Spotlight on housing - Community Housing Cymru


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Claire Williams, Community Housing Cymru.

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Spotlight on housing - Community Housing Cymru

  1. 1. Spotlight on Homelessness Clare Williams Community Housing Cymru
  2. 2. What do we do? <ul><li>promote the voluntary housing sector in Wales </li></ul><ul><li>promote the relief of financial hardship through the sector's provision of low cost social housing </li></ul><ul><li>provide services, education, training, information, advice and support to providers of such housing in Wales </li></ul><ul><li>encourage and facilitate the provision, construction, improvement and management of low cost social housing by housing associations in Wales. </li></ul>
  3. 3. <ul><li>Social Housing Tenants are: </li></ul><ul><li>Less likely to have access to affordable loans </li></ul><ul><li>Less likely to have a bank account </li></ul><ul><li>Less likely to have savings </li></ul><ul><li>Less likely to have home contents insurance </li></ul><ul><li>Less likely to be knowledgeable about financial products (though more likely to be expert at managing on a tight income!) </li></ul><ul><li>More likely to fall prey to illegal money lenders </li></ul>
  4. 4. Moneyline Cymru <ul><li>What does it do? </li></ul><ul><li>From 5 outlets in South East Wales </li></ul><ul><li>Affordable loans </li></ul><ul><li>Basic bank accounts </li></ul><ul><li>Savings accounts </li></ul><ul><li>Money advice </li></ul>
  5. 5. Moneyline Cymru <ul><li>Who is involved? </li></ul><ul><li>16 housing associations </li></ul><ul><li>DWP </li></ul><ul><li>Social Finance </li></ul><ul><li>East Lancs Moneyline </li></ul><ul><li>Steering Group </li></ul><ul><li>Sub Committee </li></ul><ul><li>Welsh Water </li></ul>
  6. 6. Moneyline Cymru <ul><li>Interesting facts: </li></ul><ul><li>Average loan approved </li></ul><ul><li>White goods scheme </li></ul><ul><li>50% private tenants </li></ul><ul><li>Housing Heroes Groundbreaking Service Team Award </li></ul><ul><li>Shortlisted in UK Housing Awards </li></ul>
  7. 7. Moneyline Cymru <ul><li>Case Study </li></ul><ul><li>61 year old woman </li></ul><ul><li>Several loans with Provident </li></ul><ul><li>Totalling £1,500 </li></ul><ul><li>£200 per month </li></ul><ul><li>Moneyline Cymru payments £80 plus £20 savings </li></ul>
  8. 8. Moneyline Cymru <ul><li>What have we achieved? </li></ul><ul><li>Loaned out £1 million </li></ul><ul><li>1,000 th savings account opened </li></ul><ul><li>Saved almost £1 million in interest </li></ul>
  9. 9. Moneyline Cymru <ul><li>Future developments? </li></ul><ul><li>West Wales expansion </li></ul><ul><ul><li>Telephone service </li></ul></ul><ul><ul><li>Rural Model </li></ul></ul><ul><ul><li>Pan Wales? </li></ul></ul><ul><li>Money advice service </li></ul><ul><li>Home contents insurance </li></ul><ul><li>Anniversary Celebration </li></ul>
  10. 10. Home Contents Insurance <ul><li>HCI campaign </li></ul><ul><li>Spring </li></ul><ul><li>Raising awareness with both staff and tenants via newsletters, leaflets, posters and mini media campaign </li></ul><ul><li>HCI “day” </li></ul>
  11. 11. Credit Unions <ul><li>Good Practice Guide </li></ul><ul><li>Housing Associations and Credit Unions </li></ul>
  12. 12. Illegal Money Lending Communications Campaign 2009 “ Don’t get bitten”
  13. 13. Communications <ul><li>Sector Financial Inclusion Network </li></ul><ul><li>Financial Inclusion Newsletter </li></ul><ul><li>Seminar </li></ul>
  14. 14. Questions? Clare Williams Community Housing Cymru [email_address] 02920 557418
  15. 15. Anthea Hogg Tenancy Services Manager
  16. 16. Tenancy Support <ul><li>Pre tenancy work </li></ul><ul><li>Support at sign up </li></ul><ul><li>New tenants visits </li></ul><ul><li>Benefit Health Checks </li></ul><ul><li>Floating support for vulnerable tenants </li></ul><ul><li>Close liaison with Benefit Departments </li></ul><ul><li>Training for staff on maximising income </li></ul><ul><li>Customer Focussed Income Collection Policy </li></ul><ul><li>Financial Inclusion Action Plan </li></ul>
  17. 17. Financial Inclusion Action Plan <ul><li>We will work with CAB, Shelter, Credit Union to promote the aims of the strategy and ensure that it is mainstreamed throughout the organisation </li></ul><ul><li>Joint planning and marketing of the Financial Inclusion Services to promote the increased take up of the service will be undertaken </li></ul><ul><li>We will have a clear referral process for tenants who are vulnerable </li></ul><ul><li>Training will be provided to all front line staff and new staff on Financial Inclusion, money matters and who to signpost to. </li></ul><ul><li>To provide up to date welfare benefit advice training to all front line customer facing staff </li></ul><ul><li>To ensure that all front line customer facing staff have training on verification for HB purposes </li></ul><ul><li>We will ensure that staff fully understand the vision and positive outcomes of tackling financial inclusion </li></ul><ul><li>Embedding Financial Inclusion into our Business Planning during 2010/2011 </li></ul><ul><li>Benefit welfare checks offered to all new tenants on low income and to any others who request one. </li></ul><ul><li>Promotion of initiatives offered by LA’s and other agencies such as free school meals and uniforms </li></ul><ul><li>All customer facing staff trained on the use of the benefit calculator </li></ul><ul><li>To work with relevant agencies to promote employment opportunities </li></ul><ul><li>Promote the Credit Union during tenants forums, the tenants conference and the tenants newsletter </li></ul><ul><li>To work with agencies promoting free upgrade of insulation within our properties </li></ul>