Homes & People spring 2018

homes & people Bringing you all the news that matters to you

April/May 2018

Data protection is changing know your rights and our responsibilities

www.yhn.org.uk

Emergency contacts Housing Anti-Social Behaviour and Enforcement (team (HASBET) ASB can take many different forms, ranging from threatening behaviour and hate crime to loud music to untidy gardens. Don’t suffer in silence, report now to our dedicated officers on 0191 278 8740.

Repairs and Maintenance service YHN is jointly responsible with you for looking after your home. We rely on you to inform us of repairs as soon as possible so that work can be arranged. To report a repair call 0191 278 7878 or text “FIX” to 80800. For emergency repairs outside of opening hours email repairs@newcastle.gov.uk Housing Options Centre To speak to someone about applying for a new home, contact us on 0191 277 2020.

Housing Advice Centre If you need housing advice, are at immediate risk of homelessness or are homeless and have nowhere to stay, please contact the Housing Advice Centre on 0191 277 1711 or visit us at 112 Pilgrim St, Newcastle NE1 6SQ.

Income If you’ve made a claim for Universal Credit, want to make a rent payment, set up a Direct Debit, need some budgeting help or have any queries about your rent account call your income officer on 0191 278 8600.

Envirocall We are your single point of contact for environmental services delivered within Newcastle. This includes things like reporting fly tipping, street cleaning, rubbish and recycling, planting and vandalism. Call us at Newcastle City Council on 0191 278 7878 or report and track online at www.newcastle.gov.uk My Leasehold YHN manage properties that were sold under the Right to Buy on a leasehold basis. If you are a leaseholder and have any queries call us on 0191 278 7725 or email us at leasehold@yhn.org.uk My Concierge We provide Council tenants and leaseholders and Byker Community Trust tenants living in flats across Newcastle with a concierge service that includes things from building cleaning to a response service. To contact your concierge service call 0191 278 8600.

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Repairs

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This information is also available in easy Right to Buy 这是有关租客有权购买他们的市政房屋的信息。如果您需要此信息的普通话版本或其它语言版本，请致 GB Z_¨ nj Avgv‡`i †jwUs mvwf©m( fvov welqK) m¤^‡Ü| GB Z_¨ hw` <evsjvq> A_ev Ab¨ †Kvb fvlvq cÖ ‡qvRb nq YCH Repairs 這是關於如何要求維修您住房的信息。如果您需要此信息的廣東話版本或其它語言版本，請致電 read, large print, and audio tape. We can also arrange for you to see a British Sign Language interpreter. 0191 电Braille 0191 索取。 Zvn‡j GB278 bv¤^8633 v‡i †dvb Ki“b- 0191 278 8633 278 8633 索取。 Tenancy 这是有关您作为纽卡斯尔市政租客所需要承担的责任的信息。如果您需要此信息的普通话版本或其它语 Newcastle Furniture informations concernent le service « mobilier de Your Homes qui fournit du mobilier GB Z_¨ nj BDi †nvgm wbDK¨vmj mg‡Ü| Ges Avgiv » wKfv‡e `vwqZ¡ cvjb Newcastle, KiwQ †m mg‡Ü| BDi †nvgm wbDK¨vmj, YHN + Ces Rightgeneral/Homes to Buy 這是關於租客有權購買他們的市政房屋的信息。如果您需要此信息的廣東話版本或其它語言版本，請致 言版本，请致电 0191 8633 索取。 dans leur logement. Si vous avez besoin de ces service aux locataires pour les278 aider àKvDw݇ji s’installer wbDK¨vmj wmwU8633 KvDw݇ji c‡¶ Ni evox e¨e¯’vcbvi `vwqZ¡cÖvß| GB Z_¨ hw` <evsjvq> A_ev Ab¨ †Kvb People 電 0191 278 索取。 YCH 这是有关我们的出租服务的信息。如果您需要此信息的普通话版本或其它语言版本，请致电 0191 278 informations oubv¤^ dans une autre téléphonez 0191 278 8600 fvlvq cÖ‡qvRben nqfrançais Zvn‡j GB v‡i †dvb Ki“b- langue, 0191 8633 au : 0191 278 8633.

Tenancy 這是關於您作為紐卡素市政府租客所需要承擔的責任的信息。如果您需要此信息的廣東話版本或其它語 8633informations 索取。 Rent Ces concernent votre loyer. Si vous avez besoin de ces informations en français ou YHN general / Homes + dans 这是有关代表纽卡斯尔市政府（Newcastle City Council）负责管理市政房屋的 Your Homes Newcastle 言版本，請致電 0191 278 8633 索取。 une autre langue, téléphonez au : 0191 278 8633.

People （您的纽卡斯尔住房）组织的信息，内容解释了我们是如何运作。如果您需要此信息的普通话版本或其 Repairs Ces informations concernent les demandes de travaux pour votre logement. Si vous avez 0191 besoin de YCH 這是關於我們的出租服務的信息。如果您需要此信息的廣東話版本或其它語言版本，請致電 278 它语言版本，请致电 0191 278 ces en français ou8633 dans索取。 une autre langue, téléphonez au : 0191 278 8633.

8633informations 索取。 Right to Buy / Homes + Ces informations concernent les droits des locataires relatifs à l’acquisition de leur logement social.

YHN general 這是關於 Your Homes Newcastle（您的紐卡素住房）機構的信息，內容解釋了我們代表紐卡素市政府 Si vous avez besoin de ces informations en français ou dans une autre langue, téléphonez au : People （Newcastle City Council）負責管理市政房屋以及如何運作。如果您需要此信息的廣東話版本或其它 0191 278 8633. 語言版本，請致電 0191 278 8633 索取。 @ói@óäb îŠbïäaŒ@ãó÷@m‹ Šòì@óÜ@çbmŒóyŠó ó÷ @NóäbmóØòìíäb‚@ñòìó䆋ÙØbš@üi@ðîŒaí‚a†@ðmóïäüš@ói@pòŠbió@óäbîŠbïäaŒ@ãó÷ Tenancy Ces informations concernent vos responsabilités en tant que locataire de la municipalité de Repairs HN general / Homes + Nç‹i@ñ‡äòí—q@ 0191 278 8633 @ðäüÑïÝm@òŠbàˆ@ói@óîóè@óÙî†@ðÙ—äbàŒ@Šóè@bî@ñ†ŠíØ@ðäbàŒ Si vous de‫آن‬ ces informations en‫در‬français dans une‫درﺑﺎره‬ autre‫اﻃﻼﻋﺎت‬ langue, ،Newcastle. ‫ﺷﻬﺮدارى ﻧﻴﻮﻛﺎﺳﻞ‬ ‫از ﺳﻮى‬avez ‫ﺳﺎزﻣﺎن‬besoin ‫ اﻳﻦ‬.‫اﺳﺖ‬ ‫ﻋﻤﻠﻜﺮد‬ ‫ﻧﯿﻮﮐﺎﺳﻞ« و‬ ‫ﻫﺎى ﺷﻤﺎ‬ou ‫ﺧﺎﻧﻪ‬ » ‫ﺳﺎزﻣﺎن‬ ‫اﻳﻦ‬ eople téléphonez au :‫ﻫﺎى‬ 0191 8633. @ói@óäbîŠbïäaŒ@ãó÷@m‹ Šòì@óÜ@çbmŒóyŠó ó÷ @NòŠb’@ñaŠü’@ðäbØòìíäb‚@î ‹Ø@üi@çbåï“å–‹Ø@Àbà@ói@pòŠbió@óäbîŠbïäaŒ@ãó÷ ‫دﻳﮕﺮ ﺑﺎ ﺷﻤﺎره ﺗﻠﻔﻦ‬ ‫ زﺑﺎن‬278 ‫ ﻳﺎ‬língua, ‫ﻓﺎرﺳﻰ‬ ‫زﺑﺎن‬ ‫اﻃﻼﻋﺎت ﺑﻪ‬ ‫ﻧﻴﺎز ﺑﻪ‬o‫ﺻﻮرت‬ .‫دارد‬ ‫ﻣﺴﺌﻮﻟﻴﺖ اداره ﺧﺎﻧﻪﻫﺎى دوﻟﺘﻰ را ﺑﻪ ﻋﻬﺪه‬ <português> ou noutra queira ligar‫اﻳﻦ‬ para 0191 ‫در‬ 278 8633.

Right to Buy YCH Ces informations concernent notre service location. @óîóè@óÙî†@ðÙ—äbàŒ@Šóè@bî@ñ†ŠíØ@ðäbàŒ Si vous avez besoin de ces278 informations en Nç‹i@ñ‡äòí—q@ 278 8633de .‫ﺑﮕﻴﺮﻳﺪ‬ ‫ﺗﻤﺎس‬ ٠١٩١٢٧٨٨۶٣٣ 0191 8600 Rent Esta informação refere-se à sua0191 renda.

Se @ðäüÑïÝm@òŠbàˆ@ói precisar desta informação em <português> ou noutra françaisqueira ou dans une autre langue, au : 0191 278 8633. @m‹ Šòì@óÜ@çbmŒóyŠó ó÷ @Npara óîa‡Ý—bØüïä@óÜ@Šb’@ñaŠü’@ðÙ—åï“å–‹Ø@íØòì@òí—÷@ðäbØóïmóîb‹qŠói@ói@pòŠbió@óäbîŠbïäaŒ@ãó÷ língua, ligar o 0191 278téléphonez 8633.

Tenancy YHN general / Homes + Esta Ces informations concernent Your Homes Newcastleem : qui chargé gérer les logements sociaux Repairs informação refere-se ao8633 pedido de reparações suaest casa.

Se de precisar desta informação em Nç‹i@ñ‡äòí— q@0191 278 @ðäüÑïÝm@òŠbàˆ@ói@óîóè@óÙî†@ðÙ—äbàŒ@Šóè@bî@ñ†ŠíØ@ðäbàŒ@ói@óäbîŠbïäaŒ@ãó÷ People au nom de ðäbàŒ@ la ou municipalité de Newcastle et para comment nous procédons.

Si vous avez <português> noutra queira ligar o 0191 278 8633. ói@ pòŠbió@ @Šóè@ bî@ ñ†ŠíØ@ ói@ óäbîŠbïäaŒ@língua, ãó÷@ m‹ Šòì@ óÜ@ çbmŒóyŠó ó÷ @ Nóîóá—÷@ ð–‹Ø@ ðäbØómóà‚@ óäbîŠbïäaŒ@ ãó÷ besoin de ces Right to Buy YCH Esta informação refere-se direito os langue, inquilinos têm de comprar a sua social. Se informations en français ouao dans uneque autre téléphonez au : 0191 278habitação 8633.

Nç‹i@ñ‡äòí—q@0191 278 8633@ðäüÑïÝm@òŠbàˆ@ói@óîóè@óÙî†@ðÙ—äbàŒ

0191 278 8455 0191 277 1484

Right to Buy Rent

Tenancy YCH

YHN general / Homes + People

Repairs

YHN general / Homes +

People Right to Buy

Tenancy YCH YHN general / Homes + People

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precisar desta informação em <português> ou noutra língua, queira ligar para o 0191 278 8633. @òìóÝ—bØüïä@ñŠb’@ñaŠü’@çóîý@óÜ@óØ@óîóØó䆋؊bØ@ðmóïäüš@ì@ Your Homes Newcastle @ói@pòŠbió@óäbîŠbïäaŒ@ãó÷ Esta informação refere-se às suas responsabilidades como inquilino social em Newcastle. Se precisar desta informação em <português> ou noutra língua, queira ligar para o 0191 278 8633. @ðäbàŒ@ói@óäbîŠbïäaŒ@ãó÷@m‹ Šòì@óÜ@çbmŒóyŠó ó÷ @NpbÙi@ðmóîaŠóiòí–Šói@Šb’@ñaŠü’@ðäbØòìíäb‚@óØ@òìaŠ‡—q@ñòìó÷@ðØŠó÷ idioma, llame al 0191 278 8633.

Esta informação refere-seNç‹ ao serviço0191 de 278 arrendamento.

Se precisar desta informação em i@ñ‡äòí—q@ 8633@ðäüÑïÝm@òŠbàˆ@ói@óîóè@óÙî†@ðÙ—äbàŒ@Šóè@bî@ñ†ŠíØ 8600 Ésta es información sobre cómo pedir quepara se realicen reparaciones en su casa. Si necesita esta <português> ou noutra língua, queira ligar o 0191 278 8633.

Esta informação refere-se a organização información en español oà enYour otroHomes idioma,Newcastle, llame al 0191 278 8633. responsável pela gestão da habitação social em nome e a anossa situação actual. municipal.

Se precisarSidesta Ésta es información sobredo losMunicípio derechosde deNewcastle, los inquilinos comprar su vivienda necesita informação em <português> noutra para278 o 0191 278 8633. esta información en españolou o en otro língua, idioma,queira llame ligar al 0191 8633.

Ésta es información sobre sus responsabilidades como inquilino municipal de Newcastle. Si necesita esta información en español o en otro idioma, llame al 0191 278 8633. Ésta es información sobre 0191 278nuestro 8600. servicio de adjudicación. Si necesita esta información en español o en otro idioma, llame al 0191 278 8633. Ésta es información sobre Your Homes de Newcastle, que es la responsable de gestionar las viviendas municipales en nombre del Ayuntamiento de Newcastle, y sobre nuestra manera de hacerlo. Si necesita esta información en español o en otro idioma, llame al 0191 278 8633.

Your Homes Newcastle Limited.

Registered in England and Wales.

Registration number 5076256.

Registered office: Newcastle Civic Centre, Barras Bridge, Newcastle upon Tyne, NE1 8PR. A company controlled

by Newcastle City Council.

Follow us on Facebook.

Search Your Homes newcastle Follow us on Twitter: @NewsfromYHN Designed by: barkingdog design and layout.

Printed by: Mosaic Print Management Plc

Changes to your rent and service charges

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Your rent payments have changed – no more “free” weeks

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Ostara 24 hour response & support

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Got a good idea that will benefit your community?

Tell us - we could make it happen!

p7

Changes to rules around data protection

p8

Fire awareness

p9

With savings or a loan from us you will be Moneywise!

p10

£25 prize wordsearch

p11

I need some help with…

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Hi everyone, This feels like it’s been one of the coldest winters for some time – or do we say that every year now?!

Thankfully, spring is now upon us, so we’re getting into the spirit of the season and are freshening things up.

Hopefully by now you’ve had the chance to look at the new Tenancy Agreement which you will have received last month, and we’ve moved to a 52-week rent payment cycle as we know that this will help many of our customers plan their finances ahead.

There are also some changes happening across Europe that will impact on YHN and many other organisations like us. The biggest changes to data protection for 20 years come into force in May and this will impact on how we process your data – we explain what the changes mean for you on page 8.

Our telecare service Ostara lifts the lid on what actually happens on a call-out, and finally we’re pleased to announce that there’s new funding opportunities for local community activity via the 4P’s (Positive People, Positive Places) project. So if you’ve been thinking about doing something good in your neighbourhood, why not take a look?

Many thanks

Tina Drury Managing Director, Your Homes Newcastle

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Changes to your rent and service charges You may have noticed that, for the second successive year, thereâ&#x20AC;&#x2122;s been a small reduction to your weekly rent, probably in the region of 60p to 90p per week. This is the second of a three year Government policy to reduce housing rents by 1% each year.

And we have changed to a 52 week payment cycle, which means there will no longer be any rent free weeks (explained across the page!).

Service charges have risen by 4%. Such charges include our concierge service, furniture rental packs, sheltered accommodation and heating services. The rise is in line with a nationally recognised formula.

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Most service charges continue to be met by housing benefit and Universal Credit, but if you are in receipt of benefits and receive a heating systems service from the council, you will need to pay the increased heating charge, as heating costs are not covered by benefits.

Those who rent a garage from the council have also seen a rise of 3%, with the increase being met in full by the tenant.

Your rent payments have changed – no more “free” weeks As part of the changes to your tenancy agreement with Newcastle City Council, there will no longer be “rent free” weeks three times a year. It is important you make a rent payment for every week of the year.

In the past, you had what was often referred to as “rent free weeks”. But they weren’t actually free, rather you paid a little more on all of the other 49 weeks of the year so that you didn’t need to make a payment on the other three.

From now on, you’ll need to make a payment for every week of the year. Your weekly rent will be cheaper as a result though – as the full cost is spread out over more weeks.

49 weeks – old system

52 weeks – new system

Weekly rent

Annual rent

Weekly rent

Annual rent

£75.90 x 49 =

£3,719

£71.52 x 52 =

£3,719

Why is it changing?

Paying the same amount of rent every week will make it easier for many people to budget throughout the year and brings rent payments in line with the housing cost element of Universal Credit payments, which is important for lots of our customers.

I claim Universal Credit, does that make a difference?

If you claim Universal Credit you must tell the Department for Work and Pensions (DWP) that your rent amount has changed. Go to your online account, add the new weekly amount, and make sure you state that you do not have “rent free” weeks.

Where can I get more help and advice?

If you have general queries about your rent amount or rent account then please speak to your income officer through your local housing office.

We can support you with budgeting help and advice. If you’re struggling to make ends meet and are worried about money in general – please don’t suffer in silence; if we don’t know, we can’t support you.

What do I have to do?

First and foremost, you must make sure you pay your rent when it’s due. This now includes on those three weeks when you would previously not have made a payment.

If you pay your rent by Direct Debit, your payments will be calculated automatically and you don’t need to take any action (please note however that if you pay weekly by Direct Debit you will also no longer get the “rent free” weeks you did in the past.)

It’s also very important that you think about budgeting and work out how much money you’ll need at any given time in advance, for events like Christmas and the summer holidays.

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OSTARA 24 HOUR RESPONSE & SUPPORT The incident

1

2

Falls Harry falls over and presses his alarm button for help

Answers An Ostara call handler answers within 1 minute

3

Talks Harry talks to Ostara through the speaker on his alarm unit

The response

4

Arrives

6

Provides care

5

Response officer Matt arrives within 45 minutes

Access Matt uses the keysafe to get access to the property

7

Matt assesses the situation, uses a raizer to lift Harry and provides personal care as needed

Informs Matt informs next of kin at Harry’s request

The aftercare

8

Follow up Welfare visit or phone call carried out the following day

Common reasons for Ostara calls • Falling • Feeling unwell (eg dizzy, blurred vision) • Feeling unsafe (eg unexpected caller at night) • Stuck in chair, bed or bathroom • Emergency (eg chest pains, seizure, injury)

3 24 hour service, 365 days per year 3 Prices start from £5.95 per week with unlimited usage 3 Free installation with no set-up costs 3 Free cancellation at any time 3 Menu of equipment to meet individual needs 3 Local provider based in Newcastle upon Tyne

Request a free information pack or book a free no obligation consultation now.

6

contactus@ostara.org.uk

0191 277 7470

www.ostara.org.uk

Got a good idea that will benefit your community?

Tell us - we could make it happen!

Positive People Positive Places is a grant scheme that gives local people the power to spend some money on a project to benefit their community.

You can help improve your neighbourhood and make some real changes to where you live.

You can apply for a grant of between £250 and £750 to do something that makes a difference to your community – all you need to do is make sure it fits one or more of our themes (Health and Wellbeing, Skills and Employment, Stronger Communities) and that it benefits Newcastle City Council tenants. The great thing is you don’t need to be part of formal group to apply – anyone who has a good idea and the energy and enthusiasm to make a difference to other people can make an application. Successful project ideas

will go forward to an online vote where tenants and residents across the city can vote for their favourite project.

Why not arrange a community clean-up day or a community walk, host an afternoon tea for older people, organise a treasure hunt, arrange a play day for local children – there’s lots of things you could do!

This is a great way to make a real difference to your community.

How to apply Visit www.yhn.org.uk/4ps or pick up an application form at your local housing services office.

For more information

positivepeople@yhn.org.uk

0191 278 3959

www.yhn.org.uk/4ps

The closing date for applications is 28 May 2018 and you’ll need to complete your project by 31 January 2019. Good luck!

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Changes to rules around data protection The law around data protection is changing and, from 25 May this year, you’ll have more rights relating to how we process your personal data.

You may have heard the General Data Protection Regulation – or GDPR for short – mentioned recently, and this is the new UK law which affects organisations like Your Homes Newcastle and how they are able to use your data.

What does this mean?

These records may include:

GDPR applies to personal data - this is any information that can identify you as an individual person (either on its own or when combined with other data). It can be in any format, including photographs and online accounts.

• Basic details about you, such as address and next of kin

Your Homes Newcastle and other organisations that act on our behalf, keep records about your tenancy, repairs and improvements made at your home, and any other services that you receive from us. These help to ensure that you receive the best possible services from us. They may be written down (manual records) or held on computer.

• Contacts we have had with you • Notes and reports about your tenancy, including historic transactions, and any contact we have had with you • Details and records about other services you receive from us or other agencies working for your benefit So that we can all work together for your benefit we may need to share information about you.

We only use or pass on information about you if people have a genuine need for it in your interest.

Anyone who receives information from us is also obliged to keep it confidential.

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Data processing principles GDPR has six principles and personal data must be processed according to these. The principles state that data must be: 1 Processed lawfully, fairly and in a transparent manner 2 Collected for specific purposes 3 Adequate, relevant, and limited to what is necessary in relation to the purposes for which it is processed 4 Accurate and up to date 5 Stored no longer than is necessary 6 Secured to keep it confidential

What are my rights?

Individuals’ rights in certain circumstances are enhanced and extended in a number of important areas.

Under GDPR you have: 1 To be informed why, where and how we use your information 2. To ask for access to your information 3. To ask for information to be corrected if inaccurate or incomplete 4. To ask for your information to be deleted or removed where there is no need for us to continue processing it 5. To ask us to restrict the use of your information 6. To ask us to copy or transfer your information from one IT system to another in a safe and secure way, without impacting the quality of the information 7. To object to how your information is used 8. To challenge any decisions made without human intervention (automated decision making)

How do I find out more?

To be transparent, we have created a “Privacy Notice” that explains what types of personal data are processed, how data is used, who it is shared with and how long we hold it for. You can read that on our website.

For further information about the change to the law, you can contact the Information Commissioner’s Office (ICO) as the UK data protection regulator for organisations: www.ico.org.uk / Tel: 0303 1231113

Fire awareness Recently, we have been talking to tenants living in multi-storey accommodation to understand if they need more support from us.

We have concentrated on people who: • are living in accommodation that is designated for over 55s; or • have a physical disability or mental health concern which could make it difficult for them to leave their home in the event of a fire in the building.

This is so we can share up-to-date information with the Fire Service in the event of a fire, or when they are doing fire safety checks at your building.

We are bringing the programme to a close now, so if you live in multi-storey accommodation and haven’t yet spoken to us about your changing support needs, please get in touch.

You can call your local housing office or contact our Enquiry Centre, which is open for calls around the clock, on 0191 278 8600.

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With savings or a loan from us you will be Moneywise!

Moneywise is your local credit union based right here in Newcastle. As a community focussed, not for profit organisation we help people and families across the city to save for a rainy day or to borrow responsibly and we support local people to increase their financial awareness and budgeting skills through our community development service.

Affordable cash loans: You can apply to borrow from £50 to £15,000 from us.

We offer instant loans for many items including: • Furniture, carpets or household goods • Car repair or purchase • Holidays and Christmas • Debt consolidation Our interest rates range from 3% to 42.58% APR.

Compare our cost with Provident Moneywise:

Provident:

£300 loan, repayable over 52 weeks, payments of £6.90

£300 loan, repayable over 52 weeks, payments of £10.80

(Total repayable: £357.24. Total cost of credit: £57.24. Fixed interest rate of 36%, APR 42.58%)

(Total repayable: £561.60. Total cost of credit: £261.60: APR 299.3%)* *Correct at 22/3/18, source provident.co.uk

A saving of £204.36!

Safe savings: We all need a bit of cash put by for a rainy day, so Moneywise offers savings accounts for adults, children and community businesses.

You can save up to £15,000 with Moneywise and your money is safe as we are covered by the FSCS and savings earn an annual dividend depending on profits. Your account can be managed online and you can withdraw your money at any time.

Want to apply for a loan and save some money? It’s easy just: Visit www.moneywise.org.uk and click join us or apply for a loan, complete and submit the form and add YHN in the reference box Or call us on 0191 276 7963 or visit us at 187 – 189 Shields Road, Byker 10am - 4.30pm Monday to Friday

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ÂŁ25 prize wordsearch You must complete the puzzle which contains words found in the article about Moneywise.

But â&#x20AC;&#x201C; one of the answers is missing. To enter the competition all you need to do is identify which word is NOT in the wordsearch then text or email us your answer. Good luck!

T K A X S P V I T K M H H V J L U H S S O N T N V R C R S O N R O W N G N O S A

T E E F N R I D G S J N U K C O X U E M L V Y M H U T A V H L I T R I N N S N T O H X A P I A M P I B W M T I R N E E S

D X W R Y O F L N E G F A P Q X W H R I T E H X Q B L E D L R D F M F E U O A R P O E X C Q A E S I

I R K Z Z I W L W H

F J U P A C J Y V L V S A V S F O D A C J A R G C G A R O E H I A C W D C G L D J X E O S D E S D W D T D V E W P O A A F O U N I M N K L O Q Y H E I Y X O I H P N O L R O H U U Z T N T K N N Z D C M

T N O B C J O R W G D J Q I W D G S N W X H Z T I F O R P R O F T O N W Z S A R

X V B R A I N Y D A Y B U O W U Z V N G

T E Z E P X B U J X P P U I J M M Z I O D A F F O R D A B L E L O A N S M M F A Z A Y H I R F Z U R D S N J B M B K O D S C I F D F F L G R N P W Z L J W F K C

Affordable loans

Community development

Not for profit

Annual dividend

Debt consolidation

Online account

Budgeting

Financial awareness

Rainy day

Car repairs

Holidays

Savings

Christmas

Household goods

Send the missing word along with your name and address to: Email: communicationsteam@yhn.org.uk Text: 07815 784 037

By Friday 1st June 2018.

Please note: competitions are only open to tenants and leaseholders with no rent arrears.

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I need some help with…

My money - Advice and Support team 0191 277 1144 Whether it’s help with money management, budgeting, benefit changes, paying your rent, or paying off debts, don’t worry in silence. Call us today or speak to your local tenancy and estates officer who can refer you if you prefer.

£

3

Getting a job – Employability team 0191 277 3667 employabilityteam@yhn.org.uk We offer paid, work-based training to unemployed customers. We also offer apprenticeships and a range of employment advice.

My energy use – Energy for the Future team 0191 278 3842 energy@yhn.org.uk Making a few changes in your home could reduce your energy bills.

Call us for more info or to arrange a home visit.

My garden – Garden Care service 0191 278 8600 gardencare@yhn.org.uk We can help keep your garden tidy, from one off jobs to regular maintenance. You might not even have to pay for this service if you are receiving certain benefits.

Getting online – help, guidance and training 0191 278 8600 Whether it’s the first time you’ve switched on a computer or you’re worried about dipping your toe into online surfing, we can help. Visit our website page www.yhn.org.uk/i-need-support/help-to-get-online/ for more information.

Getting involved - Customer Involvement 0191 278 8600 getinvolved@yhn.org.uk By being involved you can help shape the decisions that affect you, your home and your community. To find out what we are talking to customers about and how you can give your feedback and share your views please get in touch.

Living independently and finding my feet - Young People’s Service 0191 277 1190 youngpeoplesservice@yhn.org.uk We support young people, aged 16-25 years old, in Newcastle by helping them to find accommodation and providing the advice and support they need to live independently.

Living safely, remaining independent - Ostara 0191 277 7470 contactus@ostara.org.uk Our 24hr response and support service enables you to live safely and independently in your own home. We provide alarm equipment such as pendant alarms and fall detectors that will alert the 24hr response centre if you fall, feel unsafe or unwell at home.

Your Time Your Space

Living safely, remaining independent – Sheltered Schemes 0191 278 8585 shelteredhousingservice@yhn.org.uk We manage 24 sheltered developments across the city. If you are looking to live independently within a safe and secure environment, we can help.

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