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LINK Scheme Public - Redacted Copy Network Members Council Minutes of a Meeting of the Network Members Council Held at Cedar Court Hotel, Park Parade, Harrogate, HG1 5AH at 11.00 on Thursday 18th June 2015 Present: Dr Ken Andrew Independent Chairman Sarah Comley American Express Adrian Roberts Bank of Ireland Tim Allen Barclays Jonathan Simpson-Dent Cardtronics UK Craig Dye Co-operative Bank Lyndsay James Cumberland Building Society Bill Hoyne G4S Cash Solutions Glyn Warren HSBC Bank Mike Bullough Lloyds Bank Sue Bentley National Australia Group Anne Dalgleish Nationwide Building Society Kevin McMullan Northern Bank Nigel Constable NoteMachine Tim Watkin-Rees PayPoint Adam Bailey Royal Bank of Scotland Iain Gibson Sainsbury's Bank Helen Matthews Santander Anne Robertson Tesco Personal Finance Mark Akers TSB Bank Janice Aitken Yorkshire Building Society Jenny Campbell YourCash In Attendance: John Howells LINK Sue Wallace LINK Alex Leckenby LINK Graham Mott LINK Mary Buffee LINK Mandy Mahon LINK Deborah Thackwray LINK Sarah Chalmers LINK Katie Hinchley LINK Natalie Dix LINK Mike Newhouse LINK In Attendance for Item 7 only: Alistair Darling Giles Peel DAC Beachcroft LLP In Attendance for Item 9 only: Simon Walker KPMG Michelle Plevey KPMG 1. APOLOGIES FOR ABSENCE Michael Coffey (AIB Group), Billy McCall (Airdrie Savings Bank), Paul Meehan (Change Group ATMs), Mick Willets (Citibank Savings), Neil Lover (Coventry Building Society), Gordon Rennison (Creation), Jean-Luc Dubois (Credit Mutuel), Tim Wilder (DC Payments UK), Nigel Emery (Metro Bank), Alan Chambers (Moneycorp), Beth Williams (Raphaels), Grant Wells (Travelex), and Dave Walker (Virgin Money). 18th June 2015 1 LINK Scheme Public - Redacted Copy Network Members Council The Independent Chairman welcomed to their first meeting of the NMC: Lyndsay James (Cumberland Building Society), Kevin McMullan (Northern Bank), and Mike Newhouse (LINK Scheme). -
Law Russell House
Law Russell House Little Germany, Bradford, UK HISTORIC ARCHITECTURE WITH AN ULTRA-MODERN TWIST www.lawrussellhouse.com A city of transformation Now is the right time... Bradford is large, young and For lifestyle, Bradford has it all; ThE GROWTH HUB OF THE NORTH growing. With its unrivalled from the first UNESCO city of film; location at the heart of the Michelin star restaurants; award HQ to major companies A diverse, vibrant city – Now is the right time... UK, skilled workforce, world winning museums and galleries day and night renowned University and to stunning Yorkshire countryside. Bradford is a diverse, vibrant and With Bradford house prices competitive property prices, it’s well-connected city in the heart Around 70 languages are spoken averaging one third less than no surprise Bradford is the HQ This is why businesses choose of Yorkshire. and there is a population of more London and huge rental demand, destination of the north. to invest here. This is why talent than 525,000 people. it’s easy to see why Bradford is chooses to live here. The City Region’s financial one of the top 10 destinations and business service sector It has a lively nightlife with in the UK for investors (Times generates over £13 billion (21 bn restaurants serving food from all Report 2015). USD) every year and is projected over the world, as well as shops, to grow by 51% between now cinemas, sporting venues and n Fifth fastest growing area and 2022, offering stable, secure is home to the National Media outside London investment opportunities. -
Hot 100 2016 Winners in London’S Residential Market CBRE Residential 2–3 Hot 100 2016
CBRE Hot 100 2016 winners in London’s residential market CBRE Residential 2–3 Hot 100 2016 The year is drawing to a close and so our annual Hot 100 report is published. Find out where was hot in 2016. Contents Best performing locations 4–5 Most affordable boroughs 8–9 For nature lovers 10–11 For shopaholics 14–15 Boroughs for renters 16–17 Best school provision 20–21 Tallest towers 22–23 Highest level of development 24–25 Demographic trends 28–29 Best economic performance 30–31 CBRE Residential 4–5 Hot 100 2016 Top 10 Best performing locations Although prices remain highest in Central London, with homes in Kensington and Chelsea averaging £1.35 million, the other London boroughs continue to see the highest rate of growth. For the second year running Newham tops the table for price growth. This year prices in Newham increased by 24%; up from 16% last year. The areas characterised by significant regeneration, such as Croydon and Barking and Dagenham, are recording price rises of 18% and 17%, which is well above the average rate of 12%. Top Ten Price growth Top Ten Highest value 1 Newham 23.7% 1 Kensington and Chelsea £1,335,389 2 Havering 19.0% 2 City of Westminster £964,807 3 Waltham Forest 18.9% 3 City of London £863,829 4 Croydon 18.0% 4 Camden £797,901 5 Redbridge 18.0% 5 Ham. and Fulham £795,215 6 Bexley 17.2% 6 Richmond upon Thames £686,168 7 Barking and Dagenham 17.1% 7 Islington £676,178 8 Lewisham 16.7% 8 Wandsworth £624,212 9 Hillingdon 16.5% 9 Hackney £567,230 10 Sutton 16.5% 10 Haringey £545,025 360 Barking CBRE Residential 6–7 Hot 100 2016 CBRE Residential 8–9 Hot 100 2016 Top 10 Most affordable boroughs Using a simple ratio of house prices to earnings we can illustrate the most affordable boroughs. -
Simplified Access to the UK's Payments Systems Takes Another
PRESS RELEASE For immediate release 15 December 2016 Simplified access to the UK’s payments systems takes another step forward with the publication of a new, cross-scheme guide to participation The UK’s interbank Payments System Operators (PSOs) – Bacs Payment Schemes Limited (Bacs), CHAPS, Cheque and Credit Clearing Company, Faster Payments and LINK – have today published a new guide entitled, An Introduction to the UK’s Interbank Payment Schemes. Available on each of the PSOs’ websites, the guide is intended for use by payments service providers (PSPs) that are considering joining, or thinking of extending more payments services to their customers. The document provides an overview of the UK’s payment schemes, what each one offers, and how they can be accessed by PSPs. It has been developed collaboratively by the schemes, capturing input from the Payments Strategy Forum, a number of challenger banks and FinTechs. This is another important step forward in the journey to open up the UK’s payments systems. This year has already seen broadening access to the schemes, with Raphaels and Metro Bank joining Faster Payments, and Societe Generale and Northern Trust joining CHAPS. In 2017, the interbank schemes are expecting growth in direct participation to continue to accelerate. Hannah Nixon, Managing Director of the Payment Systems Regulator, said: “Simple, clear and fair requirements will help make it easier to gain access to the UK’s Interbank Payment Systems. As the economic regulator for the £75 trillion UK payment systems industry, we welcome the work that has been undertaken to produce this guide – which should help introduce organisations to the different access options available to them in each of the payment systems. -
AN INTRODUCTION to BERKELEY GROUP OUR PURPOSE to Build Quality Homes, Strengthen Communities and Improve People’S Lives
AN INTRODUCTION TO BERKELEY GROUP OUR PURPOSE To build quality homes, strengthen communities and improve people’s lives. OUR VISION To be a world-class business, defined by the quality of the places we create, generating long-term value and having a positive impact on society. OUR VALUES Have Integrity Be Passionate Think Creatively Respect People Goodman’s Fields, Aldgate Excellence Through Detail BUILDING COMMUNITIES For Berkeley, development is all about people. We go beyond the conventional role of a developer and put the strength and wellbeing of the wider community at the heart of every plan. We listen to local people and find out what they care about most. Then we work in partnership to shape unique, locally inspired masterplans with a mix of beautiful public spaces, natural landscapes and welcoming amenities that bring people together to enjoy community life. Beaufort Park, Colindale CONNECTING PEOPLE AND NATURE We believe that people and nature belong together. So in 2017 we became the first UK homebuilder to commit to enhancing nature on every new site, no matter what the land’s existing use. We use our Net Biodiversity Gain Toolkit to measure established habitats and create long-term strategies to preserve, enhance and expand nature, so that we leave behind a more beautiful and sustainable living landscape. We work in partnership with local Wildlife Trusts to create these nature-rich places and engage local communities in their growth and stewardship. Edenbrook Village, Fleet CLIMATE ACTION We want to play a lead role in decarbonising the built environment sector. Our business operations have been carbon positive since 2018, through taking action to reduce energy use and offsetting more emissions than we produce. -
Trafford Partnership Annual Report 2012/13
BRIGHTER GREENER SAFER STRONGER HEALTHIER Annual Report 12/13 “The Trafford Partnership brings together public, private, voluntary and community organisations in Trafford. We work together to meet the needs of residents and communities, sharing a common goal; to make Trafford a thriving, diverse, prosperous and culturally vibrant borough. ” Councillor Matthew Colledge, Leader of Trafford Council and Chair of the Trafford Partnership Annual Report 12/13 CONTENTS Welcome From the Chair 4 Trafford Vision 5 Who We Are 6 Members 7 Highlights 2012/13 8 Shape the Future 9 Safety and Reassurance 10 Strong Economy 12 Strong Communities 14 Brighter Futures 16 Positive Environmental Impact 18 Better Homes 20 Health & Improved Quality of Life for All 22 Plans for 2013/14 24 How to Get Involved 26 3 WELCOME FROM THE CHAIR Welcome to the Trafford Throughout this past year, our Finally, this has been a year Partnership Annual Report Strong Communities Partnership of success, with the Trafford 2012/13 has been laying the foundations Partnership being recognised for our exciting new Locality nationally for the improvements 2012/13 has been Trafford Partnerships, which we launched we are making. The Safer Trafford Partnership’s most active at our annual event in April. Partnership won an Improvement and successful year. This These will bring together strategic and Efficiency ‘Working Together’ report highlights some of our partners, Councillors and local Silver award for our collaborative achievements, and outlines our residents to develop new ways to work to improve community exciting plans to work with improve their area, enabling local safety. The Trafford Partnership partners from across all sectors people to influence how services then went on to beat 46 national and local residents in future years. -
Question 3.1: Do You Agree with Ofcom’S Proposal to Set Synchronised Charge Controls for LLU and WLR?
NON-CONFIDENTIAL VERSION OFCOM CHARGE CONTROL REVIEW FOR LLU AND WLR SERVICES – CONSULTATION ISSUED 31 MARCH 2011 RESPONSE BY EVERYTHING EVERYWHERE LIMITED A. INTRODUCTION Everything Everywhere Limited (EE) welcomes the opportunity to respond to Ofcom’s important consultation on the next charge control review for local loop unbundling (LLU) and wholesale line rental (WLR) services, issued on 31 March 2011 (the Consultation). This Consultation is of key commercial and competitive significance for the success of EE’s Orange Home fixed voice and broadband business going forward. In this regard we note that, whilst during the course of 2011 we have been moving from a direct shared metallic path facility (SMPF) and WLR based mode of providing these retail services to providing our retail services through a wholesale arrangement with BT, [][]. The comments in this response represent the views of EE. It should be noted that the views of EE’s shareholders and those of the holding companies and ultimate parent companies may vary from these views. Those parts of this response marked with [] and highlighted in blue are confidential to EE. B. EXECUTIVE SUMMARY EE’s experience of LLU regulation and market conditions in the UK as an SMPF based service provider has been a telling one. Most notably, following the initial successes of Ofcom LLU policy in stimulating SMPF based retail broadband competition, progressive changes to regulatory investment ladder have resulted in us witnessing over the last five years the market exit of a very large proportion of the SMPF “early adopters” (e.g. Tiscali, AOL, Pipex, Bulldog). In May 2011, we have also seen the total number of unbundled lines in the UK falling rather than growing for the first time in several years, from 7.62 million lines in April 2011 to 7.56 million lines in May 20111. -
WP2 User Requirements, User Scenarios and Business Case Analysis D2.3 Operator Market Research
Project Number: Project Acronym: Project Title: 216751 REWIND Relay based Wireless Network and Standard Instrument: Thematic Priority: STREP Network of the Future Work Package and Deliverable Numbers & Titles: WP2 User Requirements, User Scenarios and Business Case Analysis D2.3 Operator Market Research Contractual Delivery Date: Actual Delivery Date: 30-06-2009 30-06-2009 Start date of project: Duration: January, 1st 2008 36 months Organisation name of lead contractor for this deliverable: Document version: TEI of Athens V2 Dissemination level ( Project co-funded by the European Commission within the Sixth Framework Programme) PU Public X Restricted to other programme participants PP (including the Commission Restricted to a group defined by the consortium RE (including the Commission) Confidential, only for members of the consortium CO (including the Commission) Authors (organizations): Codium OTE TEI of Athens 216751 REWIND REWIND Operator Market Research Revision History The following table describes the main changes done in the document since it was created. Revision Date Description Author (Organisation) 0.5 2008-06-30 Draft Codium Networks 0.6 2008-08-28 Draft OTE 0.7 2008-08-03 Draft Codium Networks 1 2008-09-08 First Release Codium Networks 2 2009-06-15 Second Release. Codium Networks Added Section 7 Regulatory OTE and Licensing Environment and Section 8 End-user Terminals Page 2/96 216751 REWIND REWIND Operator Market Research Page 3/96 216751 REWIND REWIND Operator Market Research Table of Contents 1 Introduction........................................................................................6 -
Nightingale Place
NIGHTINGALE PLACE HADDENHAM CALA HO ME S NIGHTINGALE PLACE HADDENHAM Local area photography NIGHTINGALE PLACE ESCAPE TO THE MOST DESIRABLE RURAL RETREAT The intimate selection of 17 detached family homes at Nightingale Place provides an idyllic family retreat, connecting the desirable northern edge of Haddenham village with open Buckinghamshire countryside. Set over two storeys, these light and contemporary 5 bedroom homes have plenty of kerb appeal, together with a quality specification throughout and set in a beautiful location. Approximately six miles from Aylesbury and 18 miles from Oxford, this tranquil rural setting is also close to excellent schooling and major transport links, making it the perfect place for growing families and country-loving commuters alike. Photography of Treetops, Aston Clinton Photography from a previous CALA development Photography of Willow Close, Welwyn 5 HADDENHAM AWAY FROM IT ALL, AT THE HEART OF IT ALL The highly sought-after commuter haven of Haddenham is situated some two-and-a-half miles north east of Thame, six miles south west of Aylesbury and 18 miles east of Oxford. It’s the quintessential English village, featuring an attractive duck pond and thatched cottages, together with a local convenience store and assortment of country pubs and restaurants nearby. Historic Aylesbury has plentiful amenities, with Friars Square Shopping Centre, Marks & Spencer, an Odeon Cinema and Rogue Bowling. The market towns of Wendover and Thame offer an array of retail and recreational pursuits too, with the latter hosting the Oxfordshire County and Thame Show, the largest one-day agricultural show in Britain. Aylesbury Waterside Theatre presents everything from West End musicals to world-class operatic and ballet performances. -
Pocketbook for You, in Any Print Style: Including Updated and Filtered Data, However You Want It
Hello Since 1994, Media UK - www.mediauk.com - has contained a full media directory. We now contain media news from over 50 sources, RAJAR and playlist information, the industry's widest selection of radio jobs, and much more - and it's all free. From our directory, we're proud to be able to produce a new edition of the Radio Pocket Book. We've based this on the Radio Authority version that was available when we launched 17 years ago. We hope you find it useful. Enjoy this return of an old favourite: and set mediauk.com on your browser favourites list. James Cridland Managing Director Media UK First published in Great Britain in September 2011 Copyright © 1994-2011 Not At All Bad Ltd. All Rights Reserved. mediauk.com/terms This edition produced October 18, 2011 Set in Book Antiqua Printed on dead trees Published by Not At All Bad Ltd (t/a Media UK) Registered in England, No 6312072 Registered Office (not for correspondence): 96a Curtain Road, London EC2A 3AA 020 7100 1811 [email protected] @mediauk www.mediauk.com Foreword In 1975, when I was 13, I wrote to the IBA to ask for a copy of their latest publication grandly titled Transmitting stations: a Pocket Guide. The year before I had listened with excitement to the launch of our local commercial station, Liverpool's Radio City, and wanted to find out what other stations I might be able to pick up. In those days the Guide covered TV as well as radio, which could only manage to fill two pages – but then there were only 19 “ILR” stations. -
Calderdale Way Walking Route
Calderdale Way, walk route – dramatic West Yorkshire The Calderdale Way is a 50 mile (80 km) walk exploring the hills, moors and valleys of Calderdale. It is an ‘up and down’ journey with few level sections. The higher levels, however, provide some exceptionally fine panoramic views. There are some steep sections and there will be muddy parts following wet weather. Some areas of moorland are exposed. Mileage details, which are approximate, are given for longer sections with intermediate distances. The best walking and views as with all walks, would be in sunny weather following a dry spell. Appropriate footwear and clothing is needed for every part. The walk is accessible by public transport. Additionally it can be split into short walks also by using public transport. Additionally, there are many link paths. For example, an easy walk would be the three mile Norland to Ripponden section. Take the bus from Halifax to Norland and then walk on the level and downhill to Ripponden with another bus back to Halifax. Another even shorter walk combined with sight-seeing, would be to take the train to Hebden Bridge, bus to Heptonstall, and walk ¾ mile down to Hardcastle Crag and bus back to Hebden Bridge. The whole walk is circular and so can be started at any point; this starts at Brighouse. There are bus services to each of the distance points. Train services are available at Brighouse, Todmorden, Hebden Bridge, Mytholmroyd, Sowerby Bridge and Halifax. Route map and accommodation links at end of these details. Brighouse, Southowram, West Vale, Norland, Ripponden, Mill Bank (11.5 miles; start satnav HD6 1PQ) This section is a relatively easy introduction to the walk. -
9 Devon Way Bailiff Bridge Brighouse HD6
9 Devon Way Bailiff Bridge Brighouse HD6 4DT For Sale by Public Auction On Thursday 7th September 2017 at 7.00pm Venue:- The Revell Ward Suite, The John Smith's Stadium, Leeds Road, Huddersfield, HD1 6PG Guide Price: £90,000 Professionalism with Independence 14 St Georges Square, Huddersfield, HD1 1JF t: 01484 530361 This 2 bedroom semi-detached true bungalow is located in this popular and much sought after residential location, amongst similar style properties. Being handily located for the M62 and the local town centres of Brighouse, Lightcliffe and Halifax. The property does require extensive modernisation and improvement, however upon completion of works would make an ideal retirement property. The accommodation briefly comprises:- GROUND FLOOR: TERMS: The successful purchaser will be required to sign the Lounge contract on the night of the auction and to pay a 4.93m x 3.18m (16'2" x 10'5") deposit of not less than 10%. The balance of the Kitchen purchase monies will be payable within 28 days. Under current legislation we are no longer permitted 3.10m x 2.46m (10'2" x 8'1") to accept cash as payment for deposit. All cheques, Inner Hallway bankers drafts etc made payable to Bramleys. Bedroom 1 SOLICITORS: 3.51m x 3.35m (11'6" x 11'0") FAO: Michael Robinson Ramsdens Bedroom 2 6-8 Harrison Road 3.10m x 2.95m (10'2" x 9'8") Halifax HX1 2AQ Bathroom Tel: 01422 410574 Furnished with a 3 piece suite. COUNCIL TAX BAND: OUTSIDE: B There are gardens to both front and rear.