ANNUAL REPORT 2012-2013 1 CONTENTS

Chairperson’s Report p4-5

Property Services p7-9

Care & Repair p10-11

Housing Services p12-16

Finance Services p17

Our People p18

3 economic climate and with the impact of welfare benefit changes affecting Chairpersons Report Governance Improvements the most vulnerable households in our communities. The Association will continue to support people affected by this legislation and help them in There were a number of changes to our Management Committee any way possible, whether it is through rehousing or providing assistance, throughout the year as a result of a Governance Review and Improvement advice or referrals to the appropriate agencies who provide a tailored Plan. With the help of others, the Association reviewed their governance response. I am delighted to be introducing our Annual Report following my first year as arrangements and embarked on a new recruitment and selection process for Committee Members, and introduced an Induction Policy and The reduction in grant funding has made development a more risky Chairperson of Cloch Housing Association. The last year has been a whirlwind Training Plan for our members to ensure they can govern the Association proposal for landlords and for the first time in a long time there is no of change for the Association with new foundations being laid for our future as a effectively and ensure that the business is operating with care and development programme moving forward for Cloch. That is not to say diligence. that we will not consider activity in the future but for the time being, successful and responsive landlord. We have been a proud landlord for over 40 our focus must be on consolidating our current position and working years now and performed at a very high standard providing excellent services to both independently and within the new Group structure to implement our customers. The changes made in this last year will help us move forward in a Financial Improvements improvements across all of our service areas. The staffing review resulted in changes to our financial services team professional and sustainable way as we help our customers meet the challenges which saw the creation of a Group Financial Services division to provide brought about by recent welfare benefit changes. services for all of the group. The Association carried out a Financial And finally Services review and this has resulted in key improvements being made in this area such as reviewing our 30-year financial model, updating our In July 2012, Cloch’s Sheltered Housing Warden at Elliott Court, Elaine financial regulations and ensuring that our long term viability is secure. Clarke sadly passed away aged 50 following a long battle with cancer. As the Chairpersons report stated last year, we were in a period of many ways has influenced the changes made in Cloch across the board Elaine worked with the Association for over 18 years and staff and tenants significant organisational change as we headed towards a Constitutional and having been involved in the Committee throughout the process I have fond memories of Elaine who not only fought the condition with Partnership with Oak Tree Housing Association. This was sealed with can say that we are in a far better position as an organisation than we great strength and bravery but also with immense humour. Our staff the signing of Independence Agreements on 31st January 2013. While were in previous years. The regulator will “engage” with an organisation Other Improvements raised over £2000 through various activities and with the help of others in this confirmed the independence of both organisations as independent if they have some degree of concern – and in the case of Cloch we have Alongside all of these strategic improvements, Cloch continued to memory of Elaine and this was donated to the Ardgowan Hospice in July Housing Associations in their own right, it was also the creation of a a “medium level of engagement”. A key business objective for us in provide a range of services and outputs to a very high standard including unique partnership which brings together two of the most successful the year ahead is to improve to such a level that this is reduced to “low completion of our new build development at Maukinhill which in the last 2013. I know Elaine is missed by all and she was a credit to Cloch. organisations in and creates a large Housing Association Group engagement”. year saw the last 39 homes completed and allocated. Our performance Finally I would like to thank staff and my fellow Committee members – for the Inverclyde area. in our key areas are highlighted throughout this annual report but past and present, who have contributed to our success in the last year. undoubtedly the Association is maintaining its high levels of performance This has not been the easiest year at Cloch with so many changes and This change has allowed us to share certain areas of work and together New Leadership and our customers are in the main, very satisfied. A Tenants Satisfaction issues to deal with; however we are in a better place as a result and can we can maximise our services to ensure that our customers are receiving Survey has been commissioned for the summer of 2013 which will assess look forward to 2013/14 and beyond with a fresh focus and a renewed value for money and a first class service. A staff structure review was carried out which streamlined our people how well we have been doing. confidence. resources and this was concluded in January 2013, when the Association welcomed a new Chief Officer, Paul McVey to Cloch HA to lead the Regulatory Engagement organisation in the years ahead. I was pleased to welcome Paul to the The Future organisation and he brings a wealth of experience, knowledge and fresh Monica Sheekey The Scottish Housing Regulator became involved with Cloch in 2011 thinking which is already helping Cloch move forward positively. The future landscape for the housing sector is a difficult one in the current amid growing concerns regarding mainly governance and finance. This in Chair, Cloch Housing Association

4 5 Property Services

4 www.greenocktelegraph.co.uk TELEGRAPH, Wednesday, 21 November, 2012

the twelve minister unveils new £23m homes Maukinhill Regeneration gifts of Christmas The regeneration of Maukinhill was completed last year with Your ChanCe to win one the remaining 39 houses being handed over to the Association of 13 Prizes By Eric Baxter CourTEsy of CLOCHING INmaukinhill in July 2012. NEW housing has changed magic: the lives of Greenock fam- Janet and Billy Stewart ilies — 20 years after they outside their started fighting for better Corlic Street The Scottish Government’s Housing and Welfare Minister, Margaret Burgess, took time Tools homes. home; housing th And yesterday a Scottish minister out from her busy schedule on Tuesday 20 November 2012 to join Cloch Housing PRIZE FIVE Government minister praised the Margaret MaukinhillHousingGroupfortheir Burgess with long and successful campaign. Janet Stewart Association, ’s Provost, Robert Moran, representatives from the local Minister for housing and wel- in her home, Dewalt Lithium fare, Margaret Burgess, visited below left; Greenock to celebrate the com- and, below community and other invited guests to celebrate the completion of 193 new affordable Drill complete pletion of the Cloch Housing right, Janet with 2 x 10.8v Association development at with Elaine Batteries and Maukinhill. McShane of homes at Maukinhill, Greenock. Flashlight Cloch has finished a four-year, Cloch HA. £23 million programme to build Pictures: £129.99 193 houses — 190 for social rent Sheenagh and three for a shared equity Cameron sAVE £40 scheme to help people buy their Costing £23million, and funded through a combination of Housing Association Grant own homes. HoW WEll Do you KNoW Tenant Janet Stewart, 50, moved your CHrIsTMAs TrIVIA? into her new Corlic Street semi- provided by the Scottish Government and private finance raised by Cloch Housing detached home three years ago Well, over the next four weeks we with husband Billy and son Jamie, will be looking for answers to our and yesterday they welcomed the Association, the development consists of a mixture of semi detached and terraced minister to Maukinhill. Twelve Christmas Trivia Janet said: “I could never have Questions. imagined all of these fantas- houses plus own door amenity flats built to meet the needs and aspirations of the local tic houses being built here when What Christmas item was we started campaigning all those invented by london baker and years ago for better heating and community. wedding cake specialist Tom windows.” That drive led eventually to smith in 1847? council tenants voting to transfer Fill in your answer below. Remember to enter from the council to Cloch 10 years Cloch also received funding from the Scottish as many times as you can! Every entry for ago. every daily prize is entered for the Star Prize A total of 280 properties were moved, and Cloch then embarked below! (Original forms only, no photocopies) on a programme of demolition, and that has really impressed finance of £8.6m. pleted ahead of time and within Government to enable Action for Children to set decanting and building. me. Monica Sheekey, Cloch’s chair- budget. Residents are delighted STAR PRIZE Janet said: “We moved from a “The community have ensured person, said: “We also received with their new homes and the com- Burnhead Street maisonette with they have not been pushed out of wider funding to enable Action for plete transformation of an area up the Inverclyde Youthbuild programme with dampness into this warm, modern an area they wanted to stay in. Children to set up the Inverclyde that had been in decline for many, home.” “The local people have shown Youthbuild programme with train- many years. training places and apprenticeships provided by SEALEY 10 The housing minister congrat- tenacity in continuing their cam- ing places and apprenticeships pro- “Now that the physical regen- DRAWER ulated the tenants for showing paign and achieving their aim. vided by McTaggart Construction. eration of the estate is complete, TOOLCHEST determination to stay in their own “When they’ve got that kind of “This ensured the local commu- the community and all the vari- our main contractor, McTaggart Construction. area. ownership in their area, Maukinhill nity benefited from employment ous agencies — Cloch, Maukinhill + FREE TOOLS She said: “This is exactly what will go from strength to strength.” opportunities created as a result of Housing Group, Auchmountain £419.94 we’re looking for in terms of afford- Cloch business development capital investment on the estate. Community Resource Centre, This ensured that the local community benefitted rrp £828.65 able housing that is very much manager, Elaine McShane, said: “McTaggart employed 11 oper- community wardens, police, local part of the community. “This development has been a fan- atives, created nine apprentice- schools and Inverclyde Council — TO ENTER: Complete the entry form below, “This development has more tastic success.” ships and a further 14 jobs for local must all continue to work together from employment opportunities created as a result of capital investment. Over the 4 and send or hand into Twelve Gifts Prize community involvement than The project was paid for through people.” to ensure Maukinhill is a safe and One, Greenock Telegraph, 2 Crawfurd Street, any of the others I’ve visited since a new homes housing associa- She added: “We’re also delighted pleasant environment where peo- Greenock PA15 1LH by 10am Wednesday 28th I took up my post in September, tion grant of £13.7m and private that the development was com- ple choose to live.” year construction programme, the main contractor employed 11 operatives, supported 9 November. Usual Telegraph rules apply.

Answer: ...... apprenticeships and created a further 14 jobs for local people. Name:...... RichardWilson to open librarytomorrow Address:...... ACCLAIMED Greenock- Inverclyde Council’s to e-books and music There is also a young ...... born actor Richard Wilson education and lending.” adult area with study With the local community in the driving seat, the complete physical regeneration of the is heading home to communities convener, The library space, comfortable seating Post Code...... officially open a £300,000 Councillor Terry refurbishment took six and a coffee machine. Maukinhill estate is a great example of what can be achieved by close partnership working Daytime Telephone...... revamped library. Loughran, said: “We are months to complete and South West Library The actor, theatre delighted that Richard has included fitting a new roof now offers improved Email...... director and broadcaster, found the time to perform and double-glazing, as well accessibility with a ramp, If you do not wish to receive promotional information from Greenock Telegraph or third parties, tick box who is best known for the official opening of the as structural alterations, automatic doors and an with a variety of agencies to achieve a common goal. playing Victor Meldrew in South West Library, which complete redecoration adapted WC for wheelchair hit BBC comedy One Foot has been transformed to and installing new users, an induction loop in the Grave, will open the create a refreshed modern bookshelves, a counter for people with hearing refurbished South West facility, while maintaining and furniture. impairments and baby Library tomorrow. much of its original It has been transformed changing facilities. Cappielow Industrial Estate, Greenock Richard has taken time character. and now boasts a state-of- The refurbishment out of his busy schedule “This project marks the-art learning zone with follows the upgrade Telephone 728234 to officially open the part of our commitment interactive whiteboard, of and Greenock facility, following to ensuring that libraries meeting rooms, an Gourock libraries and the 6 an extensive £300,000 are modern, accessible increased number of new library at Kilmacolm, 7 redevelopment project. library whilst growing up and provide a wide range public access PCs with as part of the council’s The library holds special in nearby Dunlop Street of services that meet our free Wi-Fi and a bright commitment to ensuring memories for Richard, as and attending Lady Alice local community’s needs; comfortable children’s Inverclyde’s libraries are fit South West was his local Primary School. from free Wi-Fi access, area. for the 21st century. Property Services Property Services Factoring Highlights include: Advice 4 All The Property Factors () Act came into force on 1st October 2012 and l Painterworks at Lyle Street, Lynedoch Street, Bawhirley Road and Carwood This project has been has 3 main sections: Street at a cost of £32,139 running in Inverclyde since 2005 with Cloch, 1) A compulsory register for Social landlords l Kitchen replacements at Bank Street, Cardross Crescent and Clynder Road Oak Tree and Larkfield at a cost of £71,604 Housing Associations 2) A Code of Conduct that sets out minimum standards of practice for and River Clyde Homes Social Landlords l Heating system replacements at Bank Street, Belville Street and Bawhirley joining the project in Road at a cost of £96,214 3) A new legal dispute resolution mechanism called the Homeowner 2011. Delivered by Housing Panel l Periodic electrical inspections throughout the stock at a cost of £3,167 Financial Fitness the project is targeted at Cloch Housing Association has registered within the terms of the Act. As l Carrying out annual gas servicing to Association properties including local people who are part of the Code of Conduct we will be providing each homeowner with a checking smoke and carbon monoxide alarms at a cost of £258,952 not job ready or able to work, require traditional welfare written statement of services. advice and income maximisation. All eligible residents l Carrying out landscape maintenance throughout the stock at a were offered :- The Association will operate in accordance with the Code of Conduct. cost of £89,071 Where owners feel we have failed to do this, they have the right to appeal l Comprehensive Welfare Benefits Check l Spent £412,892 on day to day repairs to the Homeowners Panel after exhausting the Association’s complaints l Income Maximisation Advice procedure. l Spent £67,945 on bringing our empty homes to a lettable standard l Form Filling l Advocacy (telephone support, letter writing etc.) Repairing And Maintaining Performance Report l Problem Solving Our Homes l 1,177 emergency repairs were completed in the year l Aftercare Support l l Referrals to Other Agencies for Additional The Association is part of the I-Flair Procurement Group which comprises 8 99% of all emergencies were completed within 4 hours Support Housing Associations based in Inverclyde and . The group has l set up a Framework Agreement to take advantage of economies of scale 4,896 non-emergency repairs were completed in the year Clients accessing the Advice 4 All service are offered when procuring planned maintenance works. In 2012-13, we made use of l The average length of time taken to complete the non-emergency repairs support on an outreach basis, either by home visit or the Framework Agreement for painterworks and also kitchen and heating was 5 days within a local community based surgery. replacements.

8 9 Care and Repair Inverclyde Care and Repair continues to provide by Care & Repair Scotland. The project was objectively assessed by Foundations, the co-ordinating body. We received our award from a home based and confidential service to older Margaret Burgess, MSP, Minister for Housing and Welfare at the Annual and disabled homeowners in Inverclyde, assisting Conference on 3rd May 2013. Client Satisfaction them to have their homes repaired, improved and The new Quality Mark provides assurances to commissioners and funders In terms of client satisfaction, that the service has met recognised national standards in relation to adapted. One of the main areas of the project’s work governance, operation and outcomes. in 2012/13 – there was 98% is in relation to helping clients to organise disabled satisfaction with the small repairs adaptations and working closely with the Inverclyde Small Repairs Service service and 100% satisfaction with the main Care and Repair service. Centre for Independent Living. Our Small Repairs Service carried out 1632 small repairs for 2012/13. We assist clients by helping obtain estimates, applying for grants, and Our project employs two full time officers. The types of repairs carried organising the work through to completion. In 2012/13, we completed out by the Small Repairs Officers ranged from boxing in pipes, replacing 176 disabled adaptations with a grant spend of £650,701. In addition, tap washers to fitting phone sockets for community alarm systems. we also helped 13 clients to apply for grants for central heating and lead Clients only have to pay for any materials used, and it is a much valued replacement. These were completed with a grant spend of £20,578. service. This service is open to older and disabled Cloch tenants, for repairs which are not the landlord’s responsibility. Uptake continues to We also provide telephone advice to homeowners on a daily basis, be slow, and we are keen to encourage referrals. regarding queries about home repairs and improvement. Part of the service offered by our project is free technical advice by one of our In addition to this service, our Small Repairs Officers are carrying out technical officers. They can visit you at home and give you impartial advice free Falls Prevention surveys, identifying areas of risk. We completed 98 about any repairs needed to your home such as if you have a dampness of these surveys between April 2012 and March 2013. For this scheme problem, or need your gutters or roof repaired. They can also assist with you have to be referred by a health care professional e.g. Home Help or helping you to obtain estimates from approved contractors on our list, GP and also be over 65 and an owner occupier. The survey looks at items and to inspect the work on completion before payment is due. As part of such as ensuring all lights are working, checking for overloaded sockets this service, last year, we assisted 53 homeowners directly to have home or trailing cables, and securing carpet/fit thresholds. All materials are repairs carried out at their own expense to a cost of £19,856. paid for by money granted to the project through the Change Fund. We have been continuing to work in partnership with the Fire Service in a joint referral scheme, and in September 2012, we obtained a grant from Accreditation Success the Fire Service for £2500 for smoke alarms, which we have been issuing In March this year, we were one of the first Care and Repair projects in to clients if their smoke alarms required updating. Scotland to be assessed using the new Accreditation system introduced

10 11 54 Housing Services Housing Those in Need In 2012/2013 we were able to meet the housing needs of 136 households. The Housing Services Section Year of Build House Tenement 4 in a Other Flat / Garage All Types Existing tenants that were transferred to more suitable housing 39 is responsible for providing Block Maisonette 39 housing management services Pre - 1919 294 294 Applicants who were assessed as statutory homeless by the local authority 32 32 to tenants. 1919 - 1944 28 27 55 Applicants from our housing list (Inverclyde CHR) 54 The Association’s stock increased 11 1945 - 1964 29 29 during the year due to properties being Nominations from the local authority or Inverclyde CHCP 11 st developed. At 31 March 2013 the 1965 - 1982 36 6 1 42 4 89 Association owned 1412 properties Total 136 (including 20 shared ownership properties Post - 1982 552 309 12 72 945 and 4 Garages). 39 new homes were built as part of the Maukinhill Regeneration Scheme. Our stock profile at 31st March 2013 is detailed opposite: Total 645 609 40 114 4 1412 Housing Demand - Inverclyde Common Housing Register 157 Properties Allocated during In March 2011, Cloch joined the HomeSwapper service which allows tenants to get a free on line matching service to find The Association continues to be an active partner in Inverclyde Common Housing a mutual exchange. Tenants can access the service directly register (ICHR). Following extensive consultation, the joint policy was reviewed 2012/2013 and agreed by Cloch and Oak Tree HA during March 2013. The new policy was on line and by putting in a few details about their home and st A total of 136 properties were allocated during 2012/2013; of which 97 were re-lets. the type of property they are looking for, can be matched to implemented on 1 April 2013 and continues to be based on Choice Based The average time to re-let general properties was 10.9 days - the target was 8 days, people with whom they may wish to exchange locally and Lettings principles so that available properties are advertised and applicants note so the Association will be focusing on improving this area of service during the next further afield. As a result of the service, 13 mutual exchanges interest in the properties they would like to be considered for. year. took place in 2012/13. At the end of March 2013, there were 4696 applicants on the joint list seeking 162 referrals of homeless people under Section 5 of the Housing (Scotland) Act More tenants are meeting their housing aspirations rehousing. Cloch advertised 81 properties for let during the year through ICHR, 2001 were received and 32 referrals were successful resulting in an offer of themselves and in many cases, more quickly than if they had this represents 51.6% of all lets. The Inverclyde Common Housing Register accommodation. Cloch also allocates properties to be used as temporary furnished chosen to wait for a transfer. Tenants do require permission processed 1158 applications for housing in 2012/2013; on average these accommodation for homeless people. to exchange, but this is not withheld without good reason. applications were processed within 3 days, the target for processing is 10 days.

12 13 Housing Services Housing Services

Rental income lost due to voids was 0.19%

The collectable rent for 2011/12 was £5,645,347. The average rent set Current tenant arrears stood at £176,062 at 31st March 2013. Out of by Cloch for general properties was £66.68 per week and by the rent this, £39,045 was due from Housing Benefit, reducing the current non- registration service was £72.72 per week. technical arrears to £109,276 or 1.94% of the rent debit. This was higher than the target of 1.7% of the debit as the table below shows, however The rent loss from voids was £10,453 or 0.19% of the rent debit. This was in light of the recent changes to benefit systems this is comparable with below the target for void loss of 0.2% of the debit. other RSL’s locally. The former tenant arrears stood at £27,740, or 0.49% of the yearly rent debit which is a slight improvement on the previous year.

Actual Arrears (Non Technical) 2011/2012 Actual Arrears (Non Technical) 2012/2013 Current Tenant £88,395 1.74% £109,276 1.94% Former Tenant £15,372 0.30% £27,740 0.49% Total Arrears £103,767 2.04% £137,017 2.43%

Estate Management & Legal Action Anti Social Behaviour We served 47 notices of proceedings due to serious breaches of tenancy, Customer Engagement (rent arrears, anti-social behaviour, etc) and 12 new court actions were Consulting with our tenants and residents on all issues that affect Organisations that work within the Association’s main areas of Cloch continued working with its partners at Inverclyde Council and initiated. Unfortunately, 5 Decree of evictions were obtained following court where they live remains a key priority for the Association. We do this operation. in tackling Anti Social Behaviour, and dealt efficiently action and these were enforced, with 1 tenancy being abandoned during the by holding quarterly Tenant and Resident Forum meetings and having with 140 disputes in the last year. Thankfully no Anti-Social Behaviour year also. We see eviction as very much the last resort and will work very regular consultation meetings particularly in respect of planned and During the early part of 2013 the Association, jointly with Orders (ASBOs) were required however 1 eviction was sought and hard to help tenants in difficulty to sustain their tenancies. However we cyclical maintenance programmes. During the year, Cloch worked Larkfield Housing Association and Oak Tree Housing Association, implemented as a result of anti social behaviour. Last year the recognise that we have a duty and responsibility to the wider community with a number of tenants’ and residents’ groups. These included commissioned Knowledge Partnership to carry out an independent Association increased its provision of our close cleaning service, which and future of the Association. is provided to the residents of 13 closes throughout our estates. Maukinhill Residents Group, Wellpark Residents Association, and tenant satisfaction survey and tenant census. The results of this Gibshill Residents Association who are the 3 Registered Tenant survey will be available and published during 2013/2014.

14 15 Finance Services Inverclyde Housing Support Service The financial results for 2012/2013 include the impact of component accounting in line with the Statement April 2012 - March 2013 of Recommended Practice. Major repairs which related to identified components are capitalised and This project has continued for a third year with the Mungo to provide relevant support and care packages to ensure depreciated over the estimated useful economic life of each identified component. Foundation providing tenancy support services throughout that clients have an improved quality of life and are able to 2012/2013 saw a review of component accounting methodology Loan interest payments increased substantially during the year from £339k Inverclyde. The project aims to intervene with vulnerable sustain tenancies thereby preventing homelessness and implemented in 2011/2012. This review resulted in a prior year adjustment to £671k. This increase was mainly due to additional loans taken out in the tenants at the earliest opportunity within their tenancies, poverty. of £427k. In terms of depreciation in the year to 31st March 2013, the year and the renegotiation of interest rates by the Associations lenders. All charge of £773k was an increase of £113k from 2011/2012 charge. loan covenants were achieved in the year. Examples of support provided throughout the year included:- The operating surplus in 2012/2013 increased marginally to £1.74m. The Balance Sheet remains in a healthy position with net assets of £6.1m. However, the Association incurred exceptional one-off costs of £377k Cash reserves at 31st March 2013 totalled £2.2m. l Budgeting Advice (Including Signposting for Dept l Community Care Grant Applications Stephanie Thom, Senior Project Officer Management and Benefits Maximisation) relating to internal reviews and the Constitutional Partnership. The impact l Healthy Living Skills of the exceptional item was a reduction in the Surplus on Ordinary Activities l 28% Completing Official Documentation l Employability Advice and Support (Including before Taxation to £707k. Expenditure 22% l Health Advice and Signposting for All Health Issues Signposting for Learning/Development and Skills) 19% (Including Specific Health Treatment Facilities) l 1-2-1 Weekly Support and Advice Rent & Service Charges 12% Income constitute the majority of the Association’s 7% 93% revenue. Income from 4% 4% this category increased 1% 1% 2% Rent and Service Charges 93% by 9% in comparison Factoring 1% to 2012. This increase Care & Repair 4% was due to a 5.3% rental increase and Management 28% Depreciation 22% Other 2% Grants 2% additional income from Maintenance 19% Care & Repair 4% Interest Paid 12% Wider Action 1% the Maukinhill Phase Service Costs 4% Wider Action 1% Stage 3 1% 4 development which Bad Debts 1% Exceptional Costs 7% Interest Received 0% was completed during the year. Income in Management costs, maintenance costs and interest paid on housing loans relation to Wider Role still make up the majority of the Association’s expenditure. Maintenance costs 4% 1% 2% 1% 1% activities decreased in exceeded £1m in 12/13 from £736k in 11/12. One-off exceptional costs of the year to £33k due to £377k related to legal & professional fees incurred as a result of an intensive reduced external grant governance and financial review coupled with the constitutional review with funding. Oak Tree Housing Association. All costs relating to the Care & Repair service were funded via grant from Inverclyde Council.

16 17 Management Committee And Staff Team

Management Committee (As at 31st March 2013)

Monica Sheekey Chairperson Peter Galbraith Member Jackie McKelvie Member Jane Cheshire Secretary Patricia Gallagher Member Margaret McKay Member Michael Clarke Member Ruth Henderson Member Danny McMillan Member Kelly Ferns Member Brenda Higgins Member Julianne Scarlett Member

Staff (As at 31st March 2013) Paul McVey General Manager Housing Services Property Services Mary Campbell Office Services Manager Mary MacDonald Senior Housing Officer (PT) Andrew Cassels Senior Maintenance Officer Andy Thomson Housing Manager Nicola Findlay Senior Housing Officer (PT) Charlie Conaghan Maintenance Officer Elaine McShane Property Services Manager Alison McManus Housing Officer Kenny McLaughlan Maintenance Officer Kathryn Cooper Care & Repair Manager (PT) Caroline Orr Housing Officer (PT) Jehad Kalla Maintenance Assistant Kathleen Wingate Housing Officer (PT) Lynn McConnachie Maintenance Assistant Office Services Esther Pollock Housing Assistant (PT) Katrina McNeill Factoring Assistant (PT) Shonaid Musgrove Office Services Lorraine Gray Housing Assistant (PT) Administrator (PT) Patricia Broom Housing Assistant Care & Repair Kelly MacLean Office Services Assistant Lynne Reid Customer Services Officer Helena Tuer Project Officer Michelle Bell Housekeeper Mareta Greig Customer Services Officer Margaret Caven Project Officer (PT) (PT/Mat leave) Julie McKay Customer Services Brian McEwen Technical Officer (PT) Margaret Douglas Housekeeper (PT) Assistant Alan Locke Technical Officer (PT) Elaine Trainor Housekeeper Julie McGonigle Customer Services Jim McFarlane Small Repairs Officer (PT/Mat Cover) Assistant John Magee Small Repairs Officer Margaret Tosh Clerical Officer (PT) Kimberley Keogh Project Assistant (PT)

18 CLOCH HOUSING ASSOCIATION LIMITED 19 Bogle Street, Greenock PA15 1ER Telephone: 01475 783637 Fax: 01475 728647 Email: [email protected] • Website: www.clochhousing.org.uk

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Registered with Scotland Housing Regulator (HEP 91), Registered with the Financial Services Authority No 1893 R(s)). Cloch Housing Association Limited is a subsidiary of Oak Tree Housing Association Group and is a charity registered in Scotland number SC013996