D=D 7A D 7 B D 7B 7 B - B ( WISHINGD YOU A PEACEFUL CHRISTMAS 7 A D 7 AND GOOD 7 HOPE FOR THE NEW YEAR
YOUR QUARTERLY MAGAZINE FROM FAMILY MOSAIC
DON'T BURY YOUR HEAD
ACT NOW BEFORE THE WELFARE CUTS START
Two page special on 4 & 5
WINTER 2012
'TIS THE SEASON 8
Our top 10 budget tips
COMMUNITY CHAMPION 9 Do something good!
IN THE BOOT CAMP 10
Best feet forward
GOT THAT JOB 10
It's a winning formula
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editorial we can...
news round-up
BE PREPARED
YOUTH ACADEMY BACKS TIGERS
Sometimes people have the skills but lack the confidence to impress at interview stage. Last month our employment team held its first Get that job course for those of you looking to get ahead in the job market. Having interviewed lots of potential employees over the years I know what employers look for when interviewing, so I was pleased to be able to pass on some tips when I went along to give practice interviews. I was really impressed by the motivation and the excellent
quality of those on the course, and hope that the course helped build their confidence and gave them the strength and skills to go out to get that job. Back in September, staff spent a day out visiting residents on benefits to warn them about the coming welfare cuts. I visited about 10 homes. In total, my staff spoke to nearly 1,000 of you on that one day. By the end of the day I felt concerned that a lot of you were not aware of the coming benefit changes (you can read about them
inside this issue 4,5
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WELFARE ADVICE
FINANCE & BUDGETS
EMPLOYMENT & APPRENTICESHIPS
BENEFIT CUTS ARE COMING IN APRIL
Don't be caught out. Prepare for change now
PREVENTION FIRST
Steps you can take now to prevent the worst from happening
6, 7 PHOTO CREDIT EDITORIAL: PAUL SANDERS
REGIONAL NEWS
Out and about in your neck of the woods: local news and events
Brendan Sarsfield Chief Executive
Ideas that won't break the piggy bank
BOOTCAMP GRADUATES
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On the way to work!
GETTING INVOLVED
Candidates needed to earn while you learn
BE A CHAMPION FOR YOUR COMMUNITY Tell us your big idea
YOUNG INSPIRATION
Nominate a young person doing great things
COVER STARS s
APPRENTICES WANTED
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YOUR SERVICES
BLIND SAFETY
Words of caution
12 USEFUL INFO
CONTACTING US THEY GOT THE JOB! We held our first Get that job! course in October and OTHER LANGUAGES
Connections translated already a quarter of our delegates have found work, including Maxine (left) one of our two cover stars, who WORDSEARCH Festive riddler is now on a placement at Albion House. See page 10
Coaching grant: helping the Lambeth Tigers to roar!
OUR WEBSITE REVISITED
WINNING TOUCH: ON A ROLL
We've overhauled our website to bring it up to date with our biggest priority - getting those of you who can work, but don't now have a job, into paid employment.
Green way: digging for the common good
User friendly TOP 10 TIPS FOR XMAS
We have awarded a community grant to sports club Lambeth Tigers, pictured left, following the tragic death of one of their coaches – 15 year old Junior Nkwelle. The grant will let the club carry on coaching teenagers. More than 50 young people and their parents attended a tournament in Junior's memory at Myatts Field park during the half term break.
on pages 4 and 5). Or, if you were, you felt there was nothing you could do about them. You may not be able to stop the cuts but there is a lot you can do to prepare for them, to avoid a negative impact on you and your family. This could be getting a job, taking in a lodger, or learning how to make your money go further. The cuts will hit some of you hard. If they will affect you please, please start planning now!
You should now find the site easier to use. You can order and monitor repairs, pay your rent and find out what is going on near you. And the news is now on the front page. Let us know what you think! www.familymosaic.co.uk
RENT DRAW WINNERS The following tenants have won £250 each following our quarterly draw of all tenants who make sure their rent account stays in credit. South: Ms Erdemir, Croydon East/Essex: Mr Heron, Hackney North/west: Mrs Awan, Southall
In the last few months we have won more prestigious awards, beating many other well-known organisations. Our customer care line has risen even higher up the ranks of the Top 50 for call centres in customer service, getting the highest score of all the housing associations rated. Greening Communities, pictured left, won a Community Impact award in the category of 'improving neighbourhoods' at the National Housing Federation’s south-east awards. And last but not least, our efforts to help into work those of you looking for a job made us overall winner of the National Housing Federation's London region awards.
YOUR PHONE CALLS OVER CHRISTMAS REPAIRS CALL CENTRE q0300 123 3456 ROPTION 1 The centre closes on 24 December at 6pm until 27 December at 8am. It closes at 6pm on 31 December, reopening at 8am on 2 January. The emergency out of hours service will operate outside these hours. CUSTOMER CARE LINE q0300 123 3456 ROPTION 2 The CCL is closed from 4pm on 24 December until 8am on 2 January.
KEEPING YOU SAFE FROM ABUSE HOW WE CAN HELP
‘Safeguarding’ means keeping vulnerable adults and children safe from abuse. If someone is hurting or bullying you or doing something else that causes you harm or distress, like neglecting you or helping themselves to your money, then that is abuse. All our staff have a role to play in keeping you safe from abuse and are trained to help. If we spot any cause for concern or worry, we will step in. But we also need you to tell us if you are worried that you or someone you know is being abused. We will do whatever we can to help. You can report abuse by email to concerned@familymosaic. co.uk, or speak to your neighbourhood manager or a customer care line officer on q0300 123 3456.
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welfare advice
THE GOVERNMENT'S BENEFIT CHANGES ARE JUST AROUND THE CORNER. WILL THEY AFFECT YOUR FAMILY? WILL YOU BE READY IF THEY DO?
BENEFIT CUTS ARE COMING
DON'T BE LEFT COUNTING YOUR LOSSES 4
In April 2013, major changes will be made to the benefits system. If you are getting any welfare benefits, you may get less if you are of working age (under 61). If you are affected by the changes, don’t panic. Find out your options and plan ahead so you can carry on paying your bills and rent
A NEW BEDROOM TAX Under new government rules, if you have two children under 16 of the same sex, or aged under 10 of different sexes, then they will be expected to share a bedroom. No extra bedroom is allowed for children visiting at weekends.
Under the new rules, if you have one spare bedroom in your home then your housing benefit will be cut by 14%. If you have two or more spare rooms you will lose 25% of your housing benefit. We won't be affected. We've only got the three bedrooms and we've a teenage child in one bedroom and my younger child in the other.
A CAP PER HOUSEHOLD ON INCOME FROM BENEFITS Under the new system, there will be a limit on the benefits any one household can claim. That limit is £500 a week for families or £350 a week for single people who have no children. The cap will affect most benefits, including housing benefit. Any cut will hit housing benefit first. The cap will not affect you if: ●● you, your partner or child get disability living allowance or attendance allowance ●● you or your partner gets a war widow's/widower's pension ●● you or your partner gets working tax credit ●● you or your partner gets employment and support allowance with the support component.
LESS HELP PAYING COUNCIL TAX Council tax benefit will stop and your local council will instead run a new council tax 'support' scheme instead. Most people of working age will have to pay some council tax under the new system. Your council will have much less money to help people who cannot afford to pay their full council tax.
You will be. Under the bedroom tax, they'll have to share a room if they're the same sex until the older child is 16.
SOCIAL FUND COMES UNDER COUNCIL CONTROL
We think one in six of you may be affected by the bedroom tax
Community care grants, budgeting loans and crisis loans will stop and people of all ages will have to apply to their local council instead for financial support in a crisis. Your council will draw up its own emergency payment scheme.
WHAT STEPS CAN I TAKE NOW TO PROTECT MY HOUSEHOLD?
DON'T STICK drop-in surgeries YOUR HEAD Every Monday from IN THE SAND 2-4.30pm at Albion
Benefits check
MORE!
Are you getting all the right benefits for your situation? Call our welfare rights team for a benefits check on: ● north/west London q020 7089 1323 ● south/east London q020 7089 1187 ● Hackney/Essex q01268 498 563
Welfare rights
FIND OUT
House and on Thursday from 2-4.30pm at Arcola Street. Just drop-in to get free
advice from one of our welfare rights experts. 'Ask an expert' with live Facebook chat sessions on Mondays at 11am.
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Household numbers
If you will be affected by the bedroom tax you will need to find a way to make up the amount that will be cut off your housing benefit or move to a smaller home charging a lower rent. There are masses of overcrowded families wanting a bigger home on www.homeswapper.co.uk We’ll even offer cash help if you downsize to a smaller home by swapping. Call q0300 123 3456 for the housing options team. Another option is taking in a lodger or boarder. You will need our permission to do this. If you get housing benefit, the first £20 of rent a lodger pays is ignored by the government benefits office, so that's £20 to help pay the rent.
Finding work
You can contact our employment team for help planning a route back to work. Getting a job will maximise your income and exempt you from the benefit cap. Call q020 7089 1345.
Financial advice
If you are going to find it difficult coping on a lower income, you can contact our money adviser for advice on budgeting or managing your debts. Turn to page 8 for money saving tips. Call q020 7089 1220 or email farah. ashraf@familymosaic.co.uk
HERE'S TWO WE HELPED EARLIER Lindsey is a single parent with two small children – a boy aged four and a girl aged six. She lives in a three bedroom flat in Islington. She doesn’t feel she has any spare rooms as they are all taken up by her and her children. But under the new government benefit rules her two children will be expected to share. That means that in April Lindsey will have a 'spare' bedroom and her housing benefit will be cut by 14%. That's £16 a week she will have to find to make up the shortfall in her rent. Lindsey says: 'I like where I live but knew I'd struggle to pay the rent after the benefit cuts so decided to try to get a job. I was nervous as I hadn’t had a job in years. The employment team made me feel much better. They put me on a childcare course, and helped me get a work placement. I found out yesterday that I’ve got a part-time job. With the new job and working tax credit, I’ll now be able to afford my rent in April, and I'll have a bit left over to spend on the kids.' Mr and Mrs Hassan, who have eight children, get £531 in benefits each week. From 1 April they were due to lose £31 a week from their housing benefit because all their benefits were to be capped at £500. Mr Hassan suffers from a number of health problems and is partially sighted. He was helped by our welfare rights team to make a claim for disability living allowance. It was successful so he now gets an extra £41.10 per week. But it also means the family is exempt from the benefit cap so won’t have to find an extra £31 to pay their rent every week. See our FILM ON WELFARE REFORM at www.familymosaic.co.uk
? Don’t get left behind!
editorial from Essex
HORRIBLE HALLOWEEN AT LITTLE PARNDON 6
GREEN SHOOTS IN ESSEX Over summer and autumn, supported housing residents have been brightening their gardens helped by our Greening Communities team The National Housing Federation award-winning project (see page 2), funded by the Maisie Sheed Trust, has worked on the Mount View, Leahurst, Bramble Court and Berryfields gardens this year.
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All hands on deck
Residents and staff have pitched in too, building ponds, rockeries and raised beds, repairing garden furniture, and painting sheds and fencing. Vegetables and flowers have been planted and new trees are hopefully taking root. The results seem to be worth it. At Mount View one resident cried with emotion at their lovely new garden. And Berryfields resident Martyn Sykes says: 'The pond is a magnificent addition to the already fantastic garden project.'
FIND A NEW HOME FOR YOUR OLD FURNITURE Young people at our Little Parndon scheme celebrated Halloween by learning how to cook some truly frightful treats.
Haunting spirit
James, Joanne, Jasmine, Anna Liberty and Jordan, along with scheme manager Rachel, dressed up in nerve-wracking outfits, with matching make-up, before learning the history behind the tradition. They were surprised to find that Halloween (short for All Hallows Eve) began in Europe and not
north America. After their brief history lesson, the group moved onto carving faces in pumpkins. Keen not to waste anything, they turned the scooped out insides into a delicious soup, which, after a raid of the spice cupboard, turned out a little hotter than planned! Pudding was less healthy but equally delicious with homemade toffee apples. Diabolical dining: Jasmine gets blending, right, and (main pic) from left: Joanne, Jasmine, Anna, Jordan and James prepare to feast
BRAMBLE CLOSE CAR WASH RAISES MONEY FOR MENCAP
Do you have unwanted furniture or electrical goods that still work? By donating them to us we can give them to people in genuine need.
Just call Family Mosaic Havering q01708 776 770
Staff and residents at Bramble Court clubbed together to put on a charity car wash and barbeque event. The day raised £136 for learning disability charity mencap. Thanks to DJ Chris who provided the music and Claire, who made sure no one got low sugar during the car washing with her sweet stall. Claire kindly donated some of her profits. Lots of people came down to support us, including local police community support officers Jen and Anna, whose police car left sparkling.
finance & budgets 'TIS THE SEASON TO BE PENNY WISE 8
Christmas is an expensive time of year and many people turn to illegal money lenders or loan sharks, ending up in even more debt. Read our top 10 tips for a stress-free Christmas
1. PLAN AHEAD
6.SHOP ON THE INTERNET
Work out a realistic budget. Decide how much you are going to spend on each person and stick to it. Don't lead others to get big hopes about what they'll get from you.
Supermarket prices vary greatly in the run up to Christmas. Check out mysupermarket.com which lets you compare the cost of items with other online supermarkets.
2. SET A BUDGET
7. MAKE YOUR OWN GIFTS
Set a food shopping budget and stick to it. Don't be tempted to buy expensive brands with pretty packaging. Look for ‘buy one, get one free’ when you do the shop.
3. DON’T FORGET EVERYDAY BILLS Your rent, council tax, utility and food bills and, if you have any, debt payments still have to be paid. It might be Christmas but get your priorities right!
4. KEEP THINGS SIMPLE
If you can pay for goods by cash, cheque or debit card then do so. Don’t be talked into extended credit agreements unless they really do work out cheaper.
5. SHOP AROUND
Try as many different places as possible to find the best price. Buy what you need and not what you think you need.
Make Christmas personal by creating your own gifts. Look for some ideas and inspiration on makeitandmendit.com/top-10make-it-and-mend-it-gifts-forchristmas or bbcgood food. com/content/recipes/ christmas/christmas-gifts
8. MONEY-OFF VOUCHERS
Go onto www.myvouchercodes. co.uk for Christmas voucher codes and gift ideas for all the family.
9. BUY SAFE… BE SAFE
Whatever the deal, don’t buy from traders you don’t trust or borrow from unauthorised lenders. The initial savings and convenience may cost you more over time.
10. START PLANNING NOW FOR NEXT CHRISTMAS Once Christmas is over, learn from your mistakes and start planning how to do things better next year.
BECOME YOUR LOCAL MONEY CHAMPION: HERE'S HOW With banks, shops and money lenders all offering you the ‘best deal,’ knowing which way to make the best use of your income can be confusing. The best advice often comes from a neighbour or friend. So we’re looking for people to become money champions for their community. Becoming a money champion will give you the skills and confidence to manage your money better. You'll also be able to advise others on money issues, such as debt and budgeting. We'll be holding our money champions course in January. Spaces are limited so if you are interested call Denise Brewster on q020 7089 1134 today.
START SAVING NOW FOR NEXT CHRISTMAS THROUGH A CREDIT UNION Credit unions run Christmas savings accounts so if you are looking to spread the cost of Christmas over the next year, why not set up an account with your local credit union? To find your nearest credit union go to www.findyour creditunion.co.uk For more advice on debt or money issues get in touch with our money adviser Farah Ashraf on q020 7089 1220 or farah. ashraf@familymosaic.co.uk
getting involved BE A CHAMPION FOR YOUR COMMUNITY ! Have you got an idea that would benefit other Family Mosaic residents in your neighbourhood? Maybe something to help you and your neighbours get fit and healthy, a youth project, something to green the area or just a fun day for everyone? The idea behind community champions is simple: you tell us your idea for your community and we'll give you the support to make it happen. We can offer:
TRAINING Join one of our
FUNDING Apply for up to
AWARDS We like to celebrate success so be prepared if you become a community champion!
SUPPORT Get help and practical
Contact Angus Kerr q020 7089 1253 or email Angus.kerr@ familymosaic.co.uk
£1,000 to fund the basic costs of your project or event. advice on getting your project off the ground from one of our staff.
regular courses to get the practical skills and confidence you need to bring your idea to life. The next course will be in the new year.
SWEET INSPIRATION
DO YOU KNOW A HARDWORKING, INSPIRATIONAL YOUNG PERSON?
Do you know a young person who has made a difference to others? One who has reached tough goals in the face of hardship maybe, or who goes out of their way to help others? For each of the three categories listed below we'll pick a winner aged between 8 and 16 years and a winner aged from 17 to 25.
Tell us who should win!
Email rico.coombs@family mosaic.co.uk the name of the young person you want to nominate, their photo and your reason for putting them forward. YOUTH ACADEMY LEADER AWARD An inspirational young person who has achieved and inspired others
If you don’t have use of email, call or text n07961 385 895. The closing date for nominations is Friday 21 December and the winners will get their awards at a special ceremony in February.
Cast your vote fast!
Pick from the shortlist that will go up on our Facebook page in January 2012.
YOUNG ACADEMY PROTECTOR AWARD A compassionate young person who has helped other people
YOUTH ACADEMY CHALLENGER AWARD A determined young person who has overcome difficulties to achieve goals
GIVE A GREAT CHRISTMAS GIFT THAT WON'T COST A PENNY Christmas is a time where families often come together. It's also a time when some people feel acutely lonely and isolated.
Small gesture
A lot of people do not have family or friends to share the festive time with. Help us to help others by bringing festive and community spirit to those who need it most. Can you spare a few hours a week to have a 'cuppa' and a chat with someone lonely? Find out how a little effort by you could change someone’s life by calling volunteer programme coordinator Toni Rushton on q020 7089 1096 or send Tony an email at volunteering@ familymosaic.co.uk
ROLE MODELS WANTED FOR NEW YOUTH MENTORING PROJECT Pass on your wisdom to the next generation. In January the Youth Academy will launch a new pilot mentoring programme to support young people who are still in education or training. Mentors will help young people reach their goals and grow in self-confidence. We hope to attract mentors from a range of different industries. If you are aged 16-21 and would like a mentor, or you would like to be a mentor yourself, please contact Waliur Rahman by phone/text on n 07432 613 098 or email waliur.rahman@ familymosaic.co.uk
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employment & apprenticeships
your services
BOOTCAMP BEST FOOT FORWARD
DON’T BE BLIND TO THE DANGERS
EARN WHILE YOU LEARN: DON'T MISS OUT ON THESE GREAT OPPORTUNITIES We have more opportunities for budding apprentices than we have willing candidates. So if you'd like to earn a wage while you gain a qualification, get in touch! We are particularly keen to hear from you if you live in Southwark, Islington or Hackney. The apprenticeships include construction, administration and information technology.
We've had great feedback from our first Employment Boot Camp, which 24 of you came to. The next one starts on 8 January, for two days a week for six weeks. We expect it to fill up quickly so if you are interested or want to find out more call the employment team.
THEY GOT THAT JOB! One in four of the first 22 of you to finish our Get that job course have landed a job already, just weeks after completing our three-day October workshops.
All angles covered
Fazia from Southwark said the course was 'well planned and delivered'. 'It covered everything I need to get a job,' Fazia added. 'I felt my smile light up the room by the end. Wow!'
Another attendee said: 'Brilliant idea. I've never been to anything like it before.' Fazia, who plans to work in accountancy, will shortly start a second training course, funded by a grant she is getting because she completed our course. The courses will run all through next year. To sign up, speak to your employment liaison officer or call the employment team.
q020 7089 1345 to contact our employment team
CALL THE CUSTOMER CARE LINE
JUST DIAL ✆ 0300 123 3456 » THEN PRESS 2 OPEN 8AM-5PM ● MON, WEDS, FRIDAY UNTIL 6PM!
Window blind cords and chains are often overlooked as a danger to young children in the home. The British Blind and Shutter Association has recommended the following guidelines to keep young children safe ●● If you have blinds in your
house, do they have a looped control chain or cord without a safety device fitted? It is easy to install a device which tidies the cord or chain away and keeps it out of reach. ●● Make sure all blind cords and chains cannot be reached by
children. Move cots, beds and furniture away from windows and blinds. Remember – children love to climb. ●● When buying a new blind always look for one that does not have visible cords or chains but instead has hidden cords OR an in-built safety device.
COMPLAINTS: HOW WE’RE LISTENING AND LEARNING
CALL IN AT JOBSEARCH CENTRAL
YOU SAID… when you viewed empty properties with a view to moving in, the standard of repair work that had been done was not always as it should be.
YOU SAID.. you wanted more
We now have a special room at Albion House just for those of you wanting help from our employment team to search the internet for jobs, improve your CV and call possible employers.
WE DID... introduce customer
WE DID… produce a new
satisfaction phone surveys. We now phone all new tenants once they're settled to ask how they felt about the lettings process, and what we could improve. If you were unhappy with repair standards, we set up a visit.
YOU SAID… You were still
having delays and errors trying to get refunds, where due, for communal supplies.
WE DID... set up a new process Come to the next employment drop-in surgery, held every Tuesday from 10am to 4pm.
so we now pay refunds faster and there is less chance that a mistake will be made where a new tenant has moved into a property.
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support from us to take matters into your own hands where a management company is failing to meet leaseholders' standards. information leaflet that explains the best way to go about reporting problems with maintenance and building defects.
MAKING A COMPLAINT? Help us improve by filling out our complaint satisfaction survey, even if you plan to take your complaint to the next stage. By completing the survey you could win a £50 Love to Shop voucher.
AUDIT COMMISSION DATA SHARING This year we will again be helping the Audit Commission make sure public money is well spent. As part of its anti-fraud initiative, we will share the data we hold on all tenants and leaseholders so it can be compared with information provided by other public bodies. This will help make sure no one is making an unlawful housing benefit claim or illegally subletting properties. We will follow up any suspected fraud. The Audit Commission uses data this way exercising its statutory powers, set out in Part 2A of the Audit Commission Act 1998. It does not need the consent of the individuals concerned, under the Data Protection Act 1998. You can find out more at www.familymosaic.co.uk If you have any questions, email our company secretary at Secretary@familymosaic.co.uk
Staying in touch with us
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S T O C K I N G Z X
U G X E Q X O I M S
S A N T A S E V Y E
C N B I X T L I R V
R A E N K N X N R L
O M X S L E I G H E
O W V E Z S E Y X S
G O G L T E M R X N
E N X A Q R I O H C
Just for fun, we've hidden 14 words with a festive flavour in our wordsearch. See how quickly you can find them... M
A S R X S P I R I T
General needs housing or leasehold enquiries: Customer care line q0300 123 3456, option CustomerCareLine@ familymosaic.co.uk Head office Albion House, 20 Queen Elizabeth St, SE1 2RJ q020 7089 1000 www.familymosaic.co.uk Essex office Pembroke House, Northlands Pavement, Pitsea SS13 3DU q01268 498 500 Care and support London q020 7089 1000 Essex q01268 498 500 Welfare rights officers To speak to a welfare rights officer see page 5 for numbers or call the customer care line on q0300 123 3456, option Employment team (formerly Pathways2work) q020 7089 1345 Report repairs www.familymosaic.co.uk q0300 123 3456, option If you live in London press 1 If you live in Essex press 2
PRINTED AND DISTRIBUTED BY COUNTRYWIDE PUBLICATIONS ON PAPER FROM SUSTAINABLE SOURCES ✆ 01502 725 832 SUBEDITED & DESIGNED BY the thompsons ✆ 01732 750 433
Speaking your language Voici Connections le bulletin régional des locataires. Si vous ne pouvez pas lire ce bulletin en anglais et s’il y a des articles qu’il vous faudrait faire traduire en l’une des langues mentionnées ci-dessous, veuillez nous contacter à enquiries@familymosaic.co.uk ou téléphoner au q020 7089 1000. Este es su boletín de noticias regional Connections. En caso de que no pueda leer este boletín en inglés y necesita que alguna parte de éste sea traducido a una de los idiomas que aquí se indica, le rogamos se ponga en contacto con nosotros a través de la dirección de correo electrónico enquiries@familymosaic.co.uk o llamando al q020 7089 1000.
q020 7089 1000 Connections, Family Mosaic Konut Kurumu’nun Doğu Londra yöresindeki kiracıları için çıkardığı bir dergidir. Bu derginin Ingilizcesini okuyamıyorsanız ve herhangi bir bölümünün Türkçe’ye çevrilmesini istiyorsanız, lütfen q020 7089 1000 numaraya telefon ederek ya da internete bağlanıp enquiries@ familymosaic.co.uk adresine mesaj göndererek bizimle iletişim kurun.
q020 7089 1000. Warsidahan goboleed waa mid loogu talogalay ijaartayaasha, Connections. Hadii aadan warsidahan ku akhrin karin Ingiriisi, isla markaana u baahato in qeybo lagugu soo turjubaano luqadahan halkan ku xusan, fadlan nagala soo xiriir enquiries@familymosaic.co.uk ama soo wac q020 7089 1000.