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Friends of Halesworth County Library Minutes of Meeting of the Trustees
Friends of Halesworth County Library Minutes of meeting of the Trustees held on 29th October 2019 Present: Alison Britton (Chair), David Borer, Natalie Evans, Sheila Freeman, Nigel Frostick, Julie Gulliver, Evelyn Lindqvist, Irene Thomas Actions 1. Welcome & Apologies: Yvonne Sandison. Apologies 2. Minutes • Minutes of meeting held 17th September were read and approved. 3. Matters arising • Transportation – A response from Emma Healey is still awaited. Alison AB and not elsewhere attended the Halesworth Volunteer Centre AGM on 17th October but did not on agenda have a chance to speak with Emma. But co-operation with the Library was mentioned in the HVC future plans! • Alison will ask David Hopkins to investigate a new screen and projector as he AB has knowledge of the previous one. • Christmas Raffle Prizes – it was agreed that Trustees would contribute to the AB purchase of two “One4all” gift cards – one for £100 and one for £50. 4. Updates David Borer reported: Treasurer’s report • Receipts: Donations £439.79 inc. a £100 from the Woolnoughs which Alison has acknowledged. £422.05 Antique Street Market; Income from donated items £144.10; £15.26 interest on savings account. Total receipts: £1,333.01 • Outgoing Payments: £1,828.64 shelving; EPS Banner £75; ReadySpex re-stock £139.92; petty cash £71.99. Total £2,115.95 • Balances: Petty cash £164.84 Current account £9,080.80 Savings account £30,275.31 Current Total: £39,520.95 5. Sorting Friends Bank account signatories for the • It was decided that the treasurer is to be the HSBC main account holder. bank accounts Alison Britton to remain a signatory and two new signatories to be added: Julie Gulliver and Evelyn Lindqvist. -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
Retail Monitoring Survey 2015
Retail Monitoring Survey 2015 1 Retail Monitoring Survey 2015 Retail Monitoring Survey 2015 As part of the Council’s ongoing monitoring work, a Retail Monitoring Survey is undertaken. The survey covers retailing within town centres (AP56) and district centres (AP59) identified as such within the 2001 Local Plan policy1. Town Centre reports – May 2015 Aldeburgh Felixstowe Framlingham Leiston Saxmundham Woodbridge District Centre reports – May 2015 Cavendish Park, Felixstowe 1 Grange Farm, Kesgrave The Square, Martlesham Heath Walton High Street Wickham Market This information helps monitor the viability and vitality of existing retail centres and has helped inform changes to town and district centre boundaries. Additional data concerning retailing in the district can be found in the annually updated Authority Monitoring Report (AMR). 1 Sycamore Drive, Rendlesham not monitored. Retail Monitoring Survey 2015 TOWN CENTRES FELIXSTOWE TOWN CENTRE SHOPPING USES - May 2015 ADDRESS NO. NAME AREA (sq USE FORMER USE IF CHANGED WITHIN YEAR or IS VACANT m) CLASS HAMILTON Rd,East 2 Vacant 95 A1 Coes Menswear 4 Taxi office no sign on door or anything 18 SG Coastal Taxis 6 The Card Centre 67 A1 8 San Moi Oriental – Noodle Bar & Restaurant 104 A3 China Garden – chinese restaurant 10 Tony`s Star Nails – nail bar 88 A1 Vacant 12 The Thrifty Thistle 44 A1 Vacant 14 Hair Artistry 84 A1 Vogue Hair Company 16 Café on the Corner 126 A3 Vacant 18-20 Barclays bank 480 A2 2 22 Trinity Methodist Church 555 D1 24 Vacant 72 A2 Ashton K C J - solicitors 26 Madison -
IBS Annual Review 2018.Pdf
Established 1849 Includes summary financial statement for year ended 30 November 2018 growing closer One of the most significant events of the year was the introduction of the General Data Protection Regulation, a complex project which we worked efficiently and diligently to comply with. Membership and branches Chairman’s summary 4 As a mutual we place great importance on the 170 Years of “The Old Freehold” 5 satisfaction and support of our members and work All In 6 to meet their needs. Community matters 8 The demand for our face-to-face services saw us Savings & Mortgages 10 open new premises at a time when other financial Introducing our Board 12 service providers have closed branches. We are Summary Financial Statement 14 facing increasing demand for complementary Directors’ Remuneration Report 18 online services and are making good progress with this project which will remain a focus in the coming year. Supporting home ownership Looking back By employing an expert, manual approach to underwriting we understand the personal at 2018 circumstances behind each mortgage A welcome from Richard Norrington, application enabling us to be innovative with Chief Executive our mortgage lending. We introduced new products specifically designed With a backdrop of continuing economic for borrowers aged 50 plus, offering no maximum uncertainty, we began our financial year positively age restriction at the end of the mortgage deal. with a commitment to our face-to-face services, Borrowing in later life brings with it a set of unique opening two new premises in the existing branch needs as well as changing sources of income towns of Ipswich and Woodbridge. -
Part VII Transfers Pursuant to the UK Financial Services and Markets Act 2000
PART VII TRANSFERS EFFECTED PURSUANT TO THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 www.sidley.com/partvii Sidley Austin LLP, London is able to provide legal advice in relation to insurance business transfer schemes under Part VII of the UK Financial Services and Markets Act 2000 (“FSMA”). This service extends to advising upon the applicability of FSMA to particular transfers (including transfers involving insurance business domiciled outside the UK), advising parties to transfers as well as those affected by them including reinsurers, liaising with the FSA and policyholders, and obtaining sanction of the transfer in the English High Court. For more information on Part VII transfers, please contact: Martin Membery at [email protected] or telephone + 44 (0) 20 7360 3614. If you would like details of a Part VII transfer added to this website, please email Martin Membery at the address above. Disclaimer for Part VII Transfers Web Page The information contained in the following tables contained in this webpage (the “Information”) has been collated by Sidley Austin LLP, London (together with Sidley Austin LLP, the “Firm”) using publicly-available sources. The Information is not intended to be, and does not constitute, legal advice. The posting of the Information onto the Firm's website is not intended by the Firm as an offer to provide legal advice or any other services to any person accessing the Firm's website; nor does it constitute an offer by the Firm to enter into any contractual relationship. The accessing of the Information by any person will not give rise to any lawyer-client relationship, or any contractual relationship, between that person and the Firm. -
Reference Banks / Finance Address
Reference Banks / Finance Address B/F2 Abbey National Plc Abbey House Baker Street LONDON NW1 6XL B/F262 Abbey National Plc Abbey House Baker Street LONDON NW1 6XL B/F57 Abbey National Treasury Services Abbey House Baker Street LONDON NW1 6XL B/F168 ABN Amro Bank 199 Bishopsgate LONDON EC2M 3TY B/F331 ABSA Bank Ltd 52/54 Gracechurch Street LONDON EC3V 0EH B/F175 Adam & Company Plc 22 Charlotte Square EDINBURGH EH2 4DF B/F313 Adam & Company Plc 42 Pall Mall LONDON SW1Y 5JG B/F263 Afghan National Credit & Finance Ltd New Roman House 10 East Road LONDON N1 6AD B/F180 African Continental Bank Plc 24/28 Moorgate LONDON EC2R 6DJ B/F289 Agricultural Mortgage Corporation (AMC) AMC House Chantry Street ANDOVER Hampshire SP10 1DE B/F147 AIB Capital Markets Plc 12 Old Jewry LONDON EC2 B/F290 Alliance & Leicester Commercial Lending Girobank Bootle Centre Bridal Road BOOTLE Merseyside GIR 0AA B/F67 Alliance & Leicester Plc Carlton Park NARBOROUGH LE9 5XX B/F264 Alliance & Leicester plc 49 Park Lane LONDON W1Y 4EQ B/F110 Alliance Trust Savings Ltd PO Box 164 Meadow House 64 Reform Street DUNDEE DD1 9YP B/F32 Allied Bank of Pakistan Ltd 62-63 Mark Lane LONDON EC3R 7NE B/F134 Allied Bank Philippines (UK) plc 114 Rochester Row LONDON SW1P B/F291 Allied Irish Bank Plc Commercial Banking Bankcentre Belmont Road UXBRIDGE Middlesex UB8 1SA B/F8 Amber Homeloans Ltd 1 Providence Place SKIPTON North Yorks BD23 2HL B/F59 AMC Bank Ltd AMC House Chantry Street ANDOVER SP10 1DD B/F345 American Express Bank Ltd 60 Buckingham Palace Road LONDON SW1 W B/F84 Anglo Irish -
LV= FLEET INSURANCE – POLICY SUMMARY Some Important Facts About Your Fleet Insurance Are Summarised Below
Policy Underwritten by: Highway Insurance Company Ltd, LV Brentwood, PO Box 9104, Bournemouth, BH1 9DB LV= FLEET INSURANCE – POLICY SUMMARY Some important facts about your Fleet Insurance are summarised below. This summary does not describe all the terms and conditions of your policy so please take time to read the policy document to make sure you understand the cover it provides. This policy is valid for a calendar year. Policy section Features and benefits included Significant exclusions or information automatically limitations can be found in Third Party Cover – Third party Excludes : liability: Unlimited indemnity in respect of death or injury to third . Any amount above £ 5,000,000 for damage to other people’s property when caused by an insured parties (including passengers). Limited cover for damage commercial vehicle or motorcycle or any amount over to other people’s property. £ 20,000,000 for damage to other people’s property when caused by an insured private car and any amount Legal Representation and Costs – above £ 5,000,000 for costs and expenses incurred. Reasonable legal costs and expenses . Loss or damage to the insured vehicle. for representing the Insured at an inquest or enquiry or defending . Any property in the vehicle. charges of manslaughter or causing 1 death by dangerous driving. Death or injury to the person driving the insured vehicle. Towing – Cover is extended under this section while the Insured vehicle is . Liability for death, injury or damage when loading or legally towing a caravan, trailer or unloading when not on a public road. broken down vehicle. We will pay for emergency medical treatment up to the Emergency Medical Treatment – limits specified in the Road Traffic Acts. -
ANNUAL REPORT Year Ended 30 November 2020 Year Ended 30 November 2020
ANNUAL REPORT Year ended 30 November 2020 Year ended 30 November 2020 2 www.ibs.co.uk Contents 4 Chairman’s Report 6 Chief Executive’s Report 9 Directors’ Report 16 Corporate Governance Report 24 Directors’ Remuneration Report 26 Statement of Directors’ Responsibilities 27 Independent Auditor’s Report 32 Statement of Comprehensive Income 33 Statement of Financial Position 34 Statement of Changes in Members’ Interests 35 Statement of Cash Flows 36 Notes to the Accounts 68 Annual Business Statement 69 Information Relating to Directors 2020 3 Year ended 30 November 2020 Chairman’s Report Despite the impact of COVID-19 on all UK businesses Ipswich Against this backdrop the overall results of the business Building Society has remained firmly open for business. We also demonstrate our strengthened resilience. Highlights of the have seen continued growth in mortgages and improved our year were: capital position, whilst continuing to deliver exceptional service to • Strong targeted mortgage completions of £123m (2019: members thanks to outstanding levels of colleague engagement £115m). Our targeted approach delivered a strong net interest and maintaining our ongoing support to our communities. margin of 1.8% (2019: 1.8%) on a total book of £568m at year The year has clearly been dominated by the COVID-19 pandemic end (2019: £523m). which has brought concerns about health and wellbeing for many • Savings balances increased by £21m taking overall deposits to of our members as well as having a significant economic impact. a pleasing £624m (2019: £603m). The efforts to control the pandemic have been considerable and I would like to thank all key workers in the UK for everything they • Despite the pressures of the pandemic we recorded continued have done for us during this time; their spirit and hard work has supportive feedback from members, with the Society’s overall Net been inspirational. -
Insurance Proposition Summary July 2020
Insurance Proposition Summary July 2020 Product type Product name Provider Whole of life assurance Zurich Whole of Life Plan Zurich Assurance Limited Term life assurance Life Insurance+ Aviva Life and Pensions UK Limited Guardian Financial Services Limited (an appointed Life Protection representative of Scottish Friendly Assurance Society) Life Insurance Legal & General Assurance Society Limited Flexible Protection Plan – Life Protection Liverpool Victoria Friendly Society Limited Real Life The Exeter Friendly Society Limited Managed Life The Exeter Friendly Society Limited VitalityLife Plan VitalityLife Essentials Plan VitalityLife Limited Mortgage Plan Personal Protection Zurich Assurance Limited Serious/Critical Critical Illness+ Aviva Life and Pensions UK Limited Illness insurance Guardian Financial Services Limited (an appointed Critical Illness Protection representative of Scottish Friendly Assurance Society) Critical Illness Legal & General Assurance Society Limited Flexible Protection Plan - Life & Critical Illness Liverpool Victoria Friendly Society Limited VitalityLife Plan VitalityLife Essentials Plan VitalityLife Limited Mortgage Plan Personal Protection Zurich Assurance Limited Income Income Protection+ Aviva Life and Pensions UK Limited protection insurance Living Costs Protection Aviva Life and Pensions UK Limited Income Protection Legal & General Assurance Society Limited Flexible Protection Plan - Income Protection Liverpool Victoria Friendly Society Limited Flexible Protection Plan - Personal Sick Pay Liverpool Victoria -
2019 Insurance Fact Book
2019 Insurance Fact Book TO THE READER Imagine a world without insurance. Some might say, “So what?” or “Yes to that!” when reading the sentence above. And that’s understandable, given that often the best experience one can have with insurance is not to receive the benefits of the product at all, after a disaster or other loss. And others—who already have some understanding or even appreciation for insurance—might say it provides protection against financial aspects of a premature death, injury, loss of property, loss of earning power, legal liability or other unexpected expenses. All that is true. We are the financial first responders. But there is so much more. Insurance drives economic growth. It provides stability against risks. It encourages resilience. Recent disasters have demonstrated the vital role the industry plays in recovery—and that without insurance, the impact on individuals, businesses and communities can be devastating. As insurers, we know that even with all that we protect now, the coverage gap is still too big. We want to close that gap. That desire is reflected in changes to this year’s Insurance Information Institute (I.I.I.)Insurance Fact Book. We have added new information on coastal storm surge risk and hail as well as reinsurance and the growing problem of marijuana and impaired driving. We have updated the section on litigiousness to include tort costs and compensation by state, and assignment of benefits litigation, a growing problem in Florida. As always, the book provides valuable information on: • World and U.S. catastrophes • Property/casualty and life/health insurance results and investments • Personal expenditures on auto and homeowners insurance • Major types of insurance losses, including vehicle accidents, homeowners claims, crime and workplace accidents • State auto insurance laws The I.I.I. -
LV Insurance Company Limited Report and Financial Statements
COMPANY REGISTRATION NUMBER: 03232514 LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED _________________________ REPORT AND FINANCIAL STATEMENTS _________________________ FOR THE YEAR ENDED 31 DECEMBER 2019 LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED REPORT AND FINANCIAL STATEMENTS 2019 CONTENTS Page Directors, officers and registered office 3 Strategic report 4 Directors’ report 18 Independent auditors’ report 20 Statement of Comprehensive Income 27 Statement of Changes in Equity 28 Statement of Financial Position 29 Statement of Cash Flows 30 Notes to the financial statements 31 LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED DIRECTORS, OFFICERS AND REGISTERED OFFICE Directors D B Barral Resigned 31 December 2019 A R Cook Resigned 31 December 2019 J M Dye R O Hudson K P Wenzel Resigned 31 December 2019 R A Rowney Resigned 31 December 2019 S Treloar D S Neave Resigned 31 December 2019 B D Smith Resigned 31 December 2019 D A Torrance Appointed 1 January 2020 D J Larnder Appointed 1 January 2020 C W T Dinesen Appointed 1 January 2020 N C Peiris Appointed 1 January 2020 R M Munson Appointed 1 January 2020 F K Dyson Appointed 1 January 2020 Company Secretary M P Jones Resigned 31 December 2019 T A Beicken Appointed 1 January 2020 Registered office 57 Ladymead Guildford Surrey England GU1 1DB Tel: 01202 292333 Independent Auditors PricewaterhouseCoopers LLP Chartered Accountants and Statutory Auditors 7 More London Riverside London SE1 2RT 3 LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED (COMPANY REGISTRATION NUMBER: 03232514) STRATEGIC REPORT 1. Results and dividends The profit after tax for the year attributable to the shareholders is £72,330,000 (2018: £71,082,000) as set out on page 17. -
1 an Evolutionary Perspective on the British Banking Crisis Abstract
An Evolutionary Perspective on the British Banking Crisis Abstract Developing an evolutionary perspective towards the changing anatomy of the banking sector reveals the enduring tensions and contradictions between spatial centralisation and the possibilities for decentralisation before, during and after the British banking crisis. The shift from banking boom to crisis in 2007 is conceptualised as a significant and on-going moment in the long-term evolution of the historical institutional-spatial dominance of London over other city-regions in Britain. The analysis demonstrates the importance of the institutional and geographical legacies of the British national political economy and variegation of capitalism established in the later nineteenth and early twentieth centuries in shaping contemporary geographical outcomes. Regulatory changes combined with financial innovation in the latter years of the twentieth century to create an opportunity for English regional and Scottish banks excluded from previous institutional-spatial centralisation to expand excessively and consequently several failed in the banking crisis. The paper considers the future trajectory of institutional-spatial centralisation in the banking sector amidst the continued spatial restructuring of the banking crisis, involving a re-drawing of organisational boundaries, overlapping institutional and technological changes and unprecedented uncertainty about the impact of Brexit on Britain’s wider political and economic landscape. Banking crisis evolutionary geographical political