Annual Report to March 2009 Roddons Housing Association Contents Manages nearly 3,800 properties, including 14 sheltered schemes in Cambridgeshire Page: 4

Wherry Housing Association Welcome

Owns and manages over Rockingham Forest 7,000 homes in Norfolk, Suffolk, Lincolnshire and Cambridgeshire Page: 6 Mercian Housing Association Working together with Foreword by Group Chair Owns and manages Rockingham Forest 3,400 properties in the Housing Association to and CEO Greater Birmingham area provide new homes in Northamptonshire Pages: 8 - 10 Key achievements and South Anglia Housing objectives for the year ahead Owns and manages over 7,000 homes across 26 local authorities in Herts, Beds and Essex Page: 11 What are Life Chances? Circle 33 and Old Ford Housing Association Pages: 12 - 23 Life Chances in action

Mole Valley Russet Homes Housing Association Manages over 6,600 Pages: 24 - 25 properties in Kent Manages 3,800 Decent Homes update homes including 17 sheltered schemes in Surrey Pages: 26 - 45 Circle Anglia's group partners

Page: 46 - 47

Circle 33 Old Ford Housing Association Facts and figures 2008/9

Owns over 15,000 homes Manages and owns over across London and in 48 5,000 properties in East London - local authority areas Tower Hamlets and Havering Page: 48 ENFIELD Financial highlights BARNET M HARROW T HARINGEY THA ST REDBRIDGE HAVERING Stock profile ISLINGIS WAL Pages: 52 - 53 FORE BRENT CAMDENC N HACKNEYHA BARKINGBBA & WESTMWES TON NEWHAM DAGENHAMM Governance and Executive HAMMERSMITHHHAHAM GDON KKEN TOWERT EALING & CH INSTE CITYCITC YHHAMLETSHAMLE S HILIN CH R Directors Board SMITH EL K ICH OW BEXLEY H

THWARK TH HAM GREENW HOUNSL WANDSWOR BET SOU RICHMOND LEWIS LAM Areas with Circle Anglia stock MERTON BROMLEY Incoming partner 2009 KINGSTON SUTTON N

YDO CRO

Pictured on front page, young Roddons residents playing basketball Young Russet residents in Garner Drive Welcome

Circle Anglia is one of the UK’s leading locations across the East of England, providers of affordable housing. At the South East and London. time of this report we own over 48,000 Made up of a group of organisations that homes for around 180,000 people across are united by shared values and goals the country. and collective governance, each group Circle Anglia provides a range of member brings something to the table affordable housing choices including in terms of their own strengths and areas general needs and supported housing, of expertise. We achieve ‘So Much More’ along with a range of responsive care, in terms of providing great homes and support and maintenance services. We reliable services, building sustainable also build new homes, including communities in view of enhancing life affordable homes for rent and shared chances, because of our collaborative ownership, together with market rent, group approach. private sale and commercial properties Each and every person that works for which enables us to fund further Circle Anglia has a role to play in the affordable housing programmes. success of the organisation. This year With a dedicated team of over 1,900 we have been working hard to deliver South Anglia residents enjoy a staff, Circle Anglia’s head offices are enhanced life chances to our residents. game at Northfield sheltered based in Norwich and London with Read on to find out more about this on scheme, Puckeridge partner offices in over ten further pages 9 - 21.

Page 4 Commitment to communication Foreword

Circle Anglia is driven by our core A growing business purpose to enhance people’s life We are leaders in stock transfers and chances and to create thriving business growth; and that growth communities. continued this year with tenants in the Financially robust London Borough of Merton voting in favour of transfer to Circle Anglia and Despite challenging economic Mercian Housing Association shareholders conditions, this has been an exciting year in the West Midlands voting to join the for Circle Anglia. We remain financially group too. This will bring our total stock robust and were pleased to secure a to over 60,000 by April 2010. 2008/9 was £275 million bond, assuring that also the first year of the Mole Valley Roger Humber Circle Anglia’s business plan already has Housing Association, Parkside and Chair funding for the next ten years, on current Roddons stock transfers coming through. cost assumptions. As a consequence, we are in a strong position to continue our Enhancing life chances investment into resident services and We are experienced at leveraging scale community initiatives. and delivering efficiencies in a large Developing great homes group. However, it is not size alone that matters to us at Circle Anglia, but rather As a major developer we have built how we use this scale to deliver 1,680 homes in the last year, providing efficiencies and better services that in thousands of people with a new place to turn better support our passion of live. We welcomed the additional grant enhancing life chances. This is our core of £180 million from the Homes and purpose day-in and day-out, for everyone Communities Agency through the single in the business, regardless of where they conversation, which will contribute to sit and what their role is. our delivery of 4,700 new homes over Regenerating communities Mark Rogers the next three years. So, on average we CEO We strive to build sustainable, cohesive will be building five new homes each communities, helping individuals grasp working day, bringing a totally new opportunities and supporting meaning to ‘five a day’. independent living through local Last year we invested millions into the delivery by our partner boards. We have maintenance and improvement of our an enviable track record in extensive homes and remain on track to deliver regeneration projects and improvement all of our Decent Homes targets. works such as those in Holly Street, Hackney, Mardyke, Parkside, Priory Court and Vange, and continue to invest millions into community projects. Page 6 Across all our partners we have delivered on promises made to residents, for example, by putting up a large scale community fund at Roddons to support community initiatives, with the introduction of new local services, and by progressing our Excellent Estates programme. Focused on customer services We are pleased with the results of the Circle 33 short notice inspection, which clearly demonstrates on-going improvements within our customer services across the group. It is with great pride that they achieved an ‘excellent prospects status’, one of the first in the country under the new inspection regime. We have continued our investment in resident involvement and believe that it is one of the reasons for customer satisfaction rising in all partner organisations. Last year we also introduced a Resident And Service Users Panel (RASP), which provides strategic input to the Board. We thank all our stakeholders and partners, who help us every day with our core purpose of enhancing life chances and look forward to another successful year ahead.

Roger Humber Mark Rogers Chair Group CEO

Children playing at Fabrika, Old Ford Page 7 Key achievements

The international economic social housing is high, and will continue environment is the worst many of us to grow, and we remain dedicated to have ever faced and poses serious providing improved life chances to all challenges to all organisations. With the of our residents. current situation believed to be more Despite a turbulent external profound and long-lasting than environment, Circle Anglia has expected, we are living in a period of continued to achieve great things. economic uncertainty. It is more Our key achievements this year include: important than ever to work towards a common goal and to a proactive • Securing the housing sector’s business plan that clearly sets out why largest ever bond at £275 million we exist, what we want to achieve and • Gaining a positive stock transfer how we are going to reach our objectives. vote from the residents of Merton, bringing a further 9,000 homes The global credit squeeze has made into the organisation via newly borrowing more difficult, but we are established Circle Anglia partner, working hard to remain financially Merton Priory Homes robust. We have devised a three year business • The Board of Mercian Housing plan that enables us to adapt and react Association and its shareholders quickly as the financial landscape voted for the Birmingham based A young Vineries resident and continues to change. We have funded organisation to join Circle Anglia, her daughter this plan by securing the housing adding a further 3,400 stock and sector’s largest ever bond and being 100 staff realistic with what we can and want to achieve in the short term. • Gaining unanimous outline planning permission for the masterplan of our We aim to pursue viable growth £80 million regeneration of the opportunities and have adapted our development plans in line with the Mardyke Estate in Rainham, Essex changing housing market. We will • Launch of House Exchange Direct continue to provide additional support further helped social mobility and and services for existing residents and ensured that residents whose also work with other associations and landlords are not signed up to the partnerships to increase the number of service, can also apply for mutual people we can help. The demand for swaps across the country.

Page 8 A resident and his carer at a Circle 33 and EPIC learning disabilities scheme in London ...Achievements continued • Roddons achieved high praise from mock inspectors, who described the • Old Ford’s Construction Training organisation as having the maturity Centre won The Leadership and of an organisation that is four/five People Development Category of the years old despite only being Construction Excellence South East eighteen months old Region Awards in July 2008 • Wherry launched its Greening-the-Box • Circle 33 gained the equivalent of a project, a retro-fitted social house 2 Star rating (excellent prospects) in which aims to free residents from the Audit Commission short notice utility bills via solar panelling and inspection ‘super insulation’ • EPIC achieved a 3 Star excellent Key successes - in a nutsell rating for its Care Services by the Built 1,680 new homes Commission for Quality Care. It also commenced £3.3m worth of new Provided over 6,500 people with contracts in the last financial year a new home Continued to deliver on all transfer promises Meeting all Decent Homes targets Increase in customer satisfaction ratings Won the Stirling Prize for Architecture 2008 from the Royal Institute of British Architects (RIBA) for the Brooklands Avenue development in Cambridge

Page 10 What are Life Chances?

Life chances are the opportunities How is Circle Anglia enhancing each individual has to improve his or life chances? her quality of life and are linked to a person’s social situation. Circle Anglia provides great homes and reliable services, and is building The opportunities refer to how much sustainable communities in the areas in access people have to things like food, which we operate. clothing, shelter, education and health care. The sociologist, Max Weber, Our community development activities identified three elements which are key to enhancing life chances. Our determine a person’s life chances; themes for investment are based on our economic factors, status and power. sustainable communities strategy, which Circle Anglia is committed to enhancing looks at children and young people, ‘life chances’. We aim to provide safer and stronger communities, facilities, training and education, safe economic and environmental and health environments and sustainable housing and older people. to all our residents. There are so many examples of where Circle Anglia has helped someone reach their potential or changed someone’s life by providing them with the services and support they need at that time. In April this year, Circle Anglia held a Life Chances event at the House of Lords aimed at raising the profile of such work. It was a great opportunity to share best practice across partner organisations and celebrate achievements so far. On the following pages are just a few examples of the life chances work that has been happening this year across Circle Anglia.

Page 11 Life Chances in action

Life Chances - Life Chances - community working constructing careers Community spirit is alive and well Building stronger futures “South Anglia has been holding its Mo Ceesay, pictured right, was working annual Community Spirit events for in a gym when he learned about the five years now and the response we get construction training course run by never fails to amaze me” says Caroline Old Ford Housing Association. Kaldani, head of community development He signed up and now works for at South Anglia Housing. “Last year we Old Ford helping to teach other had a record number of nominations. youngsters on the course as a It just goes to show that there are lots construction workshop technician. Mo, of neighbourly, community minded aged 22, was really impressed with the people out there.” range of different practical skills taught Community spirit is alive and Residents are encouraged to nominate by the construction training centre. well in South Anglia neighbours and those that work in their He said: “This is a great course for giving communities for a range of awards a good overview so trainees can try lots including Community Champion, Young of different things and then decide how Achiever and Outstanding Neighbour. they want to progress their career. There Shaun from Bishops Stortford won the is a chance to get work experience and Inspiring Personality Award last year for qualifications. I would recommend the being “a true hero of our time”. Shaun course.” had his leg partially amputated five years Construction Training Centre tutor Leon ago due to an accident when he was Freestone said:” I am really pleased with helping a rail passenger who was how this has worked out. Mo showed trapped. He plays an active role in the such maturity during his time as a Disability Action Group and has been an trainee on the course and because of inspiration to his community. this I felt he would be able to provide “Encouraging people to recognise and good clear information to the new crop reward community spirit has motivated of young trainees to follow.” more residents to get involved with their local communities” continues Caroline.

Invicta customer, Hayley Dougherty

Page 12 Mo Ceesay at Old Ford's Construction Training Centre in Bow Life Chances Life Chances - independent living One of the residents is Peter, pictured right. He is thrilled that he is now living Living independently “The pilot has been in his own home. With support from a great success - one of A new initiative between Invicta Telecare his support officer, Peter is enjoying and Kent Adult Social Services has learning to cook and does his own the residents has made enabled six adults with learning ironing. For the first time he has such progress he has difficulties to move into their own home responsibilities like keeping his room now moved out into at two locations in Tonbridge. tidy and cleaning up after himself. a home of his own.” Sonia Hicks, Invicta Telecare’s Care and “We initially provided many hours of Support Director said: “When the houses support, helping the residents to set up became vacant they provided the home and learn essential everyday skills perfect location to offer supported living to move onto living independently” Staff at EPIC's accommodation to adults with a continued Sonia. Alone in London offices learning disability.” The project quickly demonstrated the positive impact independent living is having on the residents. Installing telecare equipment throughout the house has been instrumental in giving the residents the self-esteem and confidence to take the first steps to living a more fulfilled and independent life. Sonia continued: “The project has been a great success - one of the residents has made such progress he has now moved out into a home of his own.”

Right: Tonbridge residents get a taste of independent living thanks to Invicta Page 14

Life Chances Life Chances - young people I have always been very independent, but at the same time very stubborn, The Vineries, in Dagenham, is one of so I argued with my family to the extent “They help with Circle Anglia’s independent living that I couldn’t live with them anymore. guiding you from centres and provides accommodation teenager to adult.” and support to young people aged “It took me a little while to settle in to 16 -25 who are statutorily homeless. the Vineries but I soon started to make The scheme also includes a mother and friends and became comfortable and baby unit which provides support with confident. parenting skills. “Throughout my stay I had Key Working Growing up at the Vineries sessions every two weeks. At first I thought these were an inconvenience “My name is Francis and I moved into but I slowly realised that without them the Vineries in 2007 aged 16. I was I probably wouldn’t have survived. They frightened and paranoid but also Vineries resident Francis and help with guiding you from teenager to Project Manager, Annita Barker delighted. adult. You get help with budgeting plans, college applications, emotional support, sex advice - all aimed at guiding you onto the right path in life. “I was also a resident rep at the Vineries, which I thoroughly enjoyed. I helped arrange resident meetings, chaired meetings and organised resident outings. There are many other things that service users can get involved with, such as attending board meetings with Circle Anglia, becoming a board member, mystery shopping and voluntary work. “I faced some tough times whilst at the Vineries, but I also had some of the best times of my life there. I met people I will never forget and learnt about different cultures, foods and religions. No matter where I end up in the future I will always miss the Vineries, it was my first independent home.”

Page 16 Life Chances - going green Greening-the-Box Wherry Housing’s retro-fitted 1920’s house in Norfolk has solar panelling Wherry is Greening-the-Box and ‘super insulation’, so it can use 80% in Norfolk less energy than an equivalent home. This means residents won’t pay much of a fuel bill during the summer months. Unlike the average three bedroom property which uses 5m tonnes of C02 every year, its designers predict just 1m tonnes per year of C02 will be emitted. The property is believed to be the first of its kind in the UK. The family have moved in for the three year study from their home right next door. They will notice little difference in their day-to-day living except the reduced cost of their heating bills. “With fuel poverty affecting so many people in the UK, we wanted to demonstrate that simple solutions can radically reduce and even eradicate fuel bills. We hope this project demonstrates that you can go green and save money” said Mark Jones, managing director of Wherry Housing Association. ‘Greening-the-Box’ (GTB) adapts existing buildings to become fit for a low carbon future by SEArch (Sustainable Ecological Architecture Ltd), and has been adopted by Wherry Housing Association in partnership with Broadland District Council. This is an example of retro-fit and will help drive down Circle Anglia’s carbon footprint at the same time as reducing the living costs of its tenants.

Page 17 Life Chances - social mobility Swapping homes Being unable to move from a house that you have either outgrown, is too big for you, or is no longer where you want to be can be frustrating. Three women all found the home of their dreams when they registered on Circle Anglia’s House Exchange via their landlords, Wherry, Broadland Housing Association and Norwich City Council. House Exchange is a not for profit service offered to all UK social landlords to help residents swap homes. Lulu wished for a bigger garden for her children. Madeleine, pictured left, longed for city living. Glenda wanted to move nearer to her family. The women found one another and undertook a three way swap using House Exchange. All three housing providers worked together to move the three families within eight weeks, quicker than a standard house move. Madeleine said; “I love living in the city as there are so many more job opportunities. I also love the fact that I'm close to lots of shops and my sister.” Glenda said: “It was an easy swap and I love where I live now. Where I lived before there were no shops nearby and I had to rely on the bus, as I cannot drive. Now I can walk into town and do my shopping without having to rely on Madeleine and her two daughters - anyone.” happy with House Exchange

Page 18 Life Chances - Eco-living in Norwich getting on the housing ladder Rebecca, Aidan and their two young Circle Anglia understands that the children moved into their new home current market has made it even harder in Munnings Way, Norwich, in June this for people wanting to get a foot on the year. They were able to buy a stake in housing ladder. With banks asking for their house via the New Build HomeBuy increasingly large deposits and house scheme. The homes on Munnings Road prices remaining relatively high in are the first shared ownership homes certain areas, for many people, in the UK to offer such high eco homeownership is way out of reach. specification, meaning residents can reduce their carbon footprint and save Each year Circle Anglia develops new cash during these tough times. properties that are available to purchase through the New Build HomeBuy “We bought the house fully carpeted scheme, designed to help people buy and the garden was all turfed with nice a home in stages. Anyone unable to plants as well, it was just perfect to buy outright on the open market can move into” says Rebecca, pictured right. apply although priority is given to “The bonus is that as the house has solar existing local authority or housing panels to heat our water, our bills are association tenants, people on a local cheaper. The heating has been designed authority housing waiting lists or key so that it stores the heat at night, and workers such as qualified teachers, releases it during the day. We also have nurses or police officers. water butts to collect rainwater for the garden and we have a compost bin and Circle Anglia sells New Build HomeBuy bike storage. properties as a charitable activity so all sales must be in line with guidance on “We are so happy here; we have our own what is considered a charitable activity. home in a lovely community and we are also doing our bit to be green!” The credit crunch has led to a marked increase in the number of sales of our shared ownership properties in the past year. We are continuing to develop and offer new ways to enable people to buy their first home. Here are just a few people we have helped make that Rebecca - eco living in Norwich first step.

Page 19 Life chances Life Chances - new futures desperate to stay in the locality to be in Fenland close to his children, but getting on the “When the homes in housing ladder seemed out of reach. As the first shared ownership homes to Finkle Court became be delivered in Fenland following the “When the homes in Finkle Court available I was thrilled. launch of Roddons Housing Association, became available I was thrilled. They are so modern and spacious for new homes They are so modern Finkle Court was part of Circle Anglia’s commitment to making more that I thought they may be out of my and spacious for affordable homes available to the price range. I was really surprised to find new homes” local community. that I could get back onto the housing ladder. More than that, my new home Paul Fountain, pictured left, is a local means I can have my children over as Fenland resident. When he separated there is plenty of room and a garden. from his wife recently he couldn’t afford The rural location really suits me, it is to buy a home outright. He was perfect.”

Roddons resident, Paul Fountain - on the housing ladder thanks to Circle Anglia

Page 20 Life Chances - great staff, partner organisations, three years ago great service and is now an Advice and Guidance Worker for the organisation. She has To be a great organisation you need recently been awarded the Advice and great people, and Circle Anglia is Guidance NVQ level 13 qualification, dedicated to providing the very best funded by Old Ford, and is now studying opportunities to staff to get the very towards the level 14 qualification. best out of each and every person. She is adamant that without the Circle Anglia offers great benefits, volunteering opportunities that Old Ford plenty of opportunity for learning and has offered her, she would not have development, and flexible working hours been able to get the experience needed to achieve a healthy work-life balance. to do the job she wanted to do. We are also an accredited Investor in People. “It has just been amazing and I cannot say enough good things about the Volunteering for a career chances I have been given by Old Ford. In addition, Circle Anglia is devoted to I learnt so much in my time as a offering employment opportunities to volunteer and it enabled me to progress local residents. Amina Begum, pictured to become a full time employee. I love Amina Begum right speaking at the Circle Anglia Life my job and I love being part of an Chances event held at the House of organisation that makes such a Lords, lives in Bow. She started working difference to people’s lives.” as a volunteer at Old Ford Housing Association, one of Circle Anglia’s

Skilled staff provide great customer service

Page 21 Life chances Life Chances - developing people Managing success Recruiting good staff is one thing, but Managers are at the heart of our “I am delighted with holding on to them and making sure business; they manage their teams to the opportunities they reach their full potential is another deliver a great service to our customers. I have been presented matter entirely - and one Circle Anglia With this in mind, Circle Anglia has with at Circle Anglia.” is proud to embrace. developed a successful, internally Angela Firman, pictured top left, has delivered course aimed at developing its worked for the organisation for seven managers. The Circle Anglia years. She was an integral part of Anglia Management Development Programme Housing before the inception of Circle culminates with an internationally Anglia in 2005, and has been an recognised management qualification important part of the Company from the Institute of Leadership and Secretariat team at Circle Anglia since. Management. Having worked as Deputy Group Ivanna Roberts-Cillia, Head of Housing Secretary for three years, this year at Russet Homes, undertook the training Angela was appointed as Group last year. She said; “I have been in Company Secretary, heading up the housing for many years and I would Company Secretariat team and say this has been the most valuable strategically managing the governance qualification I have obtained as it has for the group. “We advertised the job helped me grow as a person. externally and internally and Angela was “I genuinely feel I am a more effective by far the best candidate. It is great that manager now as this programme we have people within the organisation enabled me to focus on my existing skills that have worked hard and developed and formulate them more coherently Angela Firman steadily and have been given the within my mind. It gave me the opportunities to progress their career opportunity to reflect upon my skills within the group” says Kai Boschmann, and enhance and learn new processes. Executive Director (Communications) “There was a good deal of support for at Circle Anglia. the programme by senior staff with “I am delighted with the opportunities members of EDB, including CEO Mark I have been presented with at Rogers, attending sessions. This is pretty Circle Anglia. The group is ever changing impressive given time constraints on and growing, which presents new people and emphasised the importance prospects for career progression and of the programme and the commitment the chance to learn new skills and to its success.” experience new situations” said Angela.

Ivanna Roberts-Cillia

Page 22 Circle Anglia knows the value of good staff - team working at Mole Valley Decent Homes

Circle Anglia is forging ahead with its On top of this commitment to update Decent Homes programme and is homes as needed, we are striving to hopeful that it will have every one of its ensure that our contractors deliver the homes up to the required standard by work on budget and to target, making the TSA target date of December 2010. sure that residents are left with a This is with the exception of Parkside positive experience following the work and MVHA that have both been given being undertaken. This means making an extension until 2012. convenient appointments, showing up Our residents are given an unrivalled at the correct time to the correct choice when we replace their bathrooms appointments and delivering a and kitchens. We understand that each professional, proficient and effective home is different and one size simply service. does not fit all. We have adopted a It has been a tough year financially and ‘standard’ that has been developed in we are aware that fuel poverty affects consultation with residents meaning our many of our residents. Improving our residents have a wide variety of fixtures, homes will mean we can also help lower Decent Homes work in Old Ford fitting and finishes to choose from. fuel bills by improving insulation and replacing windows. We are also looking at alternative heating options, especially important for our rural homes. Ground and air source pumps are being tested along side initiatives such as Greening- The-Box, which is looking at eliminating fuel bills entirely. Circle Anglia is also installing top rated energy efficient boilers as standard across the group. We have invested millions of pounds into maintaining and improving our homes, we have re-tendered our contracting work in order to get the very best value for money. We have streamlined performance by setting clear targets and definite deadlines for the work to be completed.

Page 24 Life Chances - Decent Homes as she had an over-the-bath shower Life chances fitted as part of her new bathroom. Roddons’ priority is to get all of its homes up to the Government’s Decent “Because I am disabled, I had trouble “I am very Homes Standard by December 2010. using the bath and this shower is pleased This year, 1,100 more homes will be excellent, I am very pleased, it has with the made all the difference,” she said. improved to meet this deadline. Work new, modern planned includes improving kitchens Jane, who has lived in the property for and bathrooms, electrical upgrades, a year, also had a new kitchen fitted as kitchen” heating and boiler replacements, and part of the Decent Home work and said roof, door and window replacements. the refurbishment was completed by 40 year old mum-of-four and Roddons Apollo without much disruption. “I am resident, Jane, suffers from arthritis. She very pleased with the new, modern Residents across the group has every reason to be delighted with kitchen. It was all done with minimal have been over the moon with improvements to her home in Whittlesey disruption, which is great.” updates to their homes

PPPPage 25 The facts Circle Anglia partners

Circle 33 Housing Trust Circle 33 Housing Trust Circle 33's new Housing Options and Advice Service was launched this year owns 15,603 homes in It’s been another year of progress for with big benefits for those who are and around London and Circle 33. It scored two stars overall, severely overcrowded or need a smaller with excellent prospects for is the largest partner in home. It has also received money from improvement in its Audit Commission the group. the Mayor's Fund to help de-convert inspection and improved customer small flats back into large family homes. satisfaction with repairs from 81% to 86%. Nine out of ten repairs are now Resident involvement has continued to fixed in a single visit. contribute to improved services. In the last year, 1,424 residents have been Circle 33 has replaced under-performing involved with shaping how the relationships with contractors with new, organisation is run. Circle 33 will more effective ones and its collaboration continue to tailor its services to meet with outside agencies is paying dividends. the needs of individuals, for example These partnerships will continue to our senior residents, and those who do shape the future of Circle 33 and the not have English as a first language. organisation has set itself a number of This year, Circle 33 has laid solid important goals to achieve in the next foundations to continue the great year. It will be setting out clear service progress already made. standards for its planned maintenance programme.

Circle 33 resident, Debbie Thorpe, in her new kitchen

Page 26 Youngsters at Priory Court, Walthamstow The facts Commerical Services It has enjoyed a good year for sales. By Circle Anglia marketing our schemes well, even more Commercial Services people were able to find out about It has been a year of growth and change Circle Anglia is the shared ownership and get their foot on for Commercial Services Circle Anglia the housing ladder, even with mortgages group’s commercial (CSCA). This has been aided by the input being thin on the ground. partner and currently of residents and the recruitment of new staff. The focus has been firmly on high In the year ahead, CSCA is planning to manages 6,000 homes. quality, local service. The biggest reap the benefits of the increased It handles the sales and achievement is that this has been done involvement of its residents. Many marketing of New Build within existing budgets, finding residents are already noticing a internal savings to cover the costs. difference with more permanent staff HomeBuy and private in place and a renewed attitude to Key Performance Indicators, compliments improving services. sales schemes through and customer satisfaction ratings have Your Lifespace. all moved in the right direction. The www.yourlifespace.org Circle Anglia Residents and Service Users Panel (RASP) now includes leaseholder representatives. It feeds ideas and opinions directly to the Circle Anglia board, which means residents are at the Right: Circle Anglia shared heart of what happens. ownership flats in Royal Victoria Docks

Shared owner, Monika Owalabi

Page 28

The facts EPIC Trust It has also continued to grow and secure major new contracts over the year. For EPIC, the last year has been about EPIC Trust, the group’s preparing for future changes. The EPIC has taken over responsibility for specialist care and Government is changing the way that seven schemes for people with learning support partner, services are funded and the priority is disabilities in the Camden area this year, to understand the new funding as well as being part of the Richmond supports around 7,000 agendas and to make sure that EPIC Fellowship consortium’s successful people with a wide offers the relevant support. tender for mental health support in Haringey. The Islington Families project range of needs. EPIC has continued to advance its got off to an excellent start this year. services. Its recent inspection by the It is already up to full capacity with 200 Commission for Quality Care saw it An EPIC carer with a families taking part. resident at a Circle 33 achieve a 3 Star ‘Excellent’ rating, which learning disabilities scheme is a praiseworthy achievement. Alone in London continues to promote its work and build its profile with service users and partners. EPIC has spent a lot of time this year consulting with customers and encouraging them to get involved. It has established a number of groups to obtain feedback, and to identify ways in which it can improve. Looking forward to the coming year, EPIC will be preparing the organisation, our services users and staff for the funding changes. It will also be working closely with seventeen local authorities to evolve EPIC’s day-to-day activities to embrace the new ways of working.

Page 30 Clip from 'Behind Closed Doors', a ground breaking educational DVD produced by Alone in London The facts Invicta Telecare Invicta has also continued to grow, launching new services, such as the Invicta Telecare has made Questback telephone-based survey Invicta Telecare was improvements in customer satisfaction and formed new partnerships with a subsidiary of throughout the business, added new organisations such as SAGA and Chubb. Russet Homes and partnerships and services and carried out a record number of adaptations of Looking into the future, there will be joined Circle Anglia in properties. key challenges via changes in funding October 2007. It is the structures and the personalisation In a recent survey 99.2% of Invicta’s agenda. These will have a significant largest independent customers said that they were either impact on the way Invicta delivers its satisfied or very satisfied with their provider of telecare services, but it is already looking to support service. Another key services in the UK, and develop ways to work with corporate achievement was passing the Telecare customers to continue to provide has 300 experienced Services Association's (TSA's) stringent effective services for clients. staff offering 24 hours audit for the seventh year running. a day telecare and There has been consistent improvement housing support of monitoring response times, which have risen from 87.7% in under 30 services to over 95,000 seconds and 96.8% in less than 60 people across England. seconds at the beginning of the year, Invicta Telecare delivers to 93.8% and 98% - well above the peace of mind and existing recommended target. This means Invicta is already well placed to reassurance, helping achieve the new, more stringent, targets people to remain living set for 2009 TSA Code of Practice. independently in their own homes.

Invicta staff at Basted House

Page 32 Georgina Jeffrey is delighted with her instant response alarm from Invicta The facts Mole Valley Housing Association MVHA’s new in-house Repairs Team will further improve the speed and Mole Valley Housing Association convenience of maintenance work. Mole Valley Housing (MVHA) has continued to build on solid Association was formed foundations this year. It has overcome MVHA is now settled into its new offices in 2007 following a number of huge challenges including at Regents House, Dorking. As well as undertaking a massive programme of providing a permanent base for its staff, a stock transfer from property improvements and upping its these new offices also offer more Mole Valley District repairs performance. opportunities for resident involvement with a dedicated resident resource Council. Based in Many of these projects are now centre. 1,200 residents have got involved complete and resident satisfaction is Dorking, Mole Valley in various ways in the last year and growing steadily. In the last year it has Housing Association helped MVHA to tailor its services to completed over 2,000 improvements meet residents’ priorities. Resident owns and manages for residents. During 2008/09 our groups have played an active role in the 3,800 homes, contractors, Mears, Apollo and United recruitment of new members of staff House, completed: including 17 sheltered and the selection of contractors. • 444 new kitchens housing schemes. The organisation has confirmed its • 576 new bathrooms commitment to developing more • 39 electrical rewires affordable homes with the completion of Clifton Heights in Dorking which • 594 electrical upgrades New development, includes seven shared ownership Clifton Heights, Dorking • 402 heating installations properties. Construction of 18 new homes is underway in Capel and planning permission for conversion of the old Dorking Fire Station is approved. In the year ahead, as a stock transfer, MVHA is confident it will continue to deliver its promises to residents.

Page 34 Meeting residents in Mole Valley The facts Roddons Housing Association The organisation has also been moving and growing. It opened its new offices Roddons focus has been firmly on and set up of a new customer services Roddons Housing improving services and delivering on centre. It has a dedicated resident Association was the promises it made upon transfer this resource centre too. formed in 2007 year. It has been a year to remember; with the launch of the Community Roddons may be in the enviable following the Fund, the creation of the Tenant position of being ahead of many of its transfer of Advisory Groups (TAGs) and the targets but it will not be sitting back 3,754 homes completion of our first new-build and resting over the next year. It is from Fenland homes and their new occupants dedicated to ensuring its service delivery moving in. is friendly, responsive and right first time. District Council and This includes dealing with telephone Its Decent Homes project is running enquiries, direct contact with our staff is based in March, ahead of schedule, carrying out more and the DLO workforce. Cambridgeshire. improvements than originally planned within the timespan, and within budget. It is committed to delivering its promises In the last year it has updated and and the Roddons team is 100% improved 1,168 properties, installing: committed to achieving these objectives. • 650 kitchens Roddons fully intends to make the coming year another one to remember. • 355 bathrooms • 311 boilers • 112 central heating systems • 181 fences • 143 parking spaces Roddons team on the road • five offstreet parking schemes

Page 36 Kids Club in Tydd St Giles which received Community Funding from Roddons The facts Russet Homes efficient central heating boilers to reduce fuel bills and help conserve fossil 2008/9 was Russet’s first full year of fuels. It has spent a further £2.5 million Russet Homes was being part of Circle Anglia. Although on improving facilities and investing in created in January 1991, the change won’t have been noticed by living environments, as well as installing many residents, as we have carried on following the purchase another 2,000 smoke detectors. our work with the same approach and of housing stock owned values as before, joining the group has This year, Russet has further by Tonbridge & Malling enabled Russet to grow and develop. demonstrated its commitment to working with local people. It launched Borough Council, and Russet has completed its developments the Good Neighbour Awards, offered in Tonbridge and West Malling, offering was one of the first free fire and home safety training new affordable properties for local Large Scale Voluntary sessions, helped fund community people. In addition, it has started work schemes and appointed a Welfare Transfer (LSVT) Housing on further new homes in Dartford, Benefits Officer who is helping to Associations. Russet Maidstone and Medway, working in ensure that tenants get what they partnership with the local authorities Homes owns and are entitled to. in those areas. manages over 6,600 Determined to continue with its ‘can do’ Investment continues in Russet’s existing culture and keep its reputation of properties. homes and the organisation has spent focusing on the things that really matter, over £9 million on maintenance and Russet aims to enhance life chances for improvements. This includes new even more residents in the year ahead. kitchens and bathrooms, and more

Russet Homes

Page 38 Russet residents enjoy art at Frome Court The facts Old Ford Housing Association Community remains a focal point for Old Ford and last year saw the launch It has been a busy year at Old Ford of Old Ford’s Guide to Community Old Ford Housing Housing Association. Association was formed Cohesion at the House of Lords. Appointing Apollo and Mears has been The guide is a toolkit for promoting in 1998 and owns a huge step forward and enabled the community cohesion and is an example around 5,000 properties organisation to upgrade 420 properties of best practice that other organisations in and around East under its Decent Homes and can use to bring communities together. refurbishment programme. London. Old Ford has also been focusing on anti- This summer the first group of Mardyke social behaviour. Tower Hamlets Council residents have moved into their and the Bow Safer Neighbourhoods temporary accommodation and the Team worked with Old Ford and the first phase demolition will take place community earlier this year to gain the this autumn. Residents have made key country’s first Premises Closure Order. decisions on how the new estate will Trainees at its Construction Training look, the layout of the homes, and Centre and young entrepreneurs at deciding on kitchen and bathroom Furniture on the Street were picked out finishes. The estate was also given a as contenders in national awards, and Old Ford's Lefevre Park new name, Village Orchard. the organisation had numerous visits from VIPs who wanted to know more about Old Ford’s laudable achievements. Next year will be another busy year and there is still much to do. Increased effort will continue to be put into asking residents where they would like to see service improvements via doorknocking, resident groups and mystery shopping, Old Ford is hoping to build on a very successful, award winning, twelve months.

Page 40 Youngsters learn music skills at Eastside Youth Centre The facts South Anglia Housing South Anglia’s Doorstep Challenge vehicle has been out on the road visiting A lot of progress has been made in the residents across the association. Already South Anglia Housing last year at South Anglia. Increased hundreds of residents have been aboard manages around 7,000 feedback from residents is having a to meet the team. The bus enables positive effect and it has been able to homes in over South Anglia to offer residents all the focus on important priorities and bring same services on four wheels as it has in 26 local authority about improvements. areas throughout its offices, including advice and training. One in four South Anglia Housing Feedback from residents has been Essex, Hertfordshire residents completed this year’s Have positive, so the plan is to build on this and Bedfordshire. Your Say questionnaire, providing the in the coming year. organisation with a wealth of new ideas. Building and refurbishment works The coming year will be dedicated to continue apace, particularly the Vision responding to these suggestions and for Vange project and our work on developing a programme of activity. Excellent Estates. South Anglia’s reactive repairs service South Anglia is strengthening the has come a long way in the last twelve support it offers to help people manage months. Resident satisfaction with it’s their money, through dedicated repairs service needed improvement specialist advice from the Citizens and, determined to improve, the service Advice Bureau, and by supporting the with its contractor was reviewed and big Herts Credit Union. The popular Fresh changes were made. The latest survey Start Project is also set to return in the said that tenants' satisfaction with the coming months, helping people get repairs service is now 91.1%. But the Staff meet residents in back into work. Bishops Stortford work has not stopped there. Resident satisfaction with South Anglia’s landlord services has increased to 78.4%, which is a definite step in the right direction. South Anglia’s work over the next year will build on this and with increased involvement from residents should help to make the year ahead even more successful.

Right: Neighbourhood Officer, Sarah Cain and South Anglia residents in their award winning garden

Page 42

The facts Wherry Housing Association One of the outcomes of listening to residents has been the introduction of This year’s focus has been on involving evening and Saturday morning repair Wherry Housing and listening to the residents. After appointments to help those residents Association was launching its resident involvement who are not available during the week. formed in 1990 and agreement in September 2008, it has been busy putting those commitments To aid financial inclusion, Wherry’s currently owns around into action. Income Team has been working in 7,000 properties across partnership with the local CAB to Over the last year, Wherry has held develop a sector leading advice service Norfolk, Suffolk and eleven community events, attended by to residents. Almost 200 Wherry over 700 residents, to sample views Cambridgeshire. residents have benefited from the advice about services and get an insight into service and there was a 90% reduction in resident priorities. possession orders among those that It has also introduced eleven Patch have used it. Wherry has achieved an Panels, made up of residents that focus impressive success rate that is higher on local issues, which are already than the CAB’s. improving local neighbourhoods. Other highlights have included the The new landlord wide resident group, launch of ‘Greening-the-Box’, which Young Wherry residents at Way Ahead with Wherry is also helping further demonstrated Wherry’s a recent Fun Day event shape services. commitment to tackling rural fuel poverty. In addition, the Wherry Mow and Grow scheme has been set up to provide affordable gardening services to vulnerable residents and those unable to look after their own gardens. Wherry Mow and Grow also offers training and qualifications to those wanting to pursue a career in horticulture. Wherry believes that residents need more than decent homes and deserve more than excellent services. Residents want safe, attractive neighbourhoods and communities. Building on strong foundations, Wherry is working in partnership with local agencies and stakeholders to deliver this vision.

Page 44 Wherry Housing Association’s Mow and Grow team Facts and figures 2008/9

Properties managed

Circle 33 Old Ford South Anglia Wherry Roddons MVHA Russet No. No. No. No. No. No. No. General needs 8,206 3,624 5,714 5,742 3,248 2,944 6,204 Supported Housing and Housing for older people 1,399 94 689 748 481 549 322

Performance Circle 33 Old Ford South Anglia Wherry Roddons MVHA Russet Rent collected as % of rent due 99.80% 99.40% 100.40% 99.80% 99.70% 101.20% 100.20% Current residents arrears as % of rent roll 43.0% 4.60% 4.7% 3.80% 4.20% 3.80% 1.70% Average weekly gross rent £92.97 £89.12 £85.53 £72.06 £65.87 £79.88 £86.31 Average re-let turnaround times* 80.7 31.9 52.5 31.5 38.6 67.5 29.0 Dwellings vacant and available for let 1.83% 5.83% 2.01% 1.36% 1.52% 1.60% 0.75% Emergency repairs completed in target 91.00% 95.50% 87.40% 89.20% 92.30% 97.40% 98.50% Urgent repairs completed in target 92.50% 91.40% 94.00% 89.80% 92.50% 98.50% 97.60% Routine repairs completed in target 88.40% 85.40% 94.20% 90.40% 91.70% 98.90% 98.90% Average SAP rating* 71 78 74 69 70 63 65.2 Homes failing Decent Homes Standard* 6.49% 10.84% 12.05% 9.59% 7.01% 12.20% 0.23% Residents satisfied with overall service* 69.00% 60.00% 67.00% 76.00% 82.00% 78.00% 90.00% Homes with a valid gas safety certificate 99.0% 99.2% 99.3% 100% 99.5% 99.1% 99.6%

Circle Anglia’s management stock profile at 31 March 2009 2009 2008 2007 2006 Social housing rented 41,022 40,552 25,117 24,565 Shared ownership 2,830 2,221 1,633 1,298 Keyworker 250 221 - 236 Leasehold 2,565 2,372 791 540 Staff accomodation 34 28 - - Non-social rented 775 625 287 125 Other non-social 248 244 111 115 Garages 1,541 1,541 - -

Total stock owned 49,625 47,804 27,939 26,910 Accommodation managed on behalf of others 199 465 1,021 7,779 Less stock owned but not managed (4,687) (4,035) (1,135) (1,057)

Total stock managed 44,777 44,234 27,825 33,632 The reduction in 2006/7 resulted from the expiry of a management contract with Lewisham Council. Page 46 * These figures are published in response to Tenant Services Authority (TSA) requirements. Who we house

South Circle 33 Old Ford Anglia Wherry Roddons MVHA Russet White British 36.6% 36.9% 87.2% 89.2% 94.8% 95.5% 94.3% White Irish 3.7% 1.8% 0.9% 0.3% 0.0% 0.0% 1.1% White other 6.9% 7.2% 2.4% 5.1% 4.8% 1.1% 1.2% Mixed 9.7% 5.4% 3.2% 3.2% 0.0% 0.6% 1.3% Asian 6.9% 29.7% 1.9% 0.7% 0.0% 0.9% 0.9% Black 34.3% 17.1% 3.0% 1.2% 0.0% 0.9% 0.6% Chinese or other 1.4% 1.8% 0.0% 0.3% 0.5% 0.6% 0.6% Chose not to say 0.5% 0.0% 1.3% 0.0% 0.0% 1.1% 0.0% Total 100% 100% 100% 100% 100% 100% 100%

Service users (EPIC Trust) Invicta Telecare Elders 2,315 Social alarm & Telecare calls received 1,209,000 Elders – extra care 0 Out of hours repairs calls received 113,770 Young people 44 Service Users: Independent Living Centres Elderly 1,870 (young people) 100 Tenancy sustainment 200 Alone in London* Substance misuse 66 Tenancy sustainment 975 Learning disability 7 Mental health 88 Users satisfied with: Residential care 0 Housing support service 99.2% Learning disabilities 69 Users satisfied with Telecare service 96.2% Alarm only services 1,734 Total 5,325 Total units for rent (sheltered) 2,188 Commercial and Leasehold Services Supported Housing Department 1,355 Reactive repairs: Total 3,543 Homes with a valid gas safety certificate 99.31% Home ownership performance: Who we employ Shared ownership staircasings 28 White British 52.9% Right to buy completions 13 White Irish 1.4% Right to acquire completions 7 White Other 5.8% Social homebuy completions 0 Mixed 2.3% Income performance: Asian 5% Income collection (overall) 99.0% Black 12.4% Chinese Other 0.3% Choose not to say 19.2% Total 99.3%

* Altogether, 4,142 people benefitted from Alone in London's support last year. Of these, 2,825 were young people and 1,317 were their parents or guardians. A further breakdown of the 2,825 reveals that 2,123 were young people advised ad helped by our crisis support officers and 702 were pupils benefiting from our involvement in their Page 47 Personal Health and Social Education subject as part of our schools based prevention work. Financial highlights

Group income and expenditure account

2009 2008 Restated £million £million Turnover 259.2 205.2 Less: share of joint ventures turnover (5.1) - Group turnover 254.1 205.2

Cost of sales (27.5) (23.8) Operating costs (188.3) (132.6) Operating surplus 38.3 48.8

Share of operating surplus/(deficit) of joint ventures (0.9) - Surplus on sales of assets 5.6 29.6 Negative goodwill amortisation 2.3 0.9 Net interest charge (56.1) (52.1) Taxation (0.1) 0.8 (Deficit)/surplus after taxation for the year (10.9) 28.0 Minority interests - - (Deficit)/surplus for the year after minority interests (10.9) 28.0

Group income Group expenditure

£million £million Social housing lettings 194.1 Social housing lettings 160.4 General needs 165.9 General needs 138.0 Supported housing 18.0 Supported housing 12.3 Temporary social housing 2.6 Temporary social housing 4.1 Shared ownership 6.8 Shared ownership 5.0 Lease 0.8 Lease 1.0

Other income 60.0 Expenditure re other income 55.4 First tranche sales 27.0 First tranche sales 22.5 Supporting people 19.8 Supporting people 19.8 Management services 0.6 Management services 3.2 Community regeneration 0.7 Community regeneration 2.0 Non-social housing lettings 4.3 Non-social housing lettings 1.5 Other 7.6 Other 6.4

Page 48 MVHA sheltered resident taking part in arts and crafts at Southey Court, Bookham Consolidation balance sheet

2009 2008 Restated £million £million Tangible fixed assets Housing properties at valuation 2,054.7 1,690.0 Other tangible fixed assets 47.0 21.0 Investments 6.7 6.1 Share of joint venture assets less liabilities (1.9) (1.0) 2,106.5 1,716.1 Current assets 162.9 119.5 Creditors: amounts falling due within one year (123.2) (643.2) Net current assets ( liabilities) 39.7 (523.7) Debtors: due after one year 140.1 163.5 Total assets less current liabilities 2,286.3 1,355.9

Creditors: due after one year 1,551.5 767.0 Other long term liabilities 12.1 4.9

Capital and reserves: Non-equity share capital - - Designated reserve 7.7 5.9 Revenue reserve 131.0 148.5 Revaluation reserve 358.5 202.7 Goodwill 224.6 226.9 Minority interests 0.9 - 2,286.3 1,355.9

Source of funds Application of funds £million £million Social housing lettings 194.1 Management and operating costs 72.4 Supporting people income 19.8 Routine maintenance 41.0 First tranche 27.0 Planned maintenance 17.9 Non-social housing 4.3 First tranche 22.5 Working capital movements 0.2 Social housing other costs 13.8 Other services income 8.9 Supporting people contract costs 19.8 Social housing grants 37.4 Non-social housing costs 1.5 Sales of housing properties 25.7 Other costs 8.4 Reduction in cash reserves Net interest paid 65.8 and investments (21.5) Corporation tax 1.1 Increase in loans 263.7 Construction of housing properties 270.9 Share issue to minority interests 0.9 Purchase of other fixed assets 28.8

Page 50 Invicta customer, Moira Governance

Management Board Robert Burgin Independent member Alan Catterick Group Partner member Jane Clarkson Independent member Murray Foster Group Partner member Roger Humber (Chair) Independent member Baroness Maggie Jones Group Partner member Nicola Lucking Group Partner member Mark Rogers Group Chief Executive Martin Shaw OBE Independent member Michael Webber Group Partner member Roger Humber Strategy Board Group Chair Robert Burgin Independent Member About the Board Alan Catterick MVHA (Chair) Jane Clarkson Independent Member Sheila Farmer Invicta Telecare (Chair) Recently, Circle Anglia has taken steps to improve the Murray Foster South Anglia Housing (Chair) group's accountability to its partners by dividing its Jane Gurney-Read CSCA (Chair) Group Board into a two-tier structure, namely a Andrew Hill Russet Homes (Chair) Management Board and a Strategy Board. Roger Humber (Chair) The Management Board has the legal responsibility Baroness Maggie Jones Circle 33 HT (Chair) to lead the group within a framework of sound Jitinder Kohli EPIC Trust (Chair) governance, continuous improvement and effective Nicola Lucking Wherry (Chair) control, which enables risks to be properly assessed Ayo Odukoya Independent Member and managed. The Strategy Board defines and ensures Brenda Reynolds Roddons (Chair) compliance with the values and objectives of the group Alan Riddell Old Ford (Chair) and puts in place plans to meet these objectives. Mark Rogers Circle Anglia (CEO) The Management Board comprises nine non-executive Martin Shaw OBE Independent Member directors and the Group Chief Executive. The Strategy Michael Webber Invicta Telecare (Member) Board comprises nominees from all the Circle Anglia Committee Membership Group Partners and Resident & Service User Panel and Remuneration and Group Audit Committee up to a third independent members. Succession Committee Jane Clarkson Jane Clarkson Andrew Ling All members are required to contribute and share Roger Humber Ayo Odukoya responsibility for decisions and uphold the Circle Anglia Jane Gurney-Read Nick Stevens (Chair) Code of Conduct. Circle Anglia complies with all aspects Baroness Maggie Jones Peter Wardle of the National Housing Federation’s code of Governance. Martin Shaw OBE (Chair) Julia Witting

Angela Firman FCIS, Group Company Secretary Page 52 Executive Directors Board

Mark Rogers Kai Boschmann Andy Doylend Group Chief Executive Executive Director Executive Director (Communications) (Operations)

Calum Mercer Sarah Trota David Williams Executive Director Executive Director Executive Director (Finance) (People) (Strategy and New Business)

Page 53 Registration

Circle Anglia Limited Industrial and Provident Society 27604R Tenant Services Authority LH4046 Circle 33 Housing Trust Limited Industrial and Provident Society 18652R Tenants Services Authority L0031 South Anglia Housing Limited Industrial and Provident Society 28100R Tenants Services Authority LH4094 Wherry Housing Association Limited Industrial and Provident Society 26622R Tenants Services Authority LH3866 EPIC Trust Companies House 3307684 Charity Commission 1107432 Old Ford Housing Association Tenants Services Authority L4221 Companies House 3487210 Charity Commission 1075125 Mole Valley Housing Association Limited Industrial and Provident Society 30312R Tenants Services Authority L4500 Roddons Housing Association Limited Charitable Industrial and Provident Society 30161R Tenants Services Authority L4501 Russet Homes Limited Industrial and Provident Society 27076R Tenants Services Authority LH3922 Invicta Telecare Limited Companies House 04133585 Commercial Services Circle Anglia Limited Companies House 5737166 Anglia Maintenance Services Limited Companies House 3300038 Old Ford Homes Limited Companies House 4625160 Your Lifespace Limited Companies House 2998648 Circle Anglia Foundation Limited Companies House 1832817 Charity Commission 326681 Circle Anglia Treasury Companies House 6133979 Circle Anglia Social Housing plc Companies House 6370683 Major lenders: Registered office: Abbey Circle Anglia Limited Barclays Bank Plc Circle Anglia House Cheshire Building Society 1-3 Highbury Station Road Bank of Scotland Plc London N1 1SE Lloyds Bank Plc Dexia Public Finance Bank Tel 020 7288 4000 Nationwide Building Society Fax 020 7288 4001 The Royal Bank of Scotland Plc Minicom 020 7288 4007 Royal Bank of Canada Europe Ltd

Page 54 Old Ford's mother and toddler club at Tredegar Community Centre, Bow Circle Anglia Limited Circle Anglia House 1 - 3 Highbury Station Road London N1 1SE

Tel 020 7288 4000 Fax 020 7288 4001 Minicom 020 7288 4007 www.circleanglia.org

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