How can i claim back from mbna
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Ppi timeline
PPI mis-selling was first highlighted in 1998. In 2005, complaints about PPI mis-selling increased and the FSA issued a report outlining concerns about deception by lenders. Over subsequent years, the FSA and Competition Commission continued investigations and fined companies, culminating in a 2009 ban on single premium PPI policies and new protections for borrowers. Since 2011, millions of successful claims have been made for money owed due to PPI mis-selling.
Am i-eligible-to-reclaim-ppi
If you were mis-sold PPI or felt pressured into purchasing unnecessary PPI coverage, you may be eligible to reclaim PPI payments. Some reasons you could be eligible include if you were unemployed, self-employed, retired or had a pre-existing medical condition when the PPI policy was purchased. You may also be eligible if the terms of the PPI coverage were shorter than your loan or certain exclusions were not properly disclosed. It is up to the lender to prove the PPI sale was explained and approved properly; if they cannot prove this, there is a good chance a PPI reclaim claim will be successful.
Were you-told-payment-protection-insurance-was-compulsory
Many banks and lenders implied or stated that taking out payment protection insurance (PPI) was compulsory to be approved for loans or mortgages, even though PPI was optional. Salespeople often did not inform customers about the cooling off period or that PPI was not required. Customers who were pressured into believing the application could not proceed without purchasing PPI, or who bought PPI after January 14, 2005 and were told it was strongly recommended, may have grounds for a PPI refund claim if they were not provided documents outlining why the policy was suitable.
Were you-told-payment-protection-insurance-was-compulsory
Many banks and lenders implied or stated that taking out payment protection insurance (PPI) was compulsory to be approved for loans or mortgages, even though PPI was optional. Salespeople often did not inform customers about the cooling off period or that PPI was not required. Customers who were pressured into believing the application could not proceed without purchasing PPI, or who bought PPI after January 14, 2005 and were told it was strongly recommended, may have grounds for a PPI refund claim if they were not provided documents outlining why the policy was suitable.
What is-ppi
Payment Protection Insurance (PPI) was designed to protect borrowers if they became unable to make repayments due to illness, unemployment, or other circumstances. Billions have been refunded to those mis-sold policies they did not need or were ineligible for. The PPI scandal is the largest ever faced by UK banks, with over £20 billion paid in compensation so far. It originated in the 1990s but revelations did not surface until 2011, leading to a billion pound industry assisting with compensation claims against banks. Ongoing issues continue to emerge, resulting in large fines against lenders.
Horse clippers
Masterclip manufactures and retails animal clipping products directly to consumers including clippers for dogs, horses, sheep, and cattle. They offer exceptional value through both manufacturing and retail sales backed by excellent customer service. Masterclip focuses on customer needs by providing a wide range of tested, award-winning clippers and a repairs service, with friendly and experienced staff based in Leicestershire.
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Ppi timeline
PPI mis-selling was first highlighted in 1998. In 2005, complaints about PPI mis-selling increased and the FSA issued a report outlining concerns about deception by lenders. Over subsequent years, the FSA and Competition Commission continued investigations and fined companies, culminating in a 2009 ban on single premium PPI policies and new protections for borrowers. Since 2011, millions of successful claims have been made for money owed due to PPI mis-selling.
Am i-eligible-to-reclaim-ppi
If you were mis-sold PPI or felt pressured into purchasing unnecessary PPI coverage, you may be eligible to reclaim PPI payments. Some reasons you could be eligible include if you were unemployed, self-employed, retired or had a pre-existing medical condition when the PPI policy was purchased. You may also be eligible if the terms of the PPI coverage were shorter than your loan or certain exclusions were not properly disclosed. It is up to the lender to prove the PPI sale was explained and approved properly; if they cannot prove this, there is a good chance a PPI reclaim claim will be successful.
Were you-told-payment-protection-insurance-was-compulsory
Many banks and lenders implied or stated that taking out payment protection insurance (PPI) was compulsory to be approved for loans or mortgages, even though PPI was optional. Salespeople often did not inform customers about the cooling off period or that PPI was not required. Customers who were pressured into believing the application could not proceed without purchasing PPI, or who bought PPI after January 14, 2005 and were told it was strongly recommended, may have grounds for a PPI refund claim if they were not provided documents outlining why the policy was suitable.
Were you-told-payment-protection-insurance-was-compulsory
Many banks and lenders implied or stated that taking out payment protection insurance (PPI) was compulsory to be approved for loans or mortgages, even though PPI was optional. Salespeople often did not inform customers about the cooling off period or that PPI was not required. Customers who were pressured into believing the application could not proceed without purchasing PPI, or who bought PPI after January 14, 2005 and were told it was strongly recommended, may have grounds for a PPI refund claim if they were not provided documents outlining why the policy was suitable.
What is-ppi
Payment Protection Insurance (PPI) was designed to protect borrowers if they became unable to make repayments due to illness, unemployment, or other circumstances. Billions have been refunded to those mis-sold policies they did not need or were ineligible for. The PPI scandal is the largest ever faced by UK banks, with over £20 billion paid in compensation so far. It originated in the 1990s but revelations did not surface until 2011, leading to a billion pound industry assisting with compensation claims against banks. Ongoing issues continue to emerge, resulting in large fines against lenders.
Horse clippers
Masterclip manufactures and retails animal clipping products directly to consumers including clippers for dogs, horses, sheep, and cattle. They offer exceptional value through both manufacturing and retail sales backed by excellent customer service. Masterclip focuses on customer needs by providing a wide range of tested, award-winning clippers and a repairs service, with friendly and experienced staff based in Leicestershire.
Accountancy finance
Performance Finance regularly provides fast and effective unsecured loans for accountants and accountancy practices throughout the UK. They specialize in accountancy finance and have a team that can advise clients on the best options for partner buy-ins/outs, practice acquisitions, debtor finance, fee purchases, tax funding, and equipment leasing. Their loans help accountants improve their services, expand their reach, and propel their businesses forward with the right tools while preserving cash flow.
Sign design
Hawes Signs is an expert sign design company with over 60 years of experience creating eye-catching signs to help brands stand out. They work closely with clients to design modern signs that transform brands and give the right impression. Whether a large or small job, Hawes Signs performs to the highest standard and delivers projects on time and on budget.
Pneumatic cylinders
Pneumatic cylinders, also called actuators, are pneumatic devices used to provide motion and force in industrial automation. BL Pneumatics offers a wide range of pneumatic cylinders and air actuators from leading manufacturers in various sizes and configurations. Cylinders are available with diameters from 6 to 320mm, strokes from 5 to 3000mm, and in single or double-acting styles for numerous industrial applications.
Pneumatic cylinders
Pneumatic cylinders, also called actuators, are pneumatic devices used to provide motion and force in industrial automation. BL Pneumatics offers a wide range of pneumatic cylinders and air actuators from leading manufacturers in various sizes and configurations. Cylinders are available with diameters from 6 to 320mm, strokes from 5 to 3000mm, and in single or double-acting styles for numerous industrial applications.
Tax loans
This document describes a tax loan product that offers low interest rates between 9.9% APR for individuals and businesses to spread tax payments over 6 to 60 months. A typical 2-year tax loan of £30,000 at 9.9% APR would have monthly payments of £1,376.69 and total repayment of £33,040.46. Benefits include improved cash flow, deferred payment for up to one month, fixed monthly payments, quick arrangement, and competitive rates with personal service from a dedicated account manager.
David penn
David Penn is a seven-time award winning British magician and illusionist. He offers close-up magic, cabaret, and large-scale illusion shows. His illusion show won him the title of "British Magic Champion" and a spot in the finals of Britain's Got Talent. As a close-up magician, he has won "Magic Circle Close-Up Magician of the Year" and "International Brotherhood of Magicians' Close-Up Magician of the Year." David Penn is recognized as an innovator who has created effects used by other famous magicians. He is available for booking for corporate events, weddings, and other private functions.
Ppi
PPI stands for payment protection insurance, which is insurance sold by financial institutions to protect borrowers if they lose their job or become ill. The document discusses how to check if you have PPI on loans or credit cards, how to check how much you can claim back if it was mis-sold, and the process for filing a claim through iSmart, a company that assists with PPI refund claims. iSmart will check your accounts for free to see if you had PPI and help submit claims if you were mis-sold the insurance. There is no time limit on submitting PPI mis-selling claims as long as misrepresentation can be proven.
Queue management system software
Irisys is a pioneer in queue management technology for supermarkets. Their hardware and software systems use people counting to provide analytics and tools to improve operational efficiency and customer experience. Their key products include: (1) The Lane Management System which provides real-time analytics on checkout performance, ROI, and comparisons across stores; (2) The Predictor tool which alerts staff to anticipated demand increases so checkouts can be opened and staff redeployed in advance; and (3) The Store Data System which acts as a central hub displaying information for staff and customers via dashboards and displays.
Electronic queue management
Electronic queue management uses sensors to monitor customer traffic at store entrances, checkouts, and throughout buildings. This allows checkout supervisors to more accurately deploy staff based on objective data about customer numbers in different areas. The data can also be analyzed at various levels to compare key performance indicators and see the effects of new policies in real-time. Electronic queue management provides benefits like reduced staffing costs, improved customer service, and increased customer spending and loyalty compared to manual systems.
Uk franchise directory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy and publications group with its headquarters in the UK that has been involved in franchising since 1981. FDS provides a range of franchise products and services for franchisors, franchise owners, investors and non-franchising companies, operating offices across the UK, Australia, Spain, Lebanon and Pakistan and is a member of the International Franchise Association and affiliate of the British Franchise Association.
Uk franchise directory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy group with offices across the UK, Australia, Spain, Lebanon and Pakistan that has been involved in franchising since 1981. FDS provides a range of franchise products and services for established franchisors, franchise owners, and companies exploring franchising.
Performance finance-team
This document contains contact information for various staff members at Performance Finance, including their names, email addresses, phone numbers, areas of coverage, and office address. It lists regional managers for different parts of the UK and Ireland, along with their contact details. It also includes contact information for the Managing Director and Operations Director based at the company's head office in Kettering, Northamptonshire.
Performance finance
Performance Finance provides business and personal loans to qualified professionals. They offer competitive rates through relationships with multiple lenders to ensure the best deals. Any fees will be agreed upfront with no hidden costs. Loans have fixed rates to protect against interest rate changes. Performance Finance understands tax implications to provide the most cost-effective options. They provide a friendly phone service to quickly answer queries professionally without hassle. Their highly trained team aims to deliver a fast, friendly, precise service so clients are regularly informed without wasting time.
Theukfranchisedirectory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy and publications group with its headquarters in the UK that has been involved in franchising since 1981. FDS provides a range of franchise products and services for franchisors, franchise owners, investors and non-franchising companies, operating offices across the UK, Australia, Spain, Lebanon and Pakistan and is a member of the International Franchise Association and affiliate of the British Franchise Association.
Bookmycourse
BookMyCourse is the UK's number one website for promoting and booking training courses, with thousands of course dates and hundreds of locations nationwide. They have built relationships with over 400 carefully selected training providers across sectors like health and safety, construction, business, and IT. BookMyCourse provides a one-stop solution for all training needs, from short individual courses to dedicated multi-day training for entire workforces. They work to continually improve the website and keep prices competitive through discounts exclusive to BookMyCourse.
Bmt promotions
BMT Promotions has recently moved to a new headquarters in Wellingborough, located near major transportation links. They have an experienced team that works hard to serve both new and existing customers in a friendly manner. BMT assigns a dedicated contact to each client to ensure a smooth process from quotes to delivery and address any queries. They actively seek feedback to maintain their high levels of customer service and have over 15,000 promotional products available from UK, European, and Far East suppliers.
Asco piston-valves
Performance Finance offers expert financial solutions for dental practices, including equipment financing for digital imaging, OPG, CBCT and CAD/Cam technology. They also provide practice loans for purchasing practices, partnership buy-ins, and tax bills. As a dental finance specialist, Performance Finance aims to consistently and professionally meet the needs of dentists and dental practices with a range of asset, equipment, tax, business and personal loans.
Northampton it-support
Northampton IT Support provides a range of managed IT services for businesses, including full IT support, help with individual equipment or technologies, and fully managed IT support services. Their flexible options are tailored to each business's objectives and needs. They can support businesses by handling day to day IT operations so clients can focus on growth and commercial strategy. Support is available for people, infrastructure, applications, and technologies through their UK support center with guaranteed service level agreements.
Loans for-vets
Performance Finance provides tailored financing solutions for equipment, refurbishments, and other needs for veterinary practices of all sizes. They offer loans for items like ultrasound machines, x-rays, IT, and more. As financial experts specializing in the veterinary profession, they can provide competitive quotes and guidance to ensure practice finances are optimized.
Patient transport-system
Meridian Command is a patient transport system used by ambulance services and local authorities to schedule, control, and track a fleet of emergency response vehicles. It can be deployed in 24/7 control centers and customized to operators' needs across multiple monitors. Meridian Command increases efficiency and excellence with automatic scheduling, demand planning, real-time monitoring, and late request management. It also helps decrease costs by reducing staff and data entry while maintaining productivity.
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Accountancy finance
Performance Finance regularly provides fast and effective unsecured loans for accountants and accountancy practices throughout the UK. They specialize in accountancy finance and have a team that can advise clients on the best options for partner buy-ins/outs, practice acquisitions, debtor finance, fee purchases, tax funding, and equipment leasing. Their loans help accountants improve their services, expand their reach, and propel their businesses forward with the right tools while preserving cash flow.
Sign design
Hawes Signs is an expert sign design company with over 60 years of experience creating eye-catching signs to help brands stand out. They work closely with clients to design modern signs that transform brands and give the right impression. Whether a large or small job, Hawes Signs performs to the highest standard and delivers projects on time and on budget.
Pneumatic cylinders
Pneumatic cylinders, also called actuators, are pneumatic devices used to provide motion and force in industrial automation. BL Pneumatics offers a wide range of pneumatic cylinders and air actuators from leading manufacturers in various sizes and configurations. Cylinders are available with diameters from 6 to 320mm, strokes from 5 to 3000mm, and in single or double-acting styles for numerous industrial applications.
Pneumatic cylinders
Pneumatic cylinders, also called actuators, are pneumatic devices used to provide motion and force in industrial automation. BL Pneumatics offers a wide range of pneumatic cylinders and air actuators from leading manufacturers in various sizes and configurations. Cylinders are available with diameters from 6 to 320mm, strokes from 5 to 3000mm, and in single or double-acting styles for numerous industrial applications.
Tax loans
This document describes a tax loan product that offers low interest rates between 9.9% APR for individuals and businesses to spread tax payments over 6 to 60 months. A typical 2-year tax loan of £30,000 at 9.9% APR would have monthly payments of £1,376.69 and total repayment of £33,040.46. Benefits include improved cash flow, deferred payment for up to one month, fixed monthly payments, quick arrangement, and competitive rates with personal service from a dedicated account manager.
David penn
David Penn is a seven-time award winning British magician and illusionist. He offers close-up magic, cabaret, and large-scale illusion shows. His illusion show won him the title of "British Magic Champion" and a spot in the finals of Britain's Got Talent. As a close-up magician, he has won "Magic Circle Close-Up Magician of the Year" and "International Brotherhood of Magicians' Close-Up Magician of the Year." David Penn is recognized as an innovator who has created effects used by other famous magicians. He is available for booking for corporate events, weddings, and other private functions.
Ppi
PPI stands for payment protection insurance, which is insurance sold by financial institutions to protect borrowers if they lose their job or become ill. The document discusses how to check if you have PPI on loans or credit cards, how to check how much you can claim back if it was mis-sold, and the process for filing a claim through iSmart, a company that assists with PPI refund claims. iSmart will check your accounts for free to see if you had PPI and help submit claims if you were mis-sold the insurance. There is no time limit on submitting PPI mis-selling claims as long as misrepresentation can be proven.
Queue management system software
Irisys is a pioneer in queue management technology for supermarkets. Their hardware and software systems use people counting to provide analytics and tools to improve operational efficiency and customer experience. Their key products include: (1) The Lane Management System which provides real-time analytics on checkout performance, ROI, and comparisons across stores; (2) The Predictor tool which alerts staff to anticipated demand increases so checkouts can be opened and staff redeployed in advance; and (3) The Store Data System which acts as a central hub displaying information for staff and customers via dashboards and displays.
Electronic queue management
Electronic queue management uses sensors to monitor customer traffic at store entrances, checkouts, and throughout buildings. This allows checkout supervisors to more accurately deploy staff based on objective data about customer numbers in different areas. The data can also be analyzed at various levels to compare key performance indicators and see the effects of new policies in real-time. Electronic queue management provides benefits like reduced staffing costs, improved customer service, and increased customer spending and loyalty compared to manual systems.
Uk franchise directory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy and publications group with its headquarters in the UK that has been involved in franchising since 1981. FDS provides a range of franchise products and services for franchisors, franchise owners, investors and non-franchising companies, operating offices across the UK, Australia, Spain, Lebanon and Pakistan and is a member of the International Franchise Association and affiliate of the British Franchise Association.
Uk franchise directory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy group with offices across the UK, Australia, Spain, Lebanon and Pakistan that has been involved in franchising since 1981. FDS provides a range of franchise products and services for established franchisors, franchise owners, and companies exploring franchising.
Performance finance-team
This document contains contact information for various staff members at Performance Finance, including their names, email addresses, phone numbers, areas of coverage, and office address. It lists regional managers for different parts of the UK and Ireland, along with their contact details. It also includes contact information for the Managing Director and Operations Director based at the company's head office in Kettering, Northamptonshire.
Performance finance
Performance Finance provides business and personal loans to qualified professionals. They offer competitive rates through relationships with multiple lenders to ensure the best deals. Any fees will be agreed upfront with no hidden costs. Loans have fixed rates to protect against interest rate changes. Performance Finance understands tax implications to provide the most cost-effective options. They provide a friendly phone service to quickly answer queries professionally without hassle. Their highly trained team aims to deliver a fast, friendly, precise service so clients are regularly informed without wasting time.
Theukfranchisedirectory
The UK Franchise Directory is published by Franchise Development Services Ltd (FDS), an international franchise consultancy and publications group with its headquarters in the UK that has been involved in franchising since 1981. FDS provides a range of franchise products and services for franchisors, franchise owners, investors and non-franchising companies, operating offices across the UK, Australia, Spain, Lebanon and Pakistan and is a member of the International Franchise Association and affiliate of the British Franchise Association.
Bookmycourse
BookMyCourse is the UK's number one website for promoting and booking training courses, with thousands of course dates and hundreds of locations nationwide. They have built relationships with over 400 carefully selected training providers across sectors like health and safety, construction, business, and IT. BookMyCourse provides a one-stop solution for all training needs, from short individual courses to dedicated multi-day training for entire workforces. They work to continually improve the website and keep prices competitive through discounts exclusive to BookMyCourse.
Bmt promotions
BMT Promotions has recently moved to a new headquarters in Wellingborough, located near major transportation links. They have an experienced team that works hard to serve both new and existing customers in a friendly manner. BMT assigns a dedicated contact to each client to ensure a smooth process from quotes to delivery and address any queries. They actively seek feedback to maintain their high levels of customer service and have over 15,000 promotional products available from UK, European, and Far East suppliers.
Asco piston-valves
Performance Finance offers expert financial solutions for dental practices, including equipment financing for digital imaging, OPG, CBCT and CAD/Cam technology. They also provide practice loans for purchasing practices, partnership buy-ins, and tax bills. As a dental finance specialist, Performance Finance aims to consistently and professionally meet the needs of dentists and dental practices with a range of asset, equipment, tax, business and personal loans.
Northampton it-support
Northampton IT Support provides a range of managed IT services for businesses, including full IT support, help with individual equipment or technologies, and fully managed IT support services. Their flexible options are tailored to each business's objectives and needs. They can support businesses by handling day to day IT operations so clients can focus on growth and commercial strategy. Support is available for people, infrastructure, applications, and technologies through their UK support center with guaranteed service level agreements.
Loans for-vets
Performance Finance provides tailored financing solutions for equipment, refurbishments, and other needs for veterinary practices of all sizes. They offer loans for items like ultrasound machines, x-rays, IT, and more. As financial experts specializing in the veterinary profession, they can provide competitive quotes and guidance to ensure practice finances are optimized.
Patient transport-system
Meridian Command is a patient transport system used by ambulance services and local authorities to schedule, control, and track a fleet of emergency response vehicles. It can be deployed in 24/7 control centers and customized to operators' needs across multiple monitors. Meridian Command increases efficiency and excellence with automatic scheduling, demand planning, real-time monitoring, and late request management. It also helps decrease costs by reducing staff and data entry while maintaining productivity.
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Findlay Evans Waterproofing with AIW - Article April 2017
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The AIW Delivers on the Importance of Waterproofing
On March 29, 2017, the AIW attended and presented at the ADEB (Architects Designers Engineers Builders) Waterproofing Breakfast Seminar in Sydney. The focus was on addressing commercial waterproofing and residential high-rise waterproofing failures and solutions.
Presentations and Key Points
Paul Evans, AIW President, gave an overview of the AIW's role in raising waterproofing standards in Australia. Robert McDonald, an AIW member, delivered a session on the “Australian Standards in Waterproofing.” These presentations covered:
Common defects in internal and external waterproofing
Priming and substrate moisture content
Inspection and testing of waterproofing
Drainage and waterproofing techniques
Product knowledge and standards compliance, including:
CA 55 - 1970 (Design and Installation of Bituminous Fabric Roofing)
AS 3740 (Waterproofing Wet Areas in Residential Buildings)
AS 4858 - 2004 (Wet Area Membranes)
AS 4654 - 2012 (Waterproofing Membrane)
The AIW remains dedicated to updating, providing current information, and educational resources for all industries involved with waterproofing.
Achieving Uniform Waterproofing Compliance Nationally
Achieving uniform waterproofing compliance across Australia involves collaboration with State and Territory Regulatory Authorities, which play a crucial role. Current licensing requirements are often disjointed, and in many states, not mandatory.
Local authorities and building surveyors request Waterproofing Application Certificates to certify compliance with BCA and Australian Standards. These certificates must be issued by a competent person, whose work falls under the scope of their license or who has formal qualifications to carry out the work. Training and qualifications are regulated under the National Qualifications Framework.Findlay Evans Waterproofing with AIW - Article August 2017
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Waterproofing Changes in Victoria
The Building Act 1993 remains, but the Building Regulation 2006 will be replaced by the Building Regulations 2017, expected to be legislated around September. Key changes affecting the waterproofing industry include Part 13, which mandates inspection prior to covering a waterproofing membrane in any wet area.
The regulations remain consistent in other areas affecting waterproofing, such as the adoption of the NCC and relevant Australian Standards, methods of assessment of compliance, material testing, and compliance certificates.
The VBA confirms that only a registered Building Practitioner can authorize compliance of waterproofing works. Subcontractors who are not registered cannot authorize compliance. Although they can state that they have complied with the relevant standards, liability lies primarily with the registered builder, now shared with the Building Inspector or Surveyor for wet areas.
QBCC Tradie Tours
Waterproofing is consistently one of the most common defects reported to the QBCC, with mistakes being costly. In June 2017, the QBCC presented ten waterproofing seminars throughout Queensland, dedicated to waterproofing and tiling issues with a focus on preventing waterproofing defects. Approximately 1000 builders, waterproofers, certifiers, and tilers attended these seminars.
Bayset’s Training & Quality Manager, Frank Moebus, provided in-depth information about avoiding installation problems. The Tradie Tour received positive feedback from the industry.
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Property Type: Commercial
Project Type: Restoration
Scope: Leaking roof joints affecting company suites
Applicator: Australian Waterproofing Company Pty Ltd
Area: 1150m²
Category: Waterproofing
Products Used:
Soprema Soprasun 3.0S
Soprema Sopradhere Primer
Soprema Alsan Flashing
Soprema Roof Vents
Project Details:
Botanicca Corporate Park experienced leaks in the roof joints that affected various company suites and balconies. The building, constructed in 2006, required a watertight roof to ensure its longevity. A 20-year warranty was provided, and the Soprema Torch On system was applied to achieve a high-quality waterproofing result, both aesthetically and functionally.
Gary Moody, project manager, described the project as challenging but rewarding due to the successful outcome achieved by the experienced applicator.
Importance of Waterproofing Standards and Compliance
Legislative Changes and Their Impact
The introduction of the Building Regulations 2017 brings significant changes to the waterproofing industry, particularly regarding inspection and compliance requirements. For the first time, building inspectors or surveyors must inspect waterproofing membranes before they are covered in any wet areas. This change emphasizes the importance of thorough inspections to prevent defects and ensure high-quality waterproofing.9861615390 Satta Dpboss Satta Matka Satta
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In the realm of accounting software, QuickBooks stands as a cornerstone for businesses of various sizes. Its robust features streamline financial operations, offering efficiency and accuracy in managing accounts, payroll, invoices, and more. However, like any complex software system, QuickBooks is not immune to errors. Among the most vexing issues users encounter is the "QuickBooks Unrecoverable Error." This error can halt productivity, disrupt workflow, and leave users scrambling for solutions.
Findlay Evans Waterproofing with AIW - Article October 2018
Findlay Evans Waterproofing with AIW - Article October 2018MELBOURNE Commercial Waterproofers - Findlay-Evans Waterproofing
The construction industry is undergoing significant changes, particularly in waterproofing. Poor practices have caught the attention of regulators, and changes are coming soon. AIW will keep members informed about these developments. We aim to eliminate subpar contractors who compromise the industry with inadequate work.
Everyone makes mistakes occasionally, but persistent issues arise from those who consistently cut corners, using insufficient materials in unsafe conditions. These practices must end.
Summer Waterproofing Challenges
As summer approaches, common questions arise regarding membrane application in hot or humid conditions:
Is it too hot or humid to apply a membrane?
Will blistering occur?
How to address blistering if it happens?
Should a warranty be issued for such membranes?
Applying membranes in inappropriate conditions often leads to failures. It’s crucial to consider the long-term repercussions of these decisions. Consult your membrane supplier for guidance and ensure you ask the right questions. Industry peers are often willing to help.
Project Reference: QLD Public Hospital
Overview
Property Type: QLD Public Hospital
Contractor/Applicator: Waterstop Solutions
Testing: International Leak Detection Australia (ILD)
Category: Membrane Renewal
Products Used: A specialized bitumen-modified highly flexible waterproofing membrane installed in multiple layers over a moisture barrier primer system.
Project Details: The project involved renewing the waterproofing membrane on two leaking concrete tanks, critical for the hospital’s fire sprinkling system. Challenges included identifying all leaks and adhering to noise and downtime restrictions. The solution involved thorough surface preparation and the use of a compatible, highly flexible membrane, ensuring long-term effectiveness and compliance with Australian Standards.
AIW at Bayset Construction Trade Day
On August 24, 2018, AIW attended the Bayset Construction Trade Day at Coopers Plains Branch. The event was a great opportunity to connect with members and non-members, resulting in increased interest and new sign-ups. The day featured informative sessions, industry support, and excellent networking opportunities.Findlay Evans Waterproofing with AIW - Article July 2019
Findlay Evans Waterproofing with AIW - Article July 2019MELBOURNE Commercial Waterproofers - Findlay-Evans Waterproofing
Comprehensive Guide to Balcony Waterproofing Repairs
Addressing Leaking Balconies, Roofs, and Rooftop Terraces
Leaking balconies, roofs, and rooftop terraces can cause catastrophic damage to structures below. Water leaks may cause not only aesthetic and superficial damage but can also compromise the structural integrity of the building envelope. If a failed waterproofing membrane is the cause, re-grouting or surface sealing is merely a temporary fix. Such band-aid methods will eventually fail, causing cracks in tiles, grout, and membranes as the balcony moves.
In many cases, failed membranes require a complete strip-off, structural repairs if needed, reinstallation of waterproofing, and a new finish surface. Key considerations in this process include the strength of the subfloor and screed, presence of substrate dips and hollows, correct balcony slope and fall, window and door frame installation, door threshold sealing, adequate drainage, and the potential for underlying pipe leaks. Existing tiling and expansion joints should also be assessed to determine their role in the balcony failure.
Waterproofing Preparation
Proper preparation is critical for any waterproofing membrane installation. The substrate must be clean, free of dirt and other contaminants. This involves vacuum cleaning and/or diamond grinding to ensure a smooth, dry, and debris-free surface. In some cases, washing the substrate may be necessary.
Waterproofing Detailing
Before installing a waterproofing system, construction features that interrupt the membrane layer must be adequately protected and sealed. This includes:
Perimeter Upturns: Attachment points for railings and balustrades, joints between horizontal and vertical surfaces, and structural and expansion joints. Sealant should be applied 15mm wide to all junctions, reinforced with polyester or fiberglass mat to a DFT of 1.2mm, 100mm above finished floor height, or 25mm above the water line. The membrane system should be installed 200mm onto balcony floor areas.
Door/Window Step Downs: Similar to perimeter upturns, apply sealant 15mm wide to all junctions, reinforced with fiberglass mat to a DFT of 1.2mm, ensuring the membrane system is installed 200mm onto balcony areas.
Drains & Floor Waste Details: All floor wastes should have a recessed leak control flange installed, primed with appropriate primer, and the membrane system installed as per specifications.
Waterproofing Installation: Australian Standards
The installation of a Class 2/3 waterproof membrane system to external concrete must comply with AS 4654.2. Key considerations for installation include:
Installation Conditions: Avoid installation in extreme temperatures (below 10°C or above 35°C) to prevent accelerated or decelerated cure times.
Type of Membrane: Use a flexible waterproofing membrane capable of withstanding normal cyclic fluctuations and ponding water.Unification of SMS API in Pakistan | Best SMS API Service Provider
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An OpenText™ Vulnerability Assessment provides organizations with a thorough understanding of the weaknesses and potential risks in their applications, systems, and networks. Armed with this insight, they can address vulnerabilities, enhance their cybersecurity defenses, and ensure compliance with insurance and regulatory requirements.
How to Handle Open Web Application Security Project(OWASP) Top Vulnerabilities
Handling OWASP top vulnerabilities requires a proactive and multi-faceted approach. It involves implementing secure coding practices, regular security assessments, and staying up-to-date with the latest security trends and patches. By fostering a security-first mindset and integrating security into the development lifecycle, organizations can significantly reduce the risks posed by these common vulnerabilities.
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Findlay Evans Waterproofing with AIW - Article November 2019
Findlay Evans Waterproofing with AIW - Article November 2019MELBOURNE Commercial Waterproofers - Findlay-Evans Waterproofing
Floor Waste Requirements for Bathrooms in Australia
Waterproofing Melbourne and the entire construction industry must stay updated with the latest amendments to the Australian Standard AS3740 and the National Construction Code (NCC). Recent changes emphasize floor waste requirements and fall requirements in bathrooms, which are crucial for maintaining high standards of commercial waterproofing and other waterproofing practices.
Scope
The amendments clarify the waterproofing of wet areas within residential buildings across various states, including New South Wales, Queensland, and Western Australia. The NCC, a performance-based code, includes Volumes 1 and 2 (Building Code of Australia) and Volume 3 (Plumbing Code of Australia).
Legislation Overview
The NCC provides the minimum necessary standards for safety, health, sustainability, and amenity in building and plumbing legislation across Australia. It is divided into performance requirements and allows for compliance through Deemed-to-Satisfy Provisions or alternative solutions.
BCA Volume 1
F1.7 Waterproofing of Wet Areas: Ensures wet areas in buildings are adequately waterproofed to prevent damage and maintain safety.
F1.11 Floor Grading: In Class 2 or 3 buildings or Class 4 parts of a building, bathroom or laundry floors located above a sole occupancy unit or public space must be graded to prevent water spillage.
BCA Volume 2
Performance Requirement P2.4.1: Addresses waterproofing of wet areas in Class 1 and 10 buildings, specifying that these areas must meet specific performance criteria to ensure effective waterproofing.
Floor Waste and Grading Requirements
The NCC Volume 1 and 2, along with the Australian Standard, provide performance requirements for waterproofing elements in wet areas. However, the BCA Volume 2 does not mandate floor waste installation in Class 1 buildings, such as single dwelling houses, except for rooms with wall-hung urinals. The floor in these buildings does not need to be graded to a floor waste gully, even if one is present.
In contrast, Class 2, 3, or 4 buildings with bathrooms or laundries located above other sole occupancy units or public spaces require floor waste installations to prevent water from entering the spaces below. The floors in these areas must be graded to the floor waste.
Importance of Compliance
Compliance with these standards is critical for preventing waterproofing failures, which can lead to significant post-construction issues, including structural damage and health hazards. Ensuring proper waterproofing in areas like basement waterproofing, retaining wall waterproofing, and lift pit waterproofing is essential for the longevity and safety of buildings.
The Role of Training and Education
Paul Evans highlights the importance of ongoing training and education in the waterproofing industry. By staying informed about legislative changes and best practices, professionals can improve the quality of their work and reduce the risk of defects. Best CRH Sustainability online available
CRH is committed to sustainability through its integrated approach to environmental, social, and governance practices. As a leading building materials company, CRH focuses on minimizing its environmental footprint, promoting social responsibility, and ensuring robust governance.
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