iN THIS ISSUE
Those of you who are on our transfer list will have received a new application form to complete.
Ready Steady Cook! A demonstration was arranged recently for tenants who receive tenancy support.......
Credit Unions are here to help you save and if you need to borrow money they can help by providing an affordable rate of interest.
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Cymdeithas Tai Clwyd Newsletter
Cadwyn APRIL 2009
Call of the wild for Ray: A steep half-acre plot overgrown with trees, brambles and weeds and strewn with rubbish would be a daunting prospect for any gardener. Throw into the equation that you have lost a leg to cancer and the challenge would defeat most people. Not so Ray Stubbs, 71, a Tai Clwyd tenant from Dolgellau, who after reworking the garden at his own home, wanted “something else to focus on”. Two years later, Felin Uchaf wildlife garden at Dolgellau, Gwynedd, is springing to life. “I lost my leg six years ago and moved into a specially built Cymdeithas Tai Clwyd house in the town,” said Mr Stubbs. “The garden was covered in grass which was hopeless for me in the wheelchair, so I set about transforming it into a wheelchair-friendly garden.” According to his wife Betty, the gardening “takes away the phantom pain” Mr Stubbs sometimes still feels in the area of the leg he has lost. “As soon as he stopped gardening the pain would come back,” she said. So after remodelling his own outdoor space Mr Stubbs was up for a bigger challenge. Yards from his front door lay the answer - a Gwynedd County Council-owned piece of land, although not everyone would have had the vision to see what could be achieved. A councillor himself, Mr Stubbs persuaded his fellow members of Dolgellau Town Council to back his plan. There then followed “a mountain of paper work” before the land at Felin Uchaf was handed to the town council on a 21-year lease, and work could finally begin. The garden is a longterm project according to Mr Stubbs, who says he would “very much like to be here in 21 years’ time” to see it mature. He aims to get the community as involved as possible, by encouraging volunteers and also has plans to go to the local school to ask if the pupils would like to join in. (continued on page 2)
TENants lead the way! Cymdeithas Tai Clwyd’s Local Tenant Participation Strategy was approved by the Board of Management in December and launched during our Working Group Meeting in February. The strategy which has been developed by the Working Group which comprises of tenants, staff and Board members has been the fruit of more than 12 months work , and although we have complied with the National guidelines in its development, we have primarily focused on Cymdeithas Tai Clwyd’s principles which we hope is highlighted in the Strategy and Action Plan. We will be focusing in the immediate future on mainstreaming tenant participation throughout the Association’s work and have already elected a Tenant Participation Champion on the Management Board and in each department within the Association. This will ensure that our participation activities will be integrated within all our landlord functions and that the strategy is given the appropriate status it needs in order to fulfil its aims and objectives.
(....Ray Stubbs cont Page 1)
Mr Faulkner said he got involved after seeing a small advert in the local library appealing for volunteers. The two men have since put in around 200 hours of work on the site, working between them to fill three skips (to date) of rubbish. “When I met Ray he was not what I had expected at all, and I thought right here’s something I can do, and help Ray to achieve what he wants too.” Phase one is well under way, and is the “public” face of the garden, where 10kg of daffodils have been planted and are already beginning to flower. Because of his reliance on his wheelchair Mr Stubbs is keen that as much of the garden as possible will be accessible to other wheelchair users.
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The biggest thing lacking is help, we need volunteers. Frank and me have done most of the work - and he deserves all the praise. But with any structure you need strength to develop it and there is only so much we can do.
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Until the extra help arrives however, Mr Stubbs keeps ploughing on. Story from BBC news online website
“junior Trip trap” Preventing Misuse of Substances Cymdeithas Tai Clwyd is very proud to be one of the partners involved with the Communities Against Substance Misuse group. so positive, we had to hold the event over two days to accommodate everyone - in total there were 300 pupils present!!
The groups’ main objective is to assist in the reduction of harm to individuals and communities in Meirionnydd by preventing the misuse of substances through education. To achieve this, the group has been working closely with schools within Meirionnydd to organise drug prevention events.
The day consisted of a number of workshops led by many organisations, to include; the Youth Justice Service, the Substance Misuse Team and the Fire Brigade. An interactive theatre session was held in the afternoon which the children really enjoyed. As a group we wanted the day to be light hearted and enjoyable, but with a serious and life long effect. The evaluation forms
On October the 23rd and 24th last year, year 6 pupils from all primary schools in Meirionnydd were invited to take part in an event called ‘Junior Trip Trap’. The event was the first of its kind in the area, and the response was
were very positive; these are some of the comments:
“
It was fun and very interesting; I’d like to come again some time.” “I have learnt so much more today than any lesson on alcohol I’ve ever had before. “
“The day was really cool and fun.” “All of the different sessions taught me something new.
”
Housing Benefit and Council Tax Benefit:
DON’T LOSE OUT..........
People who could get help towards their rent and council tax are missing out. Don’t be one of them............... If you are on a low income, you may be entitled to benefit.
Flintshire County Council Housing Benefit Department County Hall Mold 01352 704848
For further information/advice or an application form please contact your relevant Housing Benefit Unit:
Wrexham County Borough Council Lambpit Street Wrexham LL11 1AR 01978 292032
Conwy Council The Housing Benefit Unit Bodlondeb, Conwy LL32 8DU 01492 576491
Powys Council Revenues Services PO BOX 71 Llandrindod Wells LD1 9AQ 01874 614052
Denbighshire County Council Benefits Department Russell House, Churton Road Rhyl LL18 3DP 01824 706302
Gwynedd Council Meirionnydd Area Office Cae Penarlâg Dolgellau LL40 2YB 01286 682689
Claim if in doubt, don’t go without.
If you would like to receive this newsletter or any other documents in a different format, for example large print, contact us. 2
Are you waiting to transfer? Those of you who are on our transfer list will be receiving a new application form to complete. This new application form conforms with our new lettings policy, which is now operational. We now operate only one waiting list,
and we have a target of rehousing 15% of transfers annually. The main reasons for transferring are if your family has grown, and you need additional bedrooms, that you need ground floor accommodation for medical reasons or if you are escaping violence or anti social behaviour – although in the latter case we attempt to take steps against the perpetrator if there is evidence that you have been persecuted. If you want to move home, another option would be to consider exchanging with a tenant of another social landlord. Cymdeithas Tai Clwyd have joined homeswapper.co.uk, we pay the membership fees for our tenants who register.
calling all tenant s ! Thanks to everyone who replied to the consultation on our equality and diversity operational plan 20092011. The responses included:
100% of respondents believe that it is important or very important that equal opportunities is integrated into the Association’s work. 98% of you feel that it would be advantageous for the Association to provide a leaflet on equality and diversity issues for tenants 90% of you believe that a tenant should be part of the Association’s equality and diversity group.
Cymdeithas Tai Clwyd’s equality and diversity group was set up in 2003 with staff from all departments of the Association, to operate and monitor the service in order to ensure fairness to all. By now, we are very pleased that a Tai Clwyd Board member, Merfyn Roberts, has been elected Equality and Diversity Champion and is attending our meetings. Following your response to the consultation, we are now looking for two tenants to be part of the group. Some of you have already expressed an interest, if any other tenants are interested in being considered to be part of the group, please contact Rhian Hanmer-Jones for more details. We hope to select the tenants during our Tenants Day in August.
If any other tenants are interested in being considered to be part of the group please contact Rhian Hanmer-Jones on 0345 230 3140 or e-mail taiclwyd@taiclwyd.com 3
6 tips to reduce your
Travel Footprint
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Short journeys... Replace short car journeys with cycling or public transport alternatives – it’s less polluting and healthier for you.
Do you need to own a car? If you drive less than 5,000 miles a year, consider not owning a car at all. If you consider the costs of purchase, tax, repairs and servicing, you may find it cheaper to just hire a car when you need one.
Walk more...
One in three car journeys is under two miles.
Fly less...
The rapid increase in flights is having a detrimental effect on our environment. Cut down the number of flights you take and try taking a holiday in the UK for a change!
Drive gently... 50mph uses 30 per cent less fuel than 70mph and produces 40 per cent less CO2 emissions.
Consider converting to LPG... It’s half the price of regular fuel and produces far fewer emissions.
Reduce your bills: Cavity Wall and Loft Insulation Cymdeithas Tai Clwyd is undertaking improvements to the energy efficiency of homes, and has asked Wall- Lag Wales to see if we can increase the insulation in your home. The diagram to the left illustrates how heat is lost in the home. This will help reduce your fuel bills and make your home warmer in winter and cooler in summer. The inspection will take less than an hour to complete and you should not be inconvenienced. You should ensure that an adult is present whilst the fitters are at your home ALL the fitters will carry ID badges and will show you these before they enter your home. If you are still not sure they are legitimate, please call Cymdeithas Tai Clwyd on 0345 230 3140.
ARE YOU PAYING TOO MUCH? For those Tenants whose homes are heated by Storage Heaters on the Option 14 Tariff, we strongly recommend that you obtain your Electricity Supply from Scottish Power as it is possible that other Energy Suppliers are not able to offer the same savings and you may well be paying to much for your electricity supply. Please contact the Maintenance Team at our Denbigh office if you need further advice.
Date for your Diary
Improvements to Tenants Homes Welsh Housing Quality Standard Work and Planned Maintenance
2009-2010 Address
Work
1 - 10 Y Parciau, Bala
Front Doors
Melin y Dre, Ruthin
Doors
Trem y Gwernant, Llangollen
Doors
Bro Hafryn, Corwen
Doors and Windows
Pont yr Afon, Pen y Cae
Doors and Windows
Y Gamer 32-33, 35-36, 44-49, Glynceiriog
Kitchen and Storage Heaters
TAI CLwyd’s GOT
T LENT
This year our Tenants Day will be held on Tuesday 11th August 2009 at St Asaph Leisure Centre. It plans to be bigger and better than ever with activities for the whole family! Transport will be provided from your home, and as always a lovely buffet lunch. Invitations will be sent out shortly! During the day we will also be holding the grand final of our ‘Tai Clwyd’s Got Talent’ competition - for more information or if you would like to enter this competition, please contact the Community Development Team. 4
s tay s afe
Wise up to fire safety Smoke Alarms
Portable Heaters
In the event of a fire:
You are 6 times more likely to die in a fire if you do not have a smoke alarm. Smoke alarms give early warning of fire – especially important when everyone is sleeping. Alarms should be tested weekly, if they do not work properly, contact the Association.
Keep portable heaters away from curtains and furniture.
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Candles
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Always use candles in a correct holder, keep away from flammable materials and keep away from children and pets.
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Children and Fire Children or youths playing with matches or lighters is a major cause of house fires, keep them out of the reach of children.
Smoking Materials Smoking materials cause 10% of house fires, empty cold ashtrays into metal waste bins and never smoke in bed.
Cooking Lives are lost every year when clothing catches fire from naked flames. Chip pans can be dangerous if used incorrectly. Chip pans must never be more than one third full. If a chip pan catches fire:
Turn off the heat Only tackle the fire if safe to do so and then use an appropriate fire extinguisher if available. If not, close the kitchen door and GET OUT, GET THE FIRE AND RESCUE SERVICE OUT AND STAY OUT. Never put water onto a chip pan fire. Cooking during/after drinking alcohol is extremely dangerous.
Electrical One plug for one socket. Replace worn and damaged leads. Never run wires under carpets or rugs. Use correct fuses for household appliances. Test electric blankets annually.
Open Fires Guard all open fires, close-mesh fire guards are best. Do not dry clothes too close to an open fire. Be extra careful when using mirrors above fireplaces The chimney should be swept at least once a year.
Storage Keep items that easily burn to a minimum in the home.
Care at night Your best friend in a fire is a closed door. Empty all ashtrays. Remember to leave a key near every external door. Never smoke in bed.
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Raise the alarm Evacuate – do not stop to collect valuables Call the fire and rescue service, dial 999 Only tackle the fire if it is safe to do so
For more information about fire safety or to receive a home fire safety check, ring free phone 0808 100 2863
Are you insured ? Cymdeithas Tai Clwyd does not insure your furniture, belongings or decorations against theft, fire, vandalism and burst pipes and other household risks. If you do not currently take out this insurance, we strongly advise you to do so. Cymdeithas Tai Clwyd has reviewed its arrangements for an approved Tenants Home Contents Insurance Scheme. With effect from 1st March 2009, the scheme has transferred to the Community Housing Cymru “My Home” Contents Insurance Scheme. Typical Cost of Insurance (annually) Sum Insured
Tenants aged under 60
Tenants aged over 60
£9,000
£41.58
£35.91
For further information regarding the above, please contact your Housing Officer in Denbigh on 0345 230 3140 or our Bala office on 0345 230 3150.
KEEP YOUR HOME FREE FROM DAMP AND MOULD Is your home damp?
How to avoid Condensation
Damp can cause mould on walls and furniture and make timber window frames rot. Damp housing encourages the growth of mould and mites, and can increase the risk of respiratory illness.
These three steps will help you reduce the condensation in your home.
Some damp is caused by condensation. This article explains how condensation forms and how you can keep it to a minimum, so reducing the risk of dampness and mould growth.
1.
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Condensation occurs mainly during cold weather, whether it is raining or dry, it does not leave a ‘tidemark’. It appears on cold surfaces and in places where there is little movement of air. Look for it in corners, on or near windows, in or behind wardrobes and cupboards. It often forms on north-facing walls.
Is it Condensation?
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2.
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Leaking pipes, wastes and overflows Rain seeping through the roof where a tile or slate is missing, spilling from a blocked gutter, penetrating around window frames, or leaking through a cracked pipe. Rising damp due to a defective damp-course or because there is no damp-course.
These causes of damp often leave a ‘tidemark’.
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Ventilate to remove moisture
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•
•
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•
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Keep a small window ajar or a window trickle ventilator open Ventilate kitchens & bathrooms when in use by opening the windows. Or better still, use a humidistat-controlled electric fan. These come on automatically when the air becomes humid. Close the kitchen and bathroom doors when these rooms are in use, even if there is an extractor fan installed. This will help prevent moisture reaching other rooms, especially bedrooms, which are often colder and more likely to get condensation. Ventilate enclosed cupboards and wardrobes. Avoid putting too many things in them as this stops the air circulating. Cut breather holes in the back of wardrobes and leave space between the back of the wardrobe and the wall. Where possible, position large furniture against internal walls.
If you do not think the damp comes from any of these causes, then it is properly condensation.
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Do not overfill the attic space preventing air circulation and do not block the opening under the eaves. In cold weather, keep low background heating on all day, even when there is no one at home
Some words of warning
You can ventilate your home without making draughts.
Condensation is not the only cause of damp. It can also come from: • •
Cover pans when cooking and do not leave kettles boiling Avoid using paraffin and portable flueless bottled gas heaters as these heaters put a lot of moisture into the air. Dry washing outdoors on a line, not on internal radiators Vent any tumble dryer to the outside
Insulate, draughtproof and heat your home
When the whole home is warmer, condensation is less likely
Some ordinary daily activities produce a lot of moisture very quickly.
What is Condensation? There is always some moisture in the air, even if you cannot see it. If the air gets colder, it cannot hold all the moisture and tiny drops of water appear. This is condensation. You notice it when you see your breath on a cold day, or when the mirror mists over when you have a bath.
Produce less moisture
3.
Do not block permanent ventilators Do not completely block chimneys. Instead, leave hole about two bricks in size and fit louvered grill over it. Do not draughtproof rooms where there is condensation or mould. Do not draughtproof a room where there is a gas fire fitted. Do not draughtproof windows in the bathroom and kitchen
Steps against Mould •
• • • •
First treat any mould you may already have in your home. If you then deal with the basic problem of condensation, mould should not re-appear. To kill and remove mould, wipe down all wall and windows with a fungicidal wash. Dry-clean mildewed clothes and shampoo carpets Disturbing mould by brushing or vacuum cleaning can increase the risk of respiratory problems After treatment, redecorate using ‘oil based sealer’ as water based products can cause mould to re-appear.
The only lasting way of avoiding severe mould is sufficient heating and ventilation
Tenants Page..... Special Disco in Wrexham:
STRICTLY TENANTS DANCING... was especially organised for tenants with care and support needs, in partnership with First Choice and Clwyd Alyn Housing Association.
to dress up and go out. Thank you for organising. I’m already looking forward to the next disco!” Carers and support workers’ feedback was also very positive and one support worker said “the venue was perfect.” If you are a tenant with care and support needs that would be interested in attending the disco, please contact the Senior Supported Housing Officer for information.
During the disco the tenants had the opportunity to discuss any tenancy issues with Cymdeithas Tai Clwyd staff, and give their views and opinions on the services provided.
Another special disco was held in November, and for the first time was held at the Ramada Hotel in Wrexham (as suggested by our tenants). The disco
As one tenant from Pentre Broughton said: “It was a lovely night. I really enjoyed the music and the food; and it was nice
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Ready Steady Cook!
I enjoyed the demonstration, and found it to be informative and helpful especially for people like me who are not very good at cooking. I would like for Tai Clwyd to arrange another one, especially now that food is so expensive. I was surprised that a 3 course meal could be done so cheap and healthy. Roll on the next one. Tenant from Denbigh
A demonstration was arranged recently for tenants who receive housing support after they expressed an interest in learning how to buy and cook healthy and cheap food; which is of course timely now that each of us has to watch our pennies! The demonstration was given by Owain Morris, the Association’s Information Technology Manager (who is a keen amateur chef ). He showed the group how to prepare home made pizzas, Cottage Pie and Spaghetti Bolognaise, and an apple crumble for pudding, all of which cost just £1.83 per person. The demonstration was very successful and we look forward to hold similar events in the future. Everyone present received a copy of a Recipe Book created with input from the supported housing scheme tenants. Thanks to everyone who came to the workshop, and of course thanks to Owain.
Scheme 5 Activities
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In December last year, we arranged a trip for Scheme 5 tenants to the cinema. Before going to the cinema everyone had lunch at Mc Donalds and had an opportunity to consult on the Scheme.
The tenants were happy with the support they receive and were of the opinion that their independence has increased dramatically. The tenants were eager to attend activities and keep to the present format in the future. They also agreed that it is a good opportunity for them to express their opinion and discuss ideas. Some of the suggestions with regards to future activities were a trip to the zoo, theatre, concert, museum or Liverpool docks. Details of the next activity will be available shortly. 7
MINI PIZZA INGREDIENTS 1 French loaf 200g tube of tomato puree 1 teaspoon oregano or mixed Mediterranean herbs 100g Mozzarella cheese 1-2 tablespoons olive oil EQUIPMENT Sharp knife, Chopping board, Set of measuring spoons, Baking tray METHOD 1. Cut the French loaf in half lengthways. Cut each slice in three. Spread each piece with tomato puree. Sprinkle the herbs on the tomato puree. 2. Cut the Mozzarella cheese into twelve slices. Arrange two slices Mozzarella on each ’pizza’. Brush the top with the oil. Cook in a preheated oven at 200 C, 400 F, Gas 6 until the Mozzarella is slightly brown, about 10 minutes.
Tenants Page..... Calling all proud gardeners… about having one now, particularly the wild life it attracts and it also helps keep us both healthy and fit. We’ll definitely be entering the competition again this year.”
Mrs Owen’s secret to success
Following Karen Bowen response to our section in Cadwyn “Your Opinion” we are launching a new competition this year - “Pots and Baskets Garden”. This competition is aimed at tenants living in properties with no private gardens but can brighten up the outside of their homes in time for summer with hanging baskets or pots.
If you are proud of your garden then why not enter our gardening competitions!! Last year Mr and Mrs Evans from Llangollen did and won joint 1st prize – much to their surprise. “We’re so pleased we entered the competition, it was just a bit of fun and we didn’t expect to win - but it was nice for all of our hard work to be recognized. We feel that it encourages tenants to really take care of their gardens and to put their own stamp on them. We were new tenants and before moving into this property we didn’t have a garden, which really makes us appreciate everything
If you would like to enter the “Private Garden” or the “Pots and Baskets Garden” competitions, all you have to do is contact the Community Development Team by Friday 15th May 2009 by telephone or post, noting your name and address and stating which competition you will be entering. This year the prizes for both competitions are:
1st place = 2nd place = 3rd place =
£100 £50 £25
Tenants at Tai Clwyd’s sheltered accommodation scheme in Hen Felin, Dolgellau had a great time last year when they entered a sunflower planting competition. We’d like to congratulate Mrs Edith Owen on winning, with the tallest and most beautiful sunflower. Mrs Owens secret was to take it indoors every night. Geraint Jones, Dolgellau’s Community Beat Manager judged the competition and presented Mrs Owen with a bouquet of flowers.
BETTY JOHNSON: My experience as a tenant .......... I became a tenant of Tai Clwyd in 1999. In February 2000 I was a founder member of the Llangollen & Surrounding Areas Tenants Forum. I then went on to become one of the first Tenant Board Members, representing Denbighshire having to resign in 2004 due to ill health. I still continued my work as Secretary of the Llangollen Forum with a short break in 2004. Through my interest in tenant participation I have worked with varying groups over the years and am at present involved with the Tai Clwyd Tenant Participation Working
Group. We recently launched Tai Clwyd’s Local Tenants Participation Strategy which the group have worked on over the last 12 months. This group will now be responsible for monitoring the progress of the strategy. I am also a member of the Tai Clwyd 50 club and at present represent north Wales tenants on a National group which monitor all the Local Tenant Participation Strategies in Wales. We have had one meeting so far and the next
will be in Cardiff in April. I am also the Secretary of the local Cytun (Churches Together in Wales) group here in Llangollen and am an active member of my local Church of Wales. I find the work that I do with Tai Clwyd helps me fulfil one of my Christian beliefs regarding caring for my neighbour.
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I do enjoy working with Tai Clwyd as I find them to be a great organisation. The
integrity and commitment towards tenants being of the highest standard from all members of staff making it a pleasure to be involved with them. Long may it continue. .... If you would like to write in about your experiences as a Tai Clwyd Tenants please contact the Community Development Team.
NEW NAME SOUGHT FOR GROUP!
Christmas Parties
The Tai Clwyd 50 Consultation Day was held at the beginning of December at the Hand Hotel in Llangollen with 26 members of the group attending.
Workshops and presentations were held on a number of topics including: • • • •
Review of the Tai Clwyd 50 Club Anti-social behaviour policy Service Standards Equality and Diversity
All the information gathered on the day is very much appreciated and the comments will be fed back and used when looking at the relevant policies etc.
We are currently looking at re-naming the group as we now have over 50 members and we have realised it has been causing some confusion as people have been under the impression it is for people over the age of 50 only. There were 3 suggested names for the group
• • •
Christmas Dinner with all the trimmings. Congratulations to Ms E Hart from Dolgellau for winning the annual prize draw of £50. Annie Jones who is also a Tenant Board Member said: “It was a thoroughly enjoyable day, very worth while, as tenants we know Tai Clwyd take our opinions on board and that is very important to us. I hope you continue to organize this event year after year.”
The Peoples Voice The Gold Group Tai Clwyd’s Tenants Forum
However if you have any other suggestions we would love to hear from you and the name will be taken to a vote during May. We will also be looking at introducing an incentive scheme for the group, more information on this will follow.
If you would like to become a member of the Tai Clwyd 50 Club, please contact the Community Development team for more information.
After a busy morning’s work the group enjoyed an early
Name the Mascot Competition
Congratulations to Sophie Tamara Petford, 3 Gwern Grug, Dolgellau who won the ‘Design a Mascot Competition’ from last April’s edition of Cadwyn. Since receiving Sophie’s design we have contacted designers and we are currently awaiting a final design before going ahead with making the costume – you’re sure to see the costume over the summer! Sophie will receive a prize worth £100 for her efforts.
We are now launching a competition to ‘Name the Mascot’ please look at the picture and think of a name for him/her. If you can think of a name, please complete the form and return to the Community Development Team before the end of May.
Once again Cymdeithas Tai Clwyd organised Christmas parties for the Llangollen Forum and both our sheltered accommodation schemes, Wynne’s Parc in Denbigh and Hen Felin in Dolgellau. The residents of Wynne’s Parc enjoyed a buffet lunch in their communal bungalow whilst the residents of Hen Felin ventured down to the Ship Hotel in Dolgellau for a traditional Christmas dinner. The Llangollen Forum were joined by the pupils of Ysgol Bryn Collen who came down to sing a few Christmas Carols in the Hand Hotel
Prize worth
£30! Name: ....................................................................................
There will be an opportunity for you to see the Mascot during our roadshow in Gwynedd and Powys this year.
Address: ..............................................................................
For those under 16 years of age only.
Name of Mascot
.................................................. Post Code:......................... Age: ................... Contact Tel no: ....................................................
.................................................................................................. 9
CREDIT UNIONS: Here to help you save Credit Unions are here to help you save and if you need to borrow money they can help by providing an affordable rate of interest. They are companies that provide the same financial security as any other financial institution. We will pay your membership fee.
Working with Caledfryn
During March and April, Cymdeithas Tai Clwyd sponsored Caledfryn Credit Union in their campaign to encourage people and children to save towards Christmas. Every person who opened an account during these months were entered into a prize draw for a chance to win £100 and every child who opened an account received an Easter egg in a cup - we hope that many of you in Caledfryn’s area took advantage of this opportunity.
Credit Unions are Community Cooperatives whose aim is to assist you in taking control of your finances to encourage you to save when you can, and borrow money that you can afford to repay.
another town which has a credit union, e.g. you might live in Bala, but work in Ruthin or Corwen, Caledfryn Credit Union operates in Ruthin and Corwen.
If there isn’t a Credit Union operating where you live – you can also join one if you work in
Your Opinion! We would like your ideas and suggestions for CADWYN’s Tenants’ Pages. Complete this section and return in the pre-paid envelope. Or you can e-mail: mair.edwards@taiclwyd.com
Name: ...................................................................... Address: .............................................................. .........................................Post Code: ..................... Contact Tel No: .................................................... What is your opinion of this edition of CADWYN? ............................................................................... What was your opinion of the new layout? ............................................................................... Ideas for items for the next edition: …………………………………………………...…… Ideas of new name for Tai Clwyd 50: ............................................................................... 10
All Flintshire Credit Union (Flintshire) 27 High Street Holywell CH8 7TE
01352 715555
Caledfryn Credit Union (South Denbighshire) 19 Bridge Street Denbigh LL16 3LF
01745 817444
Clwyd Coast Credit Union (North Denbighshire) 17-19 Bodfor Street Rhyl LL18 1AS
01745 361274
Llandudno & District Credit Union (Conwy) 144 Conwy Road Llandudno Junction LL31 9NP
01492 580028
Robert Owen Credit Union (North Powys) 26 Market Street Newtown SY16 2PD
01686 623741
Y Llechen Credit Union (Gwynedd and Anglesey) 41 Pool Street Caernarfon LL55 2AE
01286 678686
Wrexham County Borough Credit Union (Wrexham) 1 North Arcade Chester Street Wrecsam LL13 8BB
01978 266843