Home » News » MPs back move to add rental payments to tenants’ credit scores previous nextMPs back move to add rental payments to tenants’ credit scoresCalls for action to be taken to increase chances of young renters to get on the property ladder made during debate yesterday in Parliament.Nigel Lewis24th October 201702,743 Views Millions of tenants may soon be given a leg up onto the property ladder following a debate in parliament yesterday afternoon led by MP Paul Scully (pictured, right).An all-party selection of MPs sat down in Westminster Hall to debate an e-petition raised earlier this year calling for on-time rental payments to be recognised as evidence that mortgage re-payments can be met.Created by Plymouth roofer Jamie Pogson (pictured, left) during a ‘rant on the way to work’, the ordinary-sounding petition 186565 went on to be signed by over 147,000 people and gain its day in parliament.The debate included several high-profile MPs including Stephen Barclay, the Economic Secretary to the HM Treasury, who spoke on the government’s behalf.He gave Pogson and the millions of tenants desperate for any help on to the property ladder a strong signal that lenders may soon be compelled to add tenants’ rental payment to their credit histories.Stephen Barclay said he agreed that rental payments should be one of the key pieces of information included in credit files, and that he would talk with interested MPs with a view to proceed with a solution.“A gentle nudge to encourage the credit referencing sector would be appropriate here,” says Luke Pollard, MP for Plymouth, Sutton and Devonport (pictured, right).What that is remains up for more debate. David Jones, MP for Clwyd West, gave an eloquent speech calling for banks to enable landlords to report their tenants’ rental payments through their standing orders, or to set up a national rental payments portal.Credit filesOnly one credit reference agency currently offers the service – Experian – and it recently teamed up with The Big Issue magazine to offers social housing tenants the service. Some 1.5 million tenants in this sector now benefit, MPs were told.Landlords or agents who manage more than 100 properties can either report their tenants’ rental payments direct to Experian or to CreditLadder.co.uk which also handles smaller landlords – paying rental payments the same day – and reports the transaction to Experian.CreditLadder was criticised during the debate by David Jones, who said it was an unnecessary layer of “bureaucracy” in the rental process, something the website denies.“CreditLadder’s partnership with Experian means we are the only organisation at the moment who can offer smaller portfolio landlords a way to include tenants’ rental payments onto their credit profiles,” says CEO Sheraz Dar.“This service is free and doesn’t rely on landlords to report the information.” Luke Pollard paul scully stephen barclay Sheraz Dar credit histories creditladder David Jones October 24, 2017Nigel LewisWhat’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
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View post tag: FREMM Photo: US destroyer USS Gonzalez (DDG 66) and Italian frigate ITS Alpino (F 594) sail together during a passing exercise on May 17. Photo: Italian Navy View post tag: FFG(X) View post tag: Fincantieri View post tag: Italian Navy Share this article View post tag: US Navy The Italian Navy’s FREMM frigate ITS Alpino (F594) has arrived in Norfolk, Virginia, for the first stop of her North American tour.The tour will help Fincantieri, and the Italian industry, showcase the FREMM frigate design Fincantieri is offering for the US Navy’s next frigate, dubbed FFG(X).Alpino arrived at Norfolk Station Norfolk on May 17 and will stay until May 24.Prior to making the first port call of her North America tour, the frigate met at sea with guided-missile destroyer USS Gonzalez (DDG 66) to carry out combined operations May 16-17.“The crew exchange was highly beneficial to both Gonzalez’s crew and Alpino’s, giving rare insight into each other’s daily routine, said Cmdr. Les Sobol, the commanding officer of USS Gonzalez. “The [passing exercise] was an invaluable opportunity to flex multiple skillsets with our NATO partners at sea.”In addition to the passing exercise, Gonzalez and Alpino conducted visit, board, search, and seizure exercises and flashing light communication drills off the coast of Virginia, allowing both crews to gain familiarity and proficiency in tactical maneuvering and communications.“ITS Alpino’s high-end technology and air asset, the SH-90, was stunning to view and discuss,” said operations specialist 1st class Caitlin N. Cannon. “I truly enjoyed our collaboration and I feel training events like this should be encouraged more often; building relationships with our allies, training alongside each other, and most importantly coming together as a war fighting team, is vital to NATO operations.”Following her stay in Norfolk, Alpino will visit Baltimore, New York City, and Boston. The trip is designed to both improve upon cooperation between the US and Italian navies and underscore the potential benefits of frigates modelled off the ITS Alpino for the US Navy.The ITS Alpino has 16 Vertical Launch System (VLS) cells that can be upgraded to 32 according to Fincantieri, can host two helicopters, and can combat undersea, surface, and airborne threats.Commenting the frigate’s arrival to Norfolk, retired Vice Admiral Richard Hunt and Fincantieri Marinette Marine’s chief strategy officer said: “The ITS Alpino demonstrates the proven versatility and capability of the FREMM class frigate. It provides a superior platform for the U.S. Navy FFG(X) competition and can provide great combat capability for our Navy in the near term and beyond. It will contribute to the defense of America and our allies.”“The ITS Alpino’s cutting-edge technology provides the capabilities needed for FFG(X) to be highly lethal while still being dependable and comfortable for the sailors who operate it,” Charles Goddard, formerly the US Navy’s PEO Ships and current Fincantieri Marine Group senior vice president added. “The FREMM’s design will enable it to grow over its service life with the U.S. Navy with limited upgrade costs. This ship is a technical marvel.”Fincantieri is one of five companies shortlisted by the US Navy to develop conceptual designs for the FFG(X) frigate.
As part of the ‘Pembroke North’ Access scheme, Ashton Sixth Form College has installed an antiquated room which emulates an Oxford don’s study. With its dark wood panels and shelves of books, it would not be surprising to glimpse Oxford’s dreaming spires from the window. However this ostensibly old-fashioned room is newly-built, created with the aim of making students in Greater Manchester feel more comfortable in Oxbridge surroundings and to encourage them to aspire towards it as a university destination. Originally the ‘Pem-Brooke’ scheme, a unique partnership between Bsix Brooke House Sixth Form in Hackney and Pembroke College, ‘Pembroke North’ is the Northern extension of Pembroke’s outreach programme.As Cherwell reported, in 2012, Bsix spent £10,000 installing a similar room as part of the partnership. In 2013, 28 of its students went to Russell Group universities as opposed to 3 years earlier when just 5 students gained places.Sam Thomas, who graduated last year from Ashton Sixth Form College and is now studying French with Italian at St John’s College, is supportive of the scheme. He remarked, “It’s a good idea. Looks aren’t everything, but being able to experience something visually similar to an Oxbridge interview will be helpful for applicants for whom the stereotypical ‘Don’s study’ is an alien environment.“Having been to the UNIQ Summer School, I’d had more experience of that environment than most at Ashton Sixth Form College when I applied to Oxford, but I still found those ‘dark panelled walls and shelves crammed with books’ intimidating during my interviews. Without Access schemes like this – like UNIQ and Pembroke North – many would not consider applying in the first place.”Summer Taylor, an LMH History undergraduate also sees the scheme in a positive light, arguing, ”It is not Oxford’s aim to ‘intimidate’ but to ‘challenge’. They want to get the best from you in the interview, but at the same time they want to sort the men from the boys, so if this replica helps interviewees with nerves then it’s a good thing. Let the challenge come from the dons, not the decor”.However, some students have noted that the study isn’t the most efficient way to prepare for Oxford. For Liam Biser, a first-year studying PPE, the key to Oxford admission is found in “practising as many thinking skills assessment papers as possible”. Another first-year at Oriel pointed out that “personally, the best advice I received was to not be afraid of silence. It’s all too easy to keep talking without pausing to think about what you’re actually saying.”The “Pem-Brooke” scheme is not just about re-creating the physical surroundings of Oxford but also the intellectual atmosphere. Lecturers from Pembroke College and other top universities, such as Manchester, also give prospective applicants seminars and lectures as well as coaching pupils on approaching the entire admissions process.For Emma Williams, a law undergraduate who was herself educated in Manchester, this is what is most important: “Most young people here have never experienced anything like an Oxford interview so it is daunting environment to be thrown into. However, it wasn’t the surroundings for me which made me nervous, but whether I could show my thought process and ideas in 20 minutes, so interview practice with someone from Oxford would have been incredibly helpful.”
IS IT TRUE for the last several years the City of Evansville officials have claimed that the not-or-profit Evansville Brownfields Corp isn’t an entity of the City? …the.not-for profit Evansville Brownsfields Corp staff member is paid by the City? …her.office and their organization records are located and maintained in the DMD offices located in the Civic Center? …all the Evansville Brownfields Corp land bank title expenses and fees are paid by the City? …income that supports the overall operations comes from grants and sale of properties given to them by the City/County taxpayers? …after reading the information we just posted concerning the Evansville Brownfields Corp we wonder if you think that EBC meetings should be closed to the public?IS IT TRUE we are extremely puzzled about why Vectren Corp would allow anyone from their organization to serve on the board of a City/County taxpayer funded organization that holds their meetings in private? …over the last several years Vectren Corp has been doing a masterful job in improving their public image? … they shouldn’t allow an employee from their organization to serve on a taxpayer funded board that conducts their business in private? …we also feel that Vectren Corp should not allow Evansville Brownfield Corp to use their conference room for secret closed door meetings? …we are watching with interest to see if the new Vectren way of doing business is that they support open transparency in government? IS IT TRUE we were surprised that Alex Schmitt had the political gall to call Mrs Musgrave an agitator just because she challenges the actions of the political machine? …all we can say to Mrs. Musgrave is “Give Them Hell” girl?IS IT TRUE we hear that City Council President Missy Mosby is quietly telling people that she is supporting Governor Pence for re-election? …we thought she was a Democrat?IS IT TRUE we were informed by a committee member of a person running for public office that they shall not be advertising in the City County Observer? …the reason they decided to do this is because we posted something about their candidate that they didn’t like? …just because a candidate advertises in the CCO doesn’t mean were not going to take them to task when they do something wrong? …in fact we are glad that they took their advertising dollars elsewhere?FOOTNOTE: Our next “IS IT TRUE” will be posted on this coming Wednesday?If you would like to advertise in the CCO please contact us City-County [email protected] “Readers Poll” question is: Do you feel that the main stream media failed in reporting the real facts concerning the 2014 SBOA audits short falls of the City of Evansville? Copyright 2015 City County Observer. All rights reserved. This material may not be published, broadcast, rewritten or redistributed FacebookTwitterCopy LinkEmail IS IT TRUE we also feel that 4th Ward City Councilwoman, Connie Robinson, should immediately resign from serving on the taxpayer funded Evansville Brownfields Corp board because they conduct the people’s business behind closed doors? …we feel that no elected official should serve on a board that is supported by taxpayers dollars that holds their meetings behind close doors?IS IT TRUE last year GOP Party Chairman Wayne Parke alleged that Cheryl Musgrave wasn’t a Republican? …earlier this year Mr. Parke, with the support of Mayor Winnecke, hand picked a political unknown to run in the Republican primary against political power house Cheryl Musgrave? …the 32 year-old candidate for County Commissioner Alex Schmitt voted in the last Democratic Party Primary election and Parks had to give him special permission to run for this seat?
Ocean City Beach Patrol will protect nine beaches in its final weekend of the 2015 season. The final day of the season for the Ocean City Beach Patrol lifeguards will be Sunday, Sept. 20.The following beaches will be protected:St. Charles Place (between 1st and 2nd)Brighton Place (between 4th and 5th)Eighth StreetNinth Street10th Street12th Street14th Street34th Street58th StreetThe weekend forecast calls for sunny days on Saturday and Sunday, and the ocean temperature is 72 degrees. The ocean has been calm all week and should remain the same on Saturday. A building north wind on Sunday could make the surf a little rougher.Access to 59th Street Beach will be blocked as the south end replenishment project wraps up by Tuesday.
Delice de France, which is marking its 25th anniversary this year, is celebrating with the launch of 60 new products for spring, as well as a revamped website.Joining its Breads of the World range is a new Mediterranean Bread a sourdough bread containing Kalamata olives, sun-dried tomatoes, and red and yellow peppers.There is also a new Walnut Bread available, as well as a Sage & Onion Pavé, a Toasted Sunflower & Honey Loaf and a Muesli Muffin.For lunches, Delice has developed new panini products, including the Nigella & Sesame Seed Panini, and the Delice Grilly a pre-grilled panini.The company’s Viennoiserie category has also been updated, with a new Fully Baked Sweet Pastries Mixed Selection, which includes: Apple Whirls, Raspberry Whirls, Mincemeat Whirls and Double Chocolate Whirls.New cakes include toffee & date and lemon & ginger.www.delicedefrance.co.uk
Sad news for bluegrass fans, as today, Cabinet announced that they’d be going on an indefinite hiatus following their three-night New Year’s Eve run. The band formed in 2006, gaining a large following for their innovative and progressive bluegrass stylings. With a home base of Scranton/Wilkes-Barre, Pennsylvania, the group also became known as the hosts of the annual summer festival, Susquehanna Breakdown.Cabinet Invites Cris Jacobs & More For Thanksgiving Throw-Down [Full Audio/Photos]You can read the band’s full statement on their upcoming hiatus below. If you wanna catch the group in action before they call it quits for the indefinite future, you can see them on December 29th at Burlington, Vermont’s Higher Ground (Showcase Lounge), on December 30th at Syracuse, New York’s Westcott Theater, and on December 31st at Wilkes-Barre, Pennsylvania’s F.M. Kirby Center.Dear Cabinet Family and Friends,Since the band was formed in 2006, each passing year has been part of an evolution. We as musicians have evolved, our individual lives and families have evolved, the music has evolved.Through this evolution over the better part of 10 years we have reached a point where we feel it necessary and healthy to take a break. Take a step back, reflect, focus on our families, on ourselves, breathe and be grateful.Starting January 1, 2018 Cabinet will be going on an indefinite hiatus. We urge you all to be with us through the end of the year. Your warm presence and support is the good juice that has kept us going!We are proud of what we have accomplished in the past 10 years and couldn’t be more grateful to have the support from all of our family, friends, and fans. CabFam is real and it has brought us much joy to watch all of you interact with us and each other through out the years. We wouldn’t be able to do what we do without you. So thank you, for being with us through out this journey and evolving with us!We dont know what the future will hold but we fear not the unknown. We will continue to be positive in our actions and hope to share many more memories with you all as time rolls by.With love in the name and power of music,JP, Mick, Pappy, Dylan, Josh and Todd
The new “Disruptive” podcast from the Wyss Institute for Biologically Inspired Engineering at Harvard University explores what motivates researchers and how they envision our future as it might be impacted by their disruptive technologies.In its inaugural episode, “Disruptive” host and 1969 Harvard alumnus Terrence McNally spoke with Wyss core faculty members Pamela Silver and George Church about the changes that can be made to an organism’s genome. Silver and Church explained how, with today’s breakthroughs in technology, such modifications can be conducted more cheaply, efficiently, and effectively than ever before.Researchers around the world are programming microbes to treat wastewater, generate electricity, manufacture jet fuel, create hemoglobin, and fabricate new drugs. What sounds like science fiction to most of us might be a reality in our lifetimes: the ability to build diagnostic tools that live within our bodies, or find ways to eradicate malaria from mosquito lines, or possibly even make genetic improvements in humans that are passed down to future generations.Silver, the Elliott T. and Onie H. Adams Professor of Biochemistry and Systems Biology at Harvard Medical School (HMS), and Church, the Robert Winthrop Professor of Genetics at HMS, also revealed the high-impact benefits of their synthetic biology work, and discussed their careful consideration and prevention of unintended consequences in this new age of genetic engineering.Disruptive: Synthetic Biology | Wyss InstituteThe Wyss Institute’s Pamela Silver and George Church discuss the high-impact benefits of their synthetic biology work, as well as how they manage the potential for unintended consequences.
22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details Thanksgiving is a great time for family, friends, and full bellies. It’s also a great time to be thankful for all we have. In the spirit of thankfulness, here are a few Thanksgiving quotes to make you think (and a couple to make you laugh).“Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude.” – RALPH WALDO EMERSON“Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow.” – MELODY BEATTIE“Thanksgiving, man. Not a good day to be my pants.” – KEVIN JAMES“We must find time to stop and thank the people who make a difference in our lives.” – JOHN F. KENNEDY“When asked if my cup is half-full or half-empty my only response is that I am thankful I have a cup.” – SAM LEFKOWITZ“When I started counting my blessings, my whole life turned around.” – WILLIE NELSON“Small cheer and great welcome makes a merry feast.” – WILLIAM SHAKESPEARE“My cooking is so bad my kids thought Thanksgiving was to commemorate Pearl Harbor.” – PHYLLIS DILLER“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.” – OPRAH WINFREY“Let us remember that, as much has been given us, much will be expected from us, and that true homage comes from the heart as well as from the lips, and shows itself in deeds.” – THEODORE ROOSEVELTHave a Happy Thanksgiving and we’ll see you on Monday!
When IS found out about the violence carried out by his wife, David continued, IS scolded LH and decided to take his daughter, who was showing signs of breathing trouble, outside for fresh air.His daughter, however, died on the way. The parents then allegedly took her body to the cemetery and buried her.David said the police were able to track the case to the parents after a local resident said IS had borrowed his hoe, claiming that he was going to use it to bury a cat.The police have named both LH and IS as suspects in the case.They were charged with violating Article 80 of the 2014 Child Protection Law on child murder, which carries a maximum sentence of 10 years’ imprisonment and a Rp 200 million (US$13,459) fine.The police also accused them of violating Article 388 of the Criminal Code on attempted murder, which carries a maximum sentence of 15 years’ imprisonment. (mfp)Topics : Police then opened an investigation and found that the mother, identified only as LH, 26 and her husband IS, 27 were alleged to be behind the girl’s death.The Lebak Police’s criminal investigation unit head, Adj. Comr. David Adhi Kusuma, said LH had tortured her daughter when she was assisting her with her online schoolwork.“She was frustrated. She felt her daughter was difficult to teach, so she lost control,” David told kompas.com on Monday.LH tortured her daughter, initially by pinching her and hitting her on the head with a broom, David said. The police have arrested a couple in Cijaku district, Lebak, Banten over the death of their 8-year-old daughter, who was allegedly beaten to death by the mother.The incident was discovered after the Cijaku Police received a report from local residents about a suspicious grave that had appeared in Gunung Keneng public cemetery in the district. The grave aroused the suspicion of the residents as there had been no recent information on a death or funeral in the area.When the authorities and residents dug up the grave on Saturday, they found the body of a girl, still fully clothed.