Fledgling independent agent mutual body, The Charter for Independent Estate and Letting Agents (CIELA) reports that it is unlikely to launch on October 1st as planned.The announcement comes after just five per cent of agents who pre-registered with the organisation signed up to pay its pre-launch £35 a month membership fee.CIELA, which revealed its plans for a new mutual body for independent agents in January this year, says it has not yet attracted enough paying members to launch.“We have received very strong vocal support, thousands of agents visiting our website and much encouragement, but this is not translating into membership sign-ups,” says CIELA founder Charles Wright.“Less than five per cent of the hundreds of agents who preregistered with us declaring their support, have proceeded to join.”“Everyone agrees the independent industry needs a collective voice to improve its national reputation, but hardly anyone seems willing to risk even £35 a month to support it.“The wait-and-see problem will cause CIELA to die before launch, unless it’s overcome.“Everyone is waiting for everyone else to join first. Or, there simply isn’t the demand for such an organisation that we were led to believe.”This is despite initial enthusiasm for a body just for independent agent, and an impressive array of key independent agent members including Perry Power, Simon Gresswell of Finley Brewer, Luke Gidney of Let Leeds, Nick Goldsworthy of Logic Estates and Vivienne Harris of Heathgate Properties (pictured).CIELA has roadshows during June, July and September.www.ciela.co.uk CIELA CIELA launch the charter for independent estate and letting agents August 8, 2017The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Home » News » Associations & Bodies » CIELA call for support previous nextAssociations & BodiesCIELA call for supportThe Negotiator8th August 20170645 Views
Five students have been left without permanent accommodation following eviction from their house in Cowley.The students, all third years at New College, returned home last Friday to find that their door had been broken down and that their locks had been changed.A note had been left on the door telling the students to contact Allen Harris Estate Agents.Claire Chambers, one of the students, spoke of her distress at finding she could not get into her house.She said, “We came back from the library at about 11.30pm and found our door broken down: there was wood everywhere.”She described the confusion saying, “We didn’t know what was going on, we had to stay with friends for the night as there was nowhere else for us to go.”The students called the police, but as it was a civil matter there was nothing they could do. They had to wait until the morning, when they were able to contact the estate agents.However Chambers dismissed the response from Allen and Harris as unhelpful. She said, “When we spoke to an estate agent, he just laughed and told us that we had to move out by five.“We knew that we had rights, but as we didn’t know the law, we didn’t know what we could actually do. We had to call our parents to come down to Oxford and help us.”The students rented their house from a landlord, but their only means of contact was through a letting agency, which was apparently unaware that there were tenants occupying the accommodation.The students were told that if they did not move all their possessions out of the house then they would not be able to access their belongings.The students all have examinations this term, and one of them, Tegan Gill, spoke of the disruption the eviction had caused. Gill said, “It has been such a stressful week and has disrupted our revision. It also means that we have nowhere to stay over the summer.“It is our last year here and we really wanted to enjoy it. Our parents have all had to take time off work and this has causes a lot of trouble for a lot of people.”Whilst the students are able to appeal against their unfair eviction, any court case would likely take place in the middle of their finals. Jonathon Bruce, PR manager for Allen Harris described the situation as the “fault of the landlord” for failing to inform the students that he was unable to pay his mortgage. He said that the landlord had not informed anyone that there were tenants occupying the property and that Allen Harris had been acting purely on the orders of Halifax, with whom the landlord had had his mortgage. He described the situation as “unfortunate” but added that Allen and Harris had become involved “only at the end of the process”.He continued, “The issue now is to find the students somewhere else to stay, Allen and Harris have no lettings in the area but are doing whatever possible to help.”The students agreed that the situation was not the fault of Allen and Harris. She identified the landlord as the main culprit, stating that he should have informed the letting agency of his financial difficulties.Louise Randall, OUSU VP for welfare, expressed her concern about the situation. She said, “Most worrying is what little regard the landlord has given to the well being of his tenants in this situation.“The landlord will have had a significant amount of notice about the possible consequences of not keeping up on mortgage repayments, and should have felt a duty of care to have informed the tenants in due time.”Chambers said, “College [New] have been really helpful. Luckily they had rooms available so we are staying there.”Randall added, “I am pleased that New College have acted so swiftly in order to find accommodation for the students and I hope the welfare systems in place in the College will help ease the stress on the students by this.A spokesperson for Halifax stated, “It is important to note that repossession is a very last resort.”“The unfortunate issue is that the people living in the property are not our customers. They are the clients of our customer. As such, their contract is with the landlord, not ourselves. The repossession should not have come as any surprise to either the tenant or the occupier. It is an unfortunate circumstance.”
New research has found that the HIV epidemic first broke out in Kinashasa, now capital of the Democratic Republic of Congo, as early as the 1920s. The analysis confirmed suspicions, though also ruled out less popular theories about the virus’ origins.An international team of researchers including academics from Oxford reconstructed the genetic history of the HIV-1 group M pandemic, managing to find the common ancestor of group M and trace its history. Although strains HIV have jumped from primates and apes to humans at least 13 times in history, only one transmission eventually resulted in a global pandemic. “Until now most studies have taken a piecemeal approach to HIV’s genetic history, looking at particular HIV genomes in particular locations,” explained Professor Oliver Pybus, an Oxford academic and a senior author of the paper. “For the first time we have analysed all the available evidence using the latest phylogeographic techniques, which enable us to statistically estimate where a virus comes from. This means we can say with a high degree of certainty where and when the HIV pandemic originated.”The study estimates that the first human to get HIV, probably a hunter coming into contact with a chimp blood, was infected around 1920, with 95 percent of the estimated dates falling in the period between 1909 and 1930.The research also showed the HIV was able to spread due to a combination of factors in the region. The railway lines in particular helped bring the virus to large cities such as Kinashasa, the largest city in the region, which had over a million annual rail passengers by the 1940s.Nuno Rodrigues Faria, a researcher at Oxford University and another author on the paper, added that “alongside transport, social changes such as the changing behaviour of sex workers, and public health initiatives against other diseases that led to the unsafe use of needles may have contributed to turning HIV into a full-blown epidemic.”After spreading in Africa the virus later travelled across the world. It was first noticed by US doctors in 1981 though is believed to have arrived earlier, and has since infected 75 million people worldwide and killed almost 40 million.The research into HIV’s historical origins may prove be useful to prevent future infections. Rodrigues Faria concluded that the “knowledge of the circumstances that facilitated the epidemic expansion can assist the development of effective education and prevention programs.”
Craft chain Waterfields was named Bakery Sandwich Shop of the Year at the 12th British Sandwich Industry accolades (the ’Sammies’) held in London last week.The Lancashire-based chain picked up the trophy for its new Select format store, currently on trial in Bradshawgate, Leigh, near Manchester.The new concept, selling eat-on-the-go sandwiches, soups, savouries and cakes geared towards the breakfast and lunchtime trade, opened in February. A roll-out of the format was due to start shortly, said MD John Waterfield.Waterfields, which has 40 shops, also won New Sandwich of the Year for its Lancashire Cheese & Real Ale Chutney Sandwich, pipping finalists Marks & Spencer, Tesco and Brambles Foods.Other companies honoured at the Sammies included Sainsbury’s, which was named Sandwich Retail Multiple of the Year, beating off competition from Marks & Spencer, Tesco and Asda. Its upgraded sandwich ranges have driven a 14% year-on-year increase in sales volumes.BB’s Coffee & Muffins was named Coffee Bar Sandwich Retailer of the year. General manager Michele Young said that sandwich sales had grown 14% year on year after the introduction of toasties made from scratch in its 164 shops. Toasties, priced £2.50, are now 30% of sandwich sales.Tesco bagged the Sandwich Marketing prize for its Fresh in the Capital premium sandwich range and foodservice supplier Compass was named Workplace Sandwich Supplier of the Year.
Blair Crimmins is unabashedly old school. Really old school; 1920s Prohibition Era America old school. Crimmins, along with his band – The Hookers – are leading a Dixieland Jazz and ragtime revival. Creating a cacophony of sound with banjo, horns, keys, and – during select live performances – flapper dancers, Blair Crimmins & The Hookers take listeners on a time altering journey, back to an era of speakeasies and bootleggers.Blair Crimmins & The Hookers are set to release their new record, Sing-a-longs, on September 10th.Trail Mix recently caught up with Blair to chat about his hometown of Atlanta, Georgia, long one of BRO’s favorite southern music towns. (Ed. – you can vote for Atlanta as the Southeast’s best music town in our 2013 Best Mountain Towns reader poll)TM – Best post show hangout?BC – I like to hit my neighborhood bar in Cabbagetown called 97 Estoria. It has a late night crowd and I can always get up to the bar for a drink. If the night is still young I usually go there. Since it’s in the neighborhood I can walk or stagger home safely. My other favorite after show hangout is my porch. I’ll have some friends over to party on the porch or I’ll just chill in my rocking chair and hang out with my dogs. I don’t always need an “after show party.” The party is on stage for me. After that I usually like to chill.TM – Must see spot for a visiting out of towner?BC – The Clermont Lounge is the Atlanta Hipster Board of Tourism’s first suggestion for out of towners. It’s definitely a one of a kind joint. It’s a dive bar, a strip club, and a dance club all in one. At the end of my video for “It’s All Over Now” you hear a reference to one of the famous dancing ladies of the Clermont Lounge named Blondie. She has a special talent for crushing beer cans between her tits. It’s a must see.TM – Favorite local venue to see or play a show?BC – Star Bar and The Earl are my favorite live venues in town. I’ve had lot of great times playing at those joints and I always go see local bands there. There are always good local and touring acts coming through those two venues.TM – Favorite local outdoor adventure?BC – You can always go to Stone Mountain for a big hike up the rock or float down the ‘Hooch on a hot day. Also, the Oakland Cemetery is a cool historic place to walk through. I go strolling through there with my dogs. Not sure if I’m supposed to, but I do. It’s a gorgeous place with lots of big oaks and really ornate headstones and mausoleums. Margaret Mitchell is buried there, as is Bobby Jones; there are lots of golf balls lying around Bobby’s headstone. They have events there, too. We played a great music festival this summer called Tunes From The Tombs.TM – Favorite local record shop?BC – We love Decatur CD. They have a beautiful store with a great selection of vinyl and CDs. No surly record store attitudes either. A good music loving staff. We’re playing an in-store performance there on September 10th for the release of our new album, Sing-a-longs.———————————————————————————————Blair and his band of hookers have a whole slew of dates in September as they push the release of Sing-a-longs. The band will be in Georgia, South Carolina, Florida, Tennessee, and North Carolina between now and the end of the month. For more specific dates and venue information, be sure to surf over to wwww.blaircrimminsandthehookers.com.Be sure to check out “It’s All Over Now” on this month’s Trail Mix. And if you would like to get your hands on the band’s new record, take a shot at the trivia question below. Shoot an email to [email protected] A winner of a new – maybe even signed – copy of Sing-a-longs will be chosen from all correct answers received by noon on Thursday, September 7th.Good luck!!Question – Blair provided the musical score for what independent film in 2012? Hint . . . . . check out the PRESS page on his website . . . . .
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With a surging economy, a favorable regulatory environment and increasing pressure to drive growth, more financial institutions are targeting commercial business to find entirely new revenue. According to the experts, commercial opportunities abound in lending, payments and treasury management, but the road to success requires attention to new realities.Businesses’ expectations are high for an intuitive, immediate and inspired banking experience – the same seamless digital experience people are used to as they shop, connect and manage their lives. And competition for commercial banking business, including deposits, is getting tougher thanks to rising interest rates and pressure from fintech players.“Businesses now compare their banking experience not with other banks or credit unions, but with platforms such as Amazon,” said Christine Barry, research director at the Aite group. “Fintech is raising the bar, forcing financial institutions to play catch up to replace outdated, clunky experiences with a newer, more modern look and feel.”San Antonio-based Broadway Bank has a similar story to tell. The $3.6 billion commercial bank recently introduced enhanced treasury management capabilities to compete with bigger financial institutions for the bread and butter of its business – commercial services, private banking and wealth management – while also making a big difference for its customers.
Albert Einstein is credited with stating, “If I had an hour to solve a problem…I would spend the first 55 minutes determining the proper question to ask.” What’s the most important question your credit union’s leadership team is asking about the credit union’s future? And, what answers are steering your strategic plan?More than 50 credit union CEOs, from numerous asset sizes and locations, shared their “most important question.” A dozen general themes emerged, each with its own series of questions. Read what other leaders are asking of their credit unions; and, consider if several help you find additional focus for your strategic direction.Think about the credit union three years out. Knowing what you know and what’s really conceivable, what possibilities exist? Where are the greatest gaps and how might they be filled? continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jason Skemp As PolicyWorks’ Director of Audit Services, Jason Skemp is responsible for the delivery of PolicyWorks’ compliance review services provided to credit unions nationwide. Jason works extensively with individual credit unions … Web: www.policyworksllc.com Details Managing compliance is a complicated undertaking for credit unions of any size. The roster of regulations affecting credit unions continues to grow, with hundreds of pages of new rules added each year. Monitoring all areas for compliance can be a significant challenge; even if a credit union has staff dedicated to compliance it is still an uphill battle.Increasingly, credit unions are making it a priority to develop and implement a compliance management system (CMS) as a way to ensure compliance with federal consumer protection laws and regulations, as well as gain visibility and control over their compliance efforts. One way that credit unions are approaching this is through technology where their written documents, functions, processes, controls, and tools are stored in a single repository that cuts across all areas of the credit union, from operations to administration to marketing and advertising.There are four elements to a strong and effective CMS:Board and management oversight of compliance policies and activities. Examples are policy approvals, reviews of activity reports, and reviews of monitoring/audit.A compliance program consisting of policies, procedures, training, monitoring and corrective actions.Responsible, responsive handling of consumer complaints, including procedures, monitoring, and reports. Compliance audit program, including scope and coverage, report distribution, corrective actions, and determination of the adequacy of the program.For those credit unions that utilize technology, they benefit by having the ability to monitor compliance from a centralized resource, a single source for visibility, tracking, and reporting of activities, and in some cases automatically generated rule change notifications. Stanford Federal Credit Union uses the ComplySight program to organize its compliance activities and has lightened its management burden in several ways, including streamlining product development.As a centralized, web-based program, regulations within the ComplySight program remain current and are automatically updated with changes. A customized dashboard applies current compliance standards to every activity and can help balance actions taken by credit union departments against a variety of compliance directives. This type of technology helps a credit union view new or revised regulations and determine which ones are in line with their products and services. The answers are easy to find.Designated managers and area specialists can access the program to assess their projects, review and enter comments on specific rules and other key aspects of product and service development efforts. Compliance requirements become part of the hands-on creative process and any red flags are caught and corrected quickly.When it comes to Marketing, the program can keep electronic and printed messaging and collateral in alignment with all the necessary inclusions and disclosures that need to be part of the message. That saves time, effort, and money by assuring compliance from the start. Stanford also uses ComplySight to keep projects on schedule, communicating with credit union staff members to ensure they stay current with assigned tasks, and for complaint resolution, since it provides a valuable record of complaints and the actions taken in response.Using a program like ComplySight as a part of a CMS not only helps a credit union identify and correct compliance gaps but can also provide monthly reviews and ensure that findings are shared with staff. By tracking the credit union’s progress in key areas of compliance and reporting it clearly, information can be readily shared with examiners.As the credit union industry evolves, the daily challenges will continue to grow. Good compliance practices will help your credit union meet those challenges successfully.
This week is Climate Week here in New York and other states across the country. 12 News spoke to a Binghamton University professor today who specializes in flood research. He said he believes climate change can be seen in the region’s streams and rivers. He said even though the two biggest storms happened in 2006 and 2011, modern local flooding goes back a decade earlier. (WBNG) — Local climate experts believe climate change is happening here in the Southern Tier, and there are specific places you can see it. “In fact, the flood history that’s increased in the last few decades goes back to about 1993 and so we had large floods in the area in 93, 96 and some areas around here in 95, and then especially in 2006 and 2011,” said Peter Knuepfer, an associate professor of geology and environmental science. The professor said while no one can be 100% sure of it, he’s as confident as any scientist could be that climate change is happening in the Southern Tier, as evidenced by the increasing frequency of large storm events in the area.
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