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h c o l C r u o Y Winter 2020

A ssociation g in s u o H h c sletter of Clo w e N l ia c ffi O T he inclu

des Annual : Report and An Card Complanual in Report ts

95.5% OF VOTERS SUPPORT CLOCH BEING INDEPENDENT Cloch tenants have voted “Yes”, to separate from Oak Tree Housing Association and restore their status as an independent Housing Association. An overwhelming 95.5% of those that voted opted for separation and we would like to thank you all for your support. After a summer long consultation, heavily restricted by the pandemic and subsequent lockdown, Cloch’s tenants had 28 days to vote on whether or not to separate. Cloch worked with UK Engage, an independent ballot provider, to offer tenants the options to vote online, by phone or by post. Tenants were also supported by the Tenant Information Service (TIS) who acted as their Independent Tenant Advisors. After the success of the ballot, the next stage will be to call a Special General Meeting, where the membership will be asked to vote on the proposal and adopt a new set of Model Rules with no parent inclusion. The SGM is planned to take

place just before the Christmas break and using an online platform. Paul McVey, Director of Cloch said, “I am aware that this is a relatively unique situation where 2 RSLs disengage from a Constitutional Partnership, but this is a positive step for both Cloch, Oak Tree and the wider housing sector. Our partnership was borne out of crisis in 2012 and through the years both RSLs operated independently with different strategies and cultures. A robust Options Appraisal with both governing bodies explored a range of opportunities and possibilities, including a Transfer of Engagements, however the preferred option supported by both Boards, was to separate whilst continuing to share services where practical and appropriate. Our shared service arrangements have worked really well in recent years, and we see no reason that this cannot continue for many years to come. I would like to thank Oak Tree Housing Association for allowing Cloch to flourish over the years when faced with potential merger. Our future is a result of Oak Tree stepping in and providing

security at a time when it was needed, and then stepping back out when the time is right. This has allowed the assets of Cloch and its communities to remain with Cloch and its communities.” Brian Corrigan, Chair of Cloch said, “The Board and staff of both housing associations have worked hard to allow Cloch to grow, modernise and progress since we linked together in 2012. This separation proposal is the next step in allowing Cloch to continue to offer great services to their tenants in Inverclyde. I am pleased that despite lockdown we were able to demonstrate high engagement with our tenants and support for the separation option.” Sharon Tritschler, Chair of Oak Tree said, “The separation of Oak Tree and Cloch will mean that both organisations can focus on being the best they can be for their own tenants and customers. The Oak Tree Board and staff team wish Cloch continuing success, as a local community based independent Housing Association.”

OFFICE CHRISTMAS CLOSURE The Association will close for the Christmas holidays from: 2pm on Thursday 24th December 2020. If you have an emergency repair please call the Office And re-open on Wednesday 6th January 2020 at 9am. number 01475 783637 and follow the prompts.

The Board and Staff of the Association would like to wish everyone a happy and safe Christmas and best wishes for the New Year.

CHANGE AND INVESTMENT FOR WELLPARK The Wellpark area of Greenock is a key part of our housing stock however in recent years, small areas have become harder to let due to perceptions of the areas being either less secure or less welcoming. Cloch has been listening and consulted with residents about what their concerns or wishes were for the future of Wellpark. As well as highlighting the need for investment, residents point to the number of empty properties and concerns about anti social behaviour. Wellpark is an area of mainly one and two-bedroom older tenement flats and therefore is a mixture of single person and smaller families. Cloch has now started a major refurbishment of Lyle Street, Regent Street and Lynedoch Street properties. We have deliberately held properties empty while our investment programme can be developed and we have brought forward approximately £400,000 of major works which includes replacement of items such as radiators, pipework and heating systems, windows and rewiring. In some cases kitchens and bathrooms are being renewed too. We will then focus on those properties due these works in 2021 and look to offer the improved properties where possible instead of doing the work while they are in the home. A considerable amount of money

is being spent upgrading properties in Wellpark and it is hoped that this will make them more secure and comfortable for our tenants. One close is being completely emptied and tenants are being relocated to other suitable accommodation. This close will become supported accommodation and Cloch intends to enter into a partnership with the Inverclyde Health and Social Care Partnership as support providers. Work will be ongoing in Wellpark throughout 2021 and we will be updating Wellpark Residents by newsletter as plans develop. In support of this work, the Association will introduce a Local Lettings Initiative for the Wellpark area. This is in response to the high number of empty properties in the area and the issues that this can cause. The letting criteria for the Wellpark area will change and changes could include local connection priority, key worker status priority, or exclusions/restrictions for some groups. The Local Lettings Initiative will be developed in line with legislation and good practice guidelines.

Four New Board Members Join Cloch We are delighted that we have successfully recruited four new voluntary Board Members over the summer. Just before and during lockdown, we had lost a few long-serving Board Members due to a variety of circumstances. The Board can have up to 12 members and we were down to eight. We wanted to ensure that the recruitment of new Board Members didn’t stop just because

of lockdown. The Board are the heart and soul of Cloch and as we go into our new era as an independent organisation, it must be accountable and on top of all our business needs. As well as a busy recruitment programme, the Board held their first virtual AGM this September. Normally the Annual General Meeting of our members take place at the Beacon in Greenock, but this

year, due to the Covid restrictions, it was held on Zoom. Support was given to the membership to help them get on to Zoom and everyone had to learn new protocols around how to ask a question and how to vote. In the end, we achieved the same attendance levels as in previous years and it went smoothly. The only regret was that there was not the normal cup of tea and finger buffet at the end.

Meet the recruits:


Alan Hutchinson is a semi-retired Quantity Surveyor. Alan had been on our Board in the early ’90s and now that he has a bit more time on his hands was keen to get back and to bring his decades of experience in the housing sector to the Board.

June McIntosh is a tenant and a Nurse Manager. June brings with her many years of managerial experience, community work, and, of course, her own experience as a tenant at Cloch.

Ken Robertson is also semi-retired. He runs his own architects firm and would like to use his knowledge and experience of housing and property maintenance on the Board. He is now Chair of our Finance & Corporate Services Sub-Committee.

David Brown is a retired businessman. His career took him all over the world and his experience of procurement and business management will no doubt prove invaluable for Cloch. Your Cloch

First Virtual AGM Cloch members attended their first-ever virtual Annual General Meeting (AGM). The AGM was held in September and the Agenda for the meeting covered its usual business, but what was unusual is everyone attended on the virtual platform Zoom. With the pandemic stopping our meeting from being held in the one space, staff had to come up with a new way to work. It was helped that UK legislation governing these kinds of meetings allowed us to hold a virtual AGM where before this would have not been allowed. Arrangements were put in place to support members who had never used Zoom before and the Auditor was able to join us virtually to give

his presentation. The Chair for the last 4 years, Julianne Scarlett, was standing down and gave her last presentation as Chair. She talked about the work at Cloch during 2019 - 2020 which included the start of the new development at Kings Glen; our consultation and introduction of the Rent Rationalisation project; the Options Appraisal which would decide the future direction of Cloch and Oak Tree and of course, the fact that the financial year ended with staff moving out of the office at the start of lockdown and the world changed for many months to follow. After the meeting, the Board elected Brian Corrigan as Chair. Brian has been on the Board for

a couple of years and comes with a background in housing, community development, and charity work. Brian commented, “Cloch has been very fortunate to have Julianne at the helm for the last few years and she had really made a difference to the governance of Cloch and led by example. I will do all I can to take over the mantle of Chair and with the support of the other Board Members and staff team, help to steer Cloch in the right direction serving our communities and customers as best we can.”

Funding strengthens homelessness prevention work The tenancy sustainment project delivered by the Simon Community and run by Cloch, Oak Tree and Larkfield HA has received £65k funding from the Scottish Government’s Homelessness Prevention Fund. The 3-year fund supports projects that contribute to reducing child poverty and preventing homelessness.  This autumn saw Cloch receive a £65,000 grant to support Homelessness Prevention. The fund will be used to extend the current service provision for tenancy sustainment and homeless prevention in our communities by working with people who are struggling to maintain their tenancies or need additional support or assistance. Tracey Blair is the support worker who delivers this service locally on behalf of the Simon Community, and with this funding, the project can continue and expand. Andy Thomson, Housing Services Manager said, “Tenancy sustainment is aligned with Cloch’s values and is a huge part of the work of the housing services team; Tracey’s support for the most vulnerable tenants or those experiencing short-term

The Official Newsletter of Cloch Housing Association

issues affecting their tenancy means that we can help people stay long term in social housing rather than be faced with homelessness. This is the first step in a package of initiatives that the Association hopes to roll-out over the coming months to help more tenants sustain their tenancies in these unprecedented times.”


ENERGY ADVICE PROJECT coming soon In October, Cloch received a grant of £162K from the Energy Industry Voluntary Energy Redress Scheme. This grant means that two energy advisors, called Energy Activators, will be working on behalf of Cloch, Oak Tree, and Larkfield Housing Associations until the autumn of 2022. The aims of the project are to • Provide help to tenants who struggle to heat their homes. This will include assistance to get the household on to the right tariffs, help to apply for available grants, and training on how to manage their heating system to gain the maximum benefit. • Hold energy cafes throughout the areas where the housing associations operate. Not only will the cafes allow an

open door to anyone looking for energy advice, but the Energy Activators will also identify local volunteers who would like to be trained in giving energy advice. By doing this, the project leaves a legacy in the community where there are energy champions who can continue to advise after the project ends. • To provide training and mentoring in the local community towards a recognised qualification, hopefully opening up employment opportunities for those involved. The project is in partnership with the Wise Group. Cloch has worked with the Wise Group before and is looking forward to working with them again over the next two years. The new Energy Activators will be contacting tenants in the early part of 2021 and the Associations will be posting details of their service.

Lift after lockdown A planned replacement of a lift at our sheltered complex, Elliot Court, went without a hitch as soon as work could begin after lockdown. The lift was due to be installed just as lockdown was being announced in March. A stairlift was installed into Elliot Court as a backup to the old lift while the replacement was on hold, but we are now delighted that our contractor, Classic Lifts was able to install it successfully. Michelle, the warden said, ”Residents are delighted and feel that bit safer that they have a new modern lift which will serve them for many years to come.”

Christmas Charity Donations Every year, Cloch sets a small amount to donate to local community groups and charities. This year we are delighted to announce that the following charities will benefit from donations. Inverclyde Foodbank (£400), providing food parcels all year round and festive cheer with Christmas Hampers and Children’s toys. Samaritans Inverclyde (£400) – Every seven seconds, the Samaritans respond to a call for help. No judgement. No pressure. They are there for anyone who needs someone. And in 2021, Cloch will be campaigning about Suicide Prevention and Young Men. Man On Inverclyde (£400) is a relationship-based, peer support network based in Inverclyde, providing a safe space for men to meet, chat, and share. Their mission is to prevent self-harm and suicide among men.


Women’s Aid Inverclyde (£400) – providing advice and temporary accommodation to women, young people and children fleeing domestic abuse. In 2020, Cloch signed up to the “Make a Stand” Pledge and is currently training staff on how to support tenants or staff who suffer from Domestic Abuse. Children in Poverty (£400) – their aim is that no child in Inverclyde should feel stigmatised or marginalised because of the impact of poverty. During the lockdown, Cloch sent out activity packs to our under-5’s in our households and launched the Young Clochie Club. Starter Packs Inverclyde’s mission is to help eliminate some of the problems people face in the initial stages of setting up home after a period of homelessness by providing a Starter Pack of essential household items. Cloch already supports this excellent charity, but for Christmas they have sent out an appeal for teabags and cleaning goods. We donated £70. Your Cloch

COMPLAINTS REPORT 2019/2020 Cloch deal with complaints differently from most other Housing Associations. We welcome them and record any dissatisfaction – people don’t need to say “I want to complain” – we look to identify areas where things could be better and as a result make sure we keep track of all areas where we receive anything less than full satisfaction. On a monthly basis we hold Complaints Review Meetings to examine what the data tells us and make changes to improve on areas that cause concern. Our approach is supported and endorsed by the Scottish Public Services Ombudsman (SPSO). 2019/2020


Total No. of Complaints

Total Upheld

Total No. of Complaints

Total Upheld





SPSO 1 Complaints (front line complaints)

SPSO 2 Complaints (Serious complaints)

% completed on time

Average days to complete

% completed on time

Average days to complete













To be completed within 5 working days.

To be completed within 20 working days.

Equalities complaints

Complaints escalated to the Scottish Public Service Ombudsman (SPSO)

(those where the complainer feels they were discriminated against)

These are complaints where the complainer feels Cloch has not resolved the complaint correctly and refer it on to the SPSO No. Reported

No. Upheld







COMPLIMENTS always Service is ss in first cla u do! yo everything

No. Reported

No. Upheld







Staff record compliments that come to us from customers. It is just as important for us to hear what we are doing well

work Mrs H is delighted with the ne that the landscapers have do es vic ser rty pe and can’t thank pro s. ort enough for all their eff

Thanks to the girl from custo connections who was lovely mer dealt with my issue beautifuland ly.

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Thanks for the efficiency in dealing with my question

as The Staff Member w seen great, I have neverand someone so kind helpful. 5

Cloch Housing Association Ltd – Report Card 2019/20 A close scrutiny of our Annual Return on the Charter Housing Associations, like Cloch, are required to report their performance in achieving or progressing towards the Charter outcomes and local standards by October each year, although due to COVID, this year it was extended to December. This is our “report card” and we would encourage you to focus on our performance and consider how we compare to last year and to the national average for Scottish social housing landlords.

Profile of Cloch No of selfcontained houses

Total rent due in year

Areas of operation



Greenock, Port Glasgow, Inverkip

Your Weekly Rents Cloch increased your weekly rent on average by 2.8% during 2019/20.

Average Weekly Rents (including service charges) for self contained units No of self contained units Owned 6

1 apt



4 apt


No of self contained units Owned 250

No of self contained units Owned 377

2 apt




No of self contained units Owned 19

5 apt

No of self contained units Owned 715

3 apt




Key Cloch HA 2019/2020 Cloch HA 2018/2019

£103.99 £100.92





Scottish Average

Tenant Satisfaction

Of the tenants who responded to our recent tenant satisfaction survey:Satisfaction with overall service

Cloch HA 2019/2020


Satisfied with opportunities to participate in decision making

Cloch HA 2019/2020

Scottish Average

89.2% 6

Good at keeping them informed of its services and outcomes


Scottish Average


Cloch HA 2019/20

*our last full tenant satisfaction survey was carried out in 2019


Scottish Average


Your Cloch

Quality & Maintenance of Homes Homes that met the Scottish Housing Quality Standards Cloch HA Cloch HA Scottish 2019/2020 2018/2019 Average


100% 94.4%

Average time to complete emergency repairs

Average time to complete non-emergency repairs

Cloch HA Cloch HA Scottish 2019/2020 2018/2019 Average

2.3hrs 5.42hrs 3.6hrs

Cloch HA Cloch HA Scottish 2019/2020 2018/2019 Average 4.4days 5.57days 6.4days

Reactive repairs completed “right first time”

Satisfaction with the service received for tenants who had repairs or maintenance carried out in last 12 months

Cloch HA Cloch HA Scottish 2019/2020 2018/2019 Average

Cloch HA Cloch HA 2019/2020 2018/19

95.6% 84.23% 92.4%


Scottish Average

86.8% 92.4%


For every 100 Cloch homes, 12.16 cases of anti-social behaviour were reported in the last year. Cases that were resolved within targets agreed locally

Cloch HA 2019/2020

Cloch HA 2018/2019


Scottish Average



Value for Money Out of our total rent due in the year, the amount collected for current and past rent was equal to Cloch HA 2019/2020


Cloch HA 2018/2019


Scottish Average

Rent not collected because homes were empty Cloch HA 2019/2020


Cloch HA 2018/2019


Scottish Average



Average re-let times Cloch HA 2019/2020

27.7 days

Cloch HA 2018/2019

33.45 days

Scottish Average

31.8 days

Want to know more? If you want to find out more about our performance, contact us directly. Alternatively, the Scottish Housing Regulator’s website has lots of further information about Cloch and the work of the Regulator.

You can: • Compare Cloch’s performance with other landlords’; • See all of the information we report on the Charter and;

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• Find out more about the role of the Regulator and how they work. Or, visit either website at www.scottishhousingregulator.gov.uk www.clochhousing.org.uk


BOREDOM SMASHED BY ACTIVITY PACKS Cloch gave out over 300 activity packs this summer to our Under-5’s. We managed to secure £4.5k of funding for an activity pack each month for 3 months to beat the boredom and give a bit of fun to kids and their families while we still were gripped by the restraints of lockdown. The packs were themed and had activities to do with arts & crafts, cooking and gardening. Thank you to the Scottish Government’s Communities Support Fund for the grant and to MacMillan Books who donated 500 books for the project.

Young Clochie Club ready to launch for Cloch residents If you (or yours) are Under 5 and live in a Cloch house, you will already be receiving your free book every month from the Dolly Parton Imagination Library. And now, you are signed up for the Young Clochie Club. The Club is for 0 to 4 year olds and is all about reading, activities and generally having fun. In December, staff will be delivering Young Clochie Club packs to every Under-5. The packs are full of goodies and a special Christmas Card, designed by a Cloch member of staff. A new web page has been set up which will have activities and updates for our Under-5’s and at birthdays, a Young Clochie Birthday card will be sent out. Find us at www.clochhousing.org.uk/ Young_Clochie_Club


Cloch took the decision to start the club in 2019 and originally planned the launch in May 2020, however, the pandemic took over and staff focussed on other activities. So now, it is time for the Young Clochie Club to shine. The project is partially funded by L&D Services and the Dolly Parton Imagination Library. Know of someone who is Under-5 and in a Cloch household that doesn’t receive a monthly book? Contact us at the office and let us know.

Your Cloch


THE STORY SO FAR Since our last newsletter, Cloch has been adapting its services to ensure that we can continue with business as usual (or as far as possible) taking account of Government restrictions. As if the challenge of “Business as Usual” wasn’t enough we have also taken on major projects including our Separation Project, Wellpark Project (both reported elsewhere in the newsletter), and signing up a new Contractor, McDougall Group to carry out our reactive and void repairs. Our Services During full lockdown, tenants and owners will have noticed a stall in most of Cloch’s services however, after July, we were able to build up the services to near full capacity. In March, all our staff were sent home. However due to having excellent IT services we were still able to operate a reasonable level immediately. By July, a handful of staff returned to the office, although the office is still closed to the public, with the exception of appointments. Our office was

“covidified” as measures were put in place to ensure safe working, distance and hygiene were preserved in our office. One of the big projects this summer was installing a cloud-based phone system. This means that you can call the office as normal and although the staff is mainly working from home, you won’t notice because they can pick up and transfer your call just as if they are working in the office. This has been a huge improvement and many other Associations do not have that ability, leaving tenants to leave messages on mobile phone answer machines. We are now in full swing with our reactive repairs and have caught up on a backlog of over 400 repairs that were reported during lockdown. Staff and the Contractors are working in a COVID secure way and the service has settled down to what it was before lockdown. Our Gas Service was hit by an 8-week stoppage and the issue of no access because of the tenant’s self-isolating was a problem. Despite these setbacks, all gas services are now back on track. We know we have missed our full target of 100% completed services on time for this year, but then again, this is the situation for all social landlords throughout the UK.

We continue to pursue rent arrears and anti-social behaviour cases and we can ask tenants who need support to come into the office. As yet, staff will not visit tenant’s homes unless in extreme circumstances and then, using PPE and social distancing. Finally, we have been able to let properties since the middle of July. This caused a steady flow of allocations as we caught up with lets. Since October, we have returned this service to normal, although it is fair to say that the allocations for Kings Glen will keep us busy over the winter.

McDougall Group In lockdown, we were taken by surprise when our main reactive repairs contractor notified us that they were pulling out of all contracts in the Central Belt of Scotland. Property Services staff were then given the task of engaging a new contractor as quickly as possible while still following all the procurement rules. MPS stopped providing a service on 30th June 2020, and for 7 weeks, Homefix (a subsidiary of River Clyde Homes) was able to carry on providing emergency cover for which we were very thankful. A full procurement exercise gave us the McDougall Group as our new contractor for Reactive Repairs and empty home repairs. Paul McVey, Director at Cloch said, “The McDougall Group have worked with our team to start this contract

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very quickly and we are confident that the service they will provide in both reactive and void maintenance will match the high standards that we have set. They come with a solid reputation with customer service and tenant satisfaction at their core and we will work hard to make sure that this partnership works well for Cloch and its tenants.” We are now more than 3 months into the contracts and so far, we are delighted with their performance. As with all of our big contracts, Cloch will be looking to work with McDougall to ensure that the community benefits from this contract in the months and years ahead. More details will follow in future newsletters.


KINGS GLEN UPDATE It is just under 3 months before the first new tenants at Kings Glen move in to the new houses and flats. Our first new build development in many years is taking shape and the building site is beginning to look more like a housing estate. There will be 57 new homes - a mixture of 1 and 2 bedroom flats and 2,3 and 4 bedroom houses. Situated at the top of Kilmacolm Road on the site of the old Kings Glen Primary School, this new development is going to be a real asset to the local area and will soon be a home and community to many. The 3 streets in the development will be Kings Glen Place, Godman Place and Woodhead Road. Bidding for properties through the Inverclyde Common Housing Register (ICHR) took place in November and early

December and with that done, allocations to the properties will start early in the New Year. Anyone who put in a bid should not contact the Association just now while the staff works their way through the bids. Over 900 bids have been made for the properties. All allocations will be made using the ICHR Allocation Policy.

WANT TO STAY HOME AND ACCESS ALL OUR SERVICES? 2020 has been the year of going online for those of us fortunate enough to have access, and Cloch was already ahead of the game. For tenants and owners, we have an online portal, MyCloch, where you can carry out most of the activities of being a Cloch tenant while maintaining social distancing, self-isolation, or in between watching box sets on your couch. You can also check out communication between yourself and Cloch or explore Cloch publications etc. The portal will let you pay your rent, update your household details, request a repair (excluding emergencies), and make a complaint or compliment.


If you haven’t been one of the hundreds of tenants who have already signed up, why not give it a go. You can find it on our website, through our app, or simply by going to www.my.clochhousing.org.uk. Andy Thomson, Housing Services Manager has been instrumental in setting up the portal and he sees it as a huge step forward in improving our customer service for those of you who can go online. He said, “We have made the portal easy to use and packed with information and services. And in 2021 we are adding new services such as the ability to sign up new tenancies.” Need help to sign up and join a growing community of online tenants? Contact the office and we will put you in touch with someone that can talk you through how to get on to MyCloch. Go on, give it a go.

Your Cloch

PUDDLE JUMPERS PUSH TO COMPLETE SWIMATHON 2020 CHALLENGE Despite the challenges faced during lockdown and the pandemic, it didn’t stop our two resident swimmers from preparing to return to the pool to complete their team Swimathon 2020 5K challenge. Kelly and Richard, both Cloch employees, did what they could to keep fit during lockdown in preparation for their postponed swim. As lockdown eased Richard returned to open water swimming, taking what opportunity he could to

train. As the pools were announced as safe to reopen both Kelly and Richard decided, given the changing situation, to complete the challenge sooner rather than later. In September, they did just that. Both swimming separately they achieved a combined time of 1:48:41. Following on from their swims, they announced that they had raised £590 for the Swimathon Foundation. From there the total amount is split between two charities, which this year were Cancer Research UK and Marie Curie UK. They said,

“We’re delighted and grateful for everyone’s generosity, especially during this difficult and challenging time. It was great that despite the current situation faced globally, we were able to complete our challenge and in turn raise a great amount for 2 fantastic charities”. They hope that next year they can do the same again and continue to raise funds, making a difference. To find out more about the fantastic work both Cancer Research and Marie Curie UK do visit their websites at: Cancer Research UK: www.cancerresearchuk.org/ Marie Curie UK: www.mariecurie.org.uk/

STAYING SAFE AND WARM THIS WINTER With snow already topping the hills, it is time to think ahead. When travelling in the car, get ready for winter by packing a few essential items in your car. Your winter emergency kit

should include: • • • • • • • •

An ice scraper and de-icer A torch and spare batteries A shovel for snow Warm clothes, boots, and a blanket Some food and a warm drink in a flask A first aid kit Battery jump leads A map for any unplanned diversions

At Home: Close all doors, pull the curtains and use draft excluders to keep draughts out at night Use the timer on your central heating to ensure the heating is coming on at the right time for the morning (maybe 30 minutes before you get up). Or during particularly cold weather consider leaving your heating on constantly but keep it down low. If you can, move your sofa nearer the radiator. Make sure you are on the right tariff for you, call Home Energy Scotland for advice on this and more, 0808 808 2282, or visit their website at https://www. homeenergyscotland.org/ Know where your stopcock is, just in case there is a burst pipe. Keep the office telephone number at hand for those emergency out of hours boiler breakdowns and burst pipes Remember, if you are using candles at night please make sure you put them out before you go to bed.

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5 ways to get the kids to help at Christmas Involve children of all ages with your Christmas party planning and get them to lend a hand with simple recipes, decorations, and creative craft ideas. • Get kids in the kitchen

• Baking and desserts • Decorate with style • Homemade menus • Making easy drinks https://www.bbcgoodfood. com/howto/guide/5-waysget-kids-help-christmas

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CLOCH HOUSING ASSOCIATION LTD 19 Bogle Street, Greenock, PA15 1ER Tel: 01475 783637 Email: office@clochhousing.org.uk Website: www.clochhousing.org.uk MyCloch: www.my.clochhousing.org.uk


Online Live Chat Facility at www.clochhousing.org.uk Pay your rent, report a repair or make a complaint using the Customer Portal at my.clochhousing.org.uk (or find the link on the website). Find us on Twitter and Facebook @Clochha Registered with the Scottish Housing Regulator in the Register of Housing Associations No HEP91 Registered with the Financial Services Authority (No 1893 R(s)) • Registered with the Property Factor No. PF000171. A recognised Scottish charity Reg. No. SC013996 • A member of the Scottish Federation of Housing Associations

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Cloch HA  

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