for Real model has, yet again, proved to be a fabulous
tool for resident engagement because it enables people to actively
participate in an informal and fully-inclusive way.
Despite having experienced issues with their heating system,
residents have come together to tackle other matters so that their
estate is one that they can be really proud of.
Wendy Bolas, a resident who has attended the meetings, said: The
meetings have been positive and educational. I am optimistic about
the future of our estate.
New forum for Coventry residents
A DVD of the resident annual report 2013 following the journey
of the Accord Group and highlighting how well it has performed this
year - is out now. Produced by residents, in association with
Broadcast Media Services, the film includes features on topics
ranging from repairs to resident involvement.
To view the report, visit accordgroup.org.uk, check out our
Facebook page or YouTube page, or alternatively you can request a
copy by contacting the Resident Engagement team on 0121 500 2014 or
email [email protected]. Public viewings of the film will
also be held in local offices and schemes. For further information
about your nearest viewing, please contact the Resident Engagement
team.
Residents forum have been using this Planning for Real model
-
October, 201312 Our HOUSE
Homes and Communities
Your GROUP
Housing associations team up to clean up A group of Birmingham
housing associations teamed up to remove bags of rubbish dumped in
a Moseley alleyway during two clean-ups.
Around 40 bags of rubble and bricks and a whole tipper truck
full of garden waste has been cleared from the alleyway between
Church Road, Woodstock Road, Woodhurst Road and Sandhurst Road.
Dumped rubbish, including mattresses, a sofa and household
waste, was also taken away and broken fence panels were fixed and
treated.
Katie Gallon, Trainee Housing Officer at Moseley and District,
said: Hours of work have been put in to cleaning up this alleyway.
Its been really successful with lots of team work between different
organisations.
Members of Caldmoreaccords Time for Real time bank (which you
can read more about on page 6) also helped out during the
clean-ups, which took place in August.
To report fly-tipping in your area, contact your housing officer
by calling 0300 111 7000 or speak to your support worker.
Before... After Resident electrician lighting up community
You said, we did! We take your complaints and request seriously,
so in this newsletter we will explain how we are improving our
services for you.
You told us that you werent happy with the way that we kept you
updated about repairs to your
homes. Now, the contractors that we employ to carry out repairs
Lovell - send a text message confirming your
appointment and another one two days beforehand. They must also
now give you the details of any follow-up work that is needed
before they leave your home.
You also told us that you werent happy with our approach to
leaks in your home. In response, if there is an out-of-hours leak
in your home, we will now make contact with you before 12pm the
following day.
If you need to report a repair, call 0300 111 7000 or visit your
housing associations website to report it online.
A resident has risen through the ranks to become an estates
officer after joining the organisation as an apprentice.
Thomas Raybould, a Caldmoreaccord resident, is now an Estates
Officer, with an NVQ level 3 in electrical installation, after
joining the organisation three years ago aged just 18.
As part of his job as Estates Officer, Thomas carries out a
range of jobs from fire alarm checks and emergency light checks to
electrical maintenance and site inspections.
Surjit Singh Rai, Estate Services Manager, said: Thomas has been
essential in the creation and expansion of the electrical team,
with two more electricians being hired since his arrival.
The Estates and Facilities team has benefited greatly from his
expertise and desire to provide a good service to fellow residents
and he is a shining example of how an apprenticeship can lead to
great things.
Alleyway was filled with rubbish...
...now its clear and fence panels have
been painted
Thomas Raybould started as an apprentice aged just 18
-
October, 2013 13Our HOUSE
Your NEWS
Prepare now to stay snug this winter
With the colder months just around the corner, its really
important to make sure that your
heating system is working now.
If you havent already, we recommend that you turn your system on
to check that it is fully functioning.
Testing it now will give us time to arrange to get it fixed if
there are any problems before the
colder months set in.
For more information about what you can do to keep warm this
winter, call us on 0300 111 7000
or speak to your housing officer.
Birmingham homes get green makeoversHomes across Birmingham have
been given green makeovers in a bid to help families save money on
their energy bills.
Bchs has installed loft and cavity wall insulation to 24 homes
in Handsworth, Bordesley Green and Small Heath. Five homes have
also been fitted with external wall insulation and two have solar
thermal panels installed, which covert sun rays into energy to heat
hot water. Bchs hope that the extensive programme of works will
help families save money on their energy bills.
Nur Hussan, a bchs resident from Handsworth who has had external
wall insulation fitted to his home, said: Im really happy with the
work and hope that it will keep my home warmer in the winter and
mean that I spend less on my gas bills.
Chris digs deep to transform garden
A green-fingered Birmingham man has dug deep to transform the
garden at the housing scheme where he lives.
Chris Bishop has spent the summer cutting back weeds, planting
new shrubs, creating an allotment and patio area and rebuilding a
disused BBQ.
The 38-year-old was inspired to make-over the garden as his
bedroom overlooks it and he thought it had lots of potential to
blossom.
Chris, a Fry Housing Trust customer, said: Its a huge garden but
it didnt look great and it wasnt really used but I could see it had
potential.
Now we have new flower beds, a memorial area to sit and unwind
and a polly tunnel to grow fruit and vegetables.
Eco home development draws closer A development of eco-friendly
timber-frame homes being built in West Bromwich is moving forward,
with the latest phase underway.
A 45 foot crane has lifted timber panels into place as part of
work to build 38 new homes in Beaconview Road, Charlemont Farm.
Once complete, the development will feature 12 two-bedroom
apartments, four two-bedroom houses, eight three-bedroom houses and
four four-bedroom houses for affordable rent.
It will also include six two-bedroom houses and four
three-bedroom houses for first-time buyers who are struggling to
get their foot on the property ladder.
The homes will be managed by bchs and the timber panels are
being manufactured at the Accord Groups LoCaL Homes factory in
Walsall.
Chris Bishop has helped garden to blossom
(L-R) Alan Yates (Director of Regeneration) and Councillor
Mahboob Hussain from Sandwell Council at the Beaconview
development
-
1 On a scale of 1 to 5, with 1 being not interested at all and 5
being very interested, how interested are you in reading about?
Please circle your answer:
2 What do you most enjoy reading about in the newsletter?
3 What do you least like reading about in the newsletter?
4 Would you like to see articles about a topic that is currently
not covered? If yes, please state what.
5 How long do you spend reading the newsletter on average?
q 0-5 minutesq 15-30 minutesq 30-60 minutesq 1-2 hours
6 Would you be interested in receiving the newsletter in a
digital format via email?
q Yesq No
7 How often do you receive the newsletter?
q Once a yearq Twice a yearq Three times a yearq Four times a
year
8 Do you have any other comments or feedback about the
newsletter?
Your opinions matter to us, which is why we want to know your
thoughts on this newsletter, Our House. To be in with the chance of
winning 20 Love 2 Shop vouchers, please fill in the questionnaire
below, and send it to The Accord Group, c/o Claire Morrall, 178
Birmingham Road, West Bromwich, B70 6QG. Remember to include your
name, address and a phone or email contact and the name of your
housing association. One person will be chosen at random from all
completed questionnaires.
Name:
Address:
Tel:
Email:
Housing Association:
Your GROUP
Job vacancies, volunteering and 1 2 3 4 5
training opportunities?
Changes to benefits and welfare reform? 1 2 3 4 5
Repairs and maintenance to your home 1 2 3 4 5 or scheme?
Events and activities taking place in your 1 2 3 4 5 area and
how you can get involved?
New homes for rent, sale or shared 1 2 3 4 5 ownership?
Recipes and stories written by residents? 1 2 3 4 5
-
October, 2013 15Our HOUSE
Your NEWS
Conference gets thumbs upTopics such as tenant empowerment,
developing new homes and welfare reform were all on the agenda at
the annual CCH Conference.
The event, held at Warwick University this year, was attended by
members of Victoria, Paddock, 2020 and Balsall Health
co-operatives, which bchs work closely with. Ian Cook, from
Victoria Housing Co-operative, said: It was a very interesting
conference, with question and answer sessions and workshops on a
variety of topical subjects.
The conference took place between 19-21 July, 2013.
OctoberMonday, 14 October Heartlands Local History Coffee
Morning, Nechells Green Community Centre, Birmingham. 10am-1pm.
Tuesday, 22 October (every Tuesday), Knit and Natter Group,
Central Library, West Bromwich. 2pm-3pm. Free. For details call,
0121 569 4904.
Tuesday, 22 October Debt Advice Workshop, Small Heath Community
Forum, Heather Road, Birmingham. 10am-12pm. To book an appointment,
call 0121 773 8619.
Sunday, 27 October Fordhall Fun and Frights Event, Fordhall
Organic Farm, Market Drayton, Shropshire. 5.30pm-8.30pm. Children
5, adults free. For more information, call 01630 638696.
Wednesday, 30 October Postman Pat, Stourbridge Town Hall,
Dudley. 1pm. Adults 12.50, children 10.50, family of four 42. To
book call, 01384 812960.
November Friday, 8 November South Walsall Library Chatterbooks
Group (for children aged between seven and 12), South Walsall
Library, Walsall. 3.45pm-4.45pm. For details call, 01922
721347.
Saturday, 9 November Farmers Market, Stafford. 9.30am-4pm. For
details, call 01785 245935.
Saturday, 9 November Willenhall Bonfire and Firework Display,
Willenhall Memorial Park, Walsall. Adults 3, children 1 and under
5s free. For more details, call Walsall Council on 07736
388409/07736 388418
Thursday, 14 November (until 22 December) Frankfurt Christmas
Market, Victoria Square, New Street, Centenary Square and
Chamberlain Square, Birmingham. 10am-9pm.
Thursday, 21 November Poetry Group, Earlsdon Library, Coventry.
4pm-6.30pm. Free.
Celebration event in fifth yearAshram Housing Association and
Solihull Community Housing will once again be hosting a joint
celebration to mark Black History Month and World Mental Health
Day.
The free fun-filled event, which will feature entertainment,
health checks, lunch, dance, face painting and much more, will take
place on Saturday, 19 October, from 12pm-3.30pm at the Loft, 10
West Mall, Chelmsley Wood, Shopping Centre.
For more information, contact staff at Bosworth Drive Community
Centre on 0121 770 8570.
Fete hits the right noteMusic and entertainment for all were the
highlights of this years summer fete at Silver Birches residential
home in Solihull. The stars of the show were West Midlands Fire
Service, with firefighters bringing one of their high-tech tenders
along for people to take a look around.The services own clarinet
quintet also hit the high notes while a brass band hit the low
notes, and there was barbecue, cake stall, raffle, bric-a-brac and
a bouncy castle for the kids.
-
October, 201316 Our HOUSE
CompetitionsQuiz
Wordsearch
Simply answer the following 10 questions correctly to be in with
the chance of winning a 20 Love2Shop voucher, which can be redeemed
at over 20,000 stores.
Send your completed questions to, The Accord Group, c/o Claire
Morrall, 178 Birmingham Road, West Bromwich, West Midlands, B70 6QG
or email them to [email protected] by Monday, 4 November,
2013.
Remember to include the name of the competition that you are
entering, your name, address and a phone or email contact. One
winner will be chosen at random from all correct entries. The
winner of last issues competition was Mr. K Lawrence from
Walsall.
Simply find the word that is NOT in the wordsearch to be in with
the chance of winning a 20 Love2Shop voucher, which can be redeemed
at over 20,000 stores.
Send your answer to The Accord Group, c/o Claire Morrall, 178
Birmingham Road, West Bromwich, West Midlands, B70 6QG or email
[email protected] by Monday, 4 November, 2013.
Remember to include the name of the competition that you are
entering, your name, address and a phone or email contact. One
winner will be chosen at random from all correct entries.
Accord Group, 178 Birmingham Road, West Bromwich, B70 6QG. Tel:
0300 111 7000 Email: [email protected]
On request, we will do what is practical to translate
information into different formats including large print, Braille
and other languages. If you need a document translated into a
different language or format, call Customer First on 0300 111
7000.
Spider
Witch
Cobweb
Pumpkin
Ghost
Trick
Treat
Broomstick
Werewolf
Vampire
Cauldron
Bat
1: What is the capital city of New Zealand?
2: Which country is the cheese mozzarella normally associated
with?
3: Name the actor who will play the twelfth Doctor Who?
4: Which country was singer Michael Buble born in?
5: In which city is William Shakespeares play Romeo and Juliet
set?
6: Name the male cricket captain who led England to victory in
this years Ashes series?
7: What is the full name of the Duke and Duchess of Cambridges
baby boy?
8: What breed of animal is an Akita?
9: Which historical figure was often dubbed The Lady with the
Lamp?
10: Youll find the next answer in this newsletter. when is the
closing date to nominate a Great Resident?
"
The winner of last issues wordsearch was
Miss J Finch from Walsall
Q
S
V
J
K
L
B
W
B
U
Z
J
L
P
G
P
A
W
K
L
E
R
V
N
V
C
D
P
M
I
W
H
O
R
O
C
N
G
J
D
U
Z
A
D
Q
W
E
O
C
S
H
K
H
M
B
S
K
E
S
W
M
J
B
L
K
C
P
V
R
M
Y
R
O
S
T
A
E
R
T
K
E
A
O
C
N
L
T
V
Q
A
H
I
I
P
K
V
O
R
F
U
L
A
E
A
W
N
H
P
Y
D
M
B
J
X
C
M
E
R
I
P
M
A
V
E
S
E
D
L
Q
P
H
O
E
R
U
Q
Z
J
T
W
N
K
E
I
G
H
O
S
T
V
Y
T
I
B
H
K
P
R
H
C
N
J
S
J
A
L
C
O
C
A
U
L
D
R
O
N
K
B
E
P
K
C
LIKE US ON FACEBOOK AND WIN 50 OF SHOPPING
VOUCHERS!
To enter, simply like our Facebook page at
facebook.com/accordgroup by Monday, 4 November, 2013, to be in with
the chance of winning Love2Shop vouchers. One winner will be chosen
from all those who like the page. The winner will be announced on
the Accord Groups Facebook page.