housing for women annual review 2012

Housing for WomenAnnual Review

Welcome to Housing for Women’sannual review 2010-2011

We are a charity and housing association and have beenproviding homes for London’s women for over 75 years. In these difficult times,the core of our work continues to besupporting women by providing secure, affordable housingand related services, helping our residents to make the mostof their life chances. We also provide targeted services forwomen who have suffered domestic violence, beentrafficked or have been released from prison.

Our MissionWe work to empower women through providing goodhomes and services and challenging inequalities faced by women.

Chair’s and Chief Executive’s message

This year is the two hundredth anniversary of Charles Dickens’ birth. Dickens was

horrified by the conditions he witnessed of poverty in London and was a passionate

social campaigner. Although we don’t face the same levels of poverty as the

Victorians, the economic downturn means that times are hard for many on low

incomes in London. We are facing unprecedented cuts in social care and benefits

but the impact has barely started, with estimates that 80% of the cuts are yet to bite.

At Housing for Women we are committed to providing good quality housing and

support to give our residents security and stability to weather the hard times ahead.

We were delighted to learn from our tenants’ survey that 84% of our tenants now feel

we provide a good service to them, up from 72% three years ago. We continue to

work closely with our dedicated Tenants’ Panel to continually improve services.

We are pleased to report that we made another surplus this year after completion of

our major property improvement programme in 2009. It is important that we rebuild

our reserves so that we are in a stable financial position to face any adverse effects

from the current economic situation. We are still developing under the old grant

regime adding 61 homes to our stock last year with a further 38 in the pipeline,

together with the successful transfer of services from Greenwich Women’s Aid.

We said goodbye to two Board members this year: Tina Townsend who had served

four years as Chair and Mary Laing who retired after twenty years’ sterling service to

the Association. We are grateful to both of them for their hard work on behalf of the

Association and are pleased that Mary continues her links with us as a volunteer.

Our annual review sets out the challenges we face. We revisit the women we

interviewed last year to find out how they are getting on. These are real life stories of

the reality of life in London. What comes across is the resilience and courage of

these women to make the most of difficult circumstances. We hope that the work of

Housing for Women supports both them and all our tenants to succeed.

Barbara Riddell Elizabeth Clarson

Chair Chief Executive

Housing for Women | Annual Review 1

Hard times - the impact ofspending cuts has beengreatest on women,especially in Londonwhere living costs are higher.

There are 4 millionwomen and one

third of thesewomen are eitherBlack or Minority

Ethnic1

Women earn 87pfor every £1 earned

by a man – thehighest gender paygap in the country,

which has notchanged in the past

10 years1

630,000 childrenlive in poverty – thehighest rate of childpoverty in any UK

region2

Funding for servicessuch as Sure Startcut by an average of £50 per child3

Cuts to housingbenefit likely to

affect London morethan other areas of

the UK4

Women In London:

Footnotes1 GLAEconomics, Working Paper 45, Women in London’s economy – update 2010, Steven Edgson

and Margarethe Theseira.Women in London’s Economy, GLA 2005.2 London Child Poverty Commission, Legacy Report, March 2010

3 Tony Lloyd MP, March 2011, House of Commons Library

Work and pay

Women are hardest hit by the job cuts

in the public sector. This employs a

high proportion of black and minority

ethnic women, so they will suffer

disproportionately as a result of

these cuts.

Cuts in childcare benefits

The childcare tax credit has been cut from

80% to 70%, making childcare more

expensive for working parents. Nurseries

are closing and after school and breakfast

clubs are hit by rising costs.

Child benefit was frozen for three years

from April 2011. Because this benefit is

paid directly to the mother, this will mean

women become more financially

dependent on their partners.

Lone parents

They will be affected as they have to meet

childcare costs out of one income.

Women as carers

Women are traditionally the carers in the

family. As state services are withdrawn

they will have to take on ever increasing

levels of unpaid and informal care work.

These extra care responsibilities limit

opportunities for paid work.

Violence against women

Evidence shows that times of economic

pressure and high unemployment lead to

an increase in domestic violence. It will be

harder for victims of domestic abuse to

claim legal aid as the definition of

‘violence’ is changing. Funding for

women’s refuges is being threatened

as this is no longer ‘ring fenced’ and

cash-strapped councils review their

spending priorities.

Older women

Cuts in jobs and pay mean women are

more likely to suffer poverty in old age

because they are less able to save

for retirement.

By 2020 the state pension age for women

will be 66 years. This has been brought

forward six years earlier than originally

planned, making it difficult for women to

plan properly for their retirement.

Homes

Shortage of housing in London make it a

city of high rents so cuts in housing benefit

will hit Londoners hardest. In the first six

months of 2011 only 454 affordable homes

were begun, just 56 of these in London. In

2010 the number of affordable homes built

in the same period was 4000.

There were 53,000domestic violencecrimes reported

(2009)5

Costs for childcare,housing and travel

are higher thananywhere else in

the UnitedKingdom6

Two thirds ofpensioners living in

poverty arewomen7

200,000 peoplelive in overcrowded

conditions8

The unemploymentrate of 9.4% is well

above the UKaverage of 7.8%9

Archbishop says benefit cuts trap

jobless ‘in spiral of despair’

The Times 8 November 2010

Cathy Come Home’s lesson

will soon be learned again

Guardian 14 October 2011

Footnotes4 The impact of tax and benefit changes announced in Budget 2011 and previously on households in London, James Browne, Institute for Fiscal Studies, January 2012.5 Metropolitan Police Authority, Domestic and Sexual Violence Board, 2006-11.6 Impact of Welfare reform in London, Considerations for childcare, Kate Groucutt, Policy and Research Director, Daycare Trust, 2011.7 National Assembly of Women, Pensions, March 2010. The Scottish Widows UK Pensions Report, Sixth annual report on the state of retirement savings across the nation, June 2010.8 Shelter. www.londoncouncils.gov.uk, key facts about London.9 www.londoncouncils.gov.uk, key facts about London.

Do we care about 300,000 morechildren in poverty?

The Guardian 13 May 2011

UK unveils dramatic austerity measures

Financial Times 20 October 2010

Last year we talkedto some of ourresidents abouthow they cope withday to day living.This year we havereturned to some of them to find outwhat has changedin their lives.

These are stories of resilience, of making

do, of getting on with things and ‘toughing

it out’. As the costs of household and food

bills rise, they told us about how they cut

back. Low incomes are made to stretch

through frugality and doing without.

Some women are aware that they are not

fully realising their potential but feel ‘stuck’.

The women who are of working age long for

secure employment that suits their personal

circumstances. Low paid, insecure work is

easy to cut back as the market changes.

Against the odds perhaps, some lives

have also got better because working or

volunteering has encouraged a stronger

sense of self-worth and confidence. Those

women who are carers or single parents

find that they need other spaces in which

to ‘clear their heads’.

IrisIris is very conscious of making the best of

what she has, of making things last and not

being wasteful. In part she attributes this to

living through rationing (she’s 85) but it’s

also a deeply held philosophy – she cares

about sustainability. She belongs to the

Green Party, buys her energy from a ‘green’

supplier, and is a committed recycler.

Running taps and lights left on fill her

with horror.

Iris started working at a young age – her

mother died when Iris was 14 and by the

time Iris was over 17 she’d already had 2

jobs. Despite the fact that Iris worked all of

her life, the nature of the jobs available to

women like her means that she couldn’t

have a private pension.

She has to complete an annual form for

pensions credit and worries a lot about her

savings and how they might impact on her

credit. Her £400 fuel allowance has been

reduced to £300, but this had no real impact

on her.

Iris has always had a strong sense of public

duty and been engaged in voluntary work

with organisations such as Victim Support

and the Samaritans; this has been a hugely

rewarding experience for her. Iris continues

to have a highly active and engaged life,

from keep fit to current affairs classes and

attending £5 concerts at the Royal Albert

Hall. She has resolved to keep trying to

really live and enjoy her life.

Iris has been a tenant of Housing for

Women for 31 years. She’s pleased that

there’s now a caretaker for the property

she’s in and a handyman who cleans her

gutter every month. Julia, the member of

staff advising older tenants, has become

an invaluable resource for Ivy.

SarahSarah is a single mother to two young

children, an 8-year-old son (who has

autism) and a 6-year-old daughter (who has

sickle cell disease). The demands of

parenting two young children with a range

of complex needs take their toll on Sarah.

While she is proud that she is coping, she

is also frequently exhausted.

Sarah’s receipt of a range of welfare

benefits hasn’t changed since last year. She

gets anxious about what the government

may change in relation to benefits. She

already uses a budget planner and yet finds

it hard to cope with paying bills. She has

been struggling for some months to find

enough money to pay the water bill. There

are various insurance bills she has to pay

and she has noticed the price of food going

up – she probably spends £30-50 a week

on food. She doesn’t buy clothes very often.

When Sarah’s daughter has a sickle cell

crisis, she can’t walk and is in terrible pain

for several days. Her son’s autism can be

challenging. He is non-verbal – he

communicates his feelings and needs

through pictures. The support from the

school is amazing, though sometimes even

the school has to send him home when his

behaviour is particularly difficult. Sarah is

philosophical about her lot: “I need to stay

healthy for my kids’ sake. I’ve come to

terms with the fact that I’ll be doing

that alone.

The unpredictability of the children’s

demands makes the prospect of full-time

employment or even committed part-time

employment for Sarah impossible to

sustain. Sarah has started volunteering

once a week in the head office of a prison

charity, which puts her administrative skills

to good use. They are lovely people,

accommodating about her family

circumstances, and the experience

generally helps to ‘clear her mind’.

FionaA single tenant in Kensington, Fiona works

on a ‘zero hours’ contract as a teacher of

young adults. The hours she has currently

worked are fewer than the previous year

because numbers of students have fallen.

Over the last year, Fiona has noticed the

rising costs of food and other bills. Public

transport is expensive. In January she

hadn’t yet turned on her heating and was

resorting instead to putting on an extra

jumper. Although she is quite frugal in terms

of what she eats, Fiona has to cut back on

things if she wants to find enough money to

do something nice.

Fiona lives in a state of fragility, which she

says has got worse. She checks her bank

account daily. She is very conscious of what

feels like a fine line between her current

existence and suddenly finding herself

tipped into having nothing.

Fiona feels that it is important that a range

of people can live in inner London to bring

balanced and mixed communities. Some of

these people will be doing work that others

don’t want to do but depend on. It doesn’t

seem right to her that people on benefits

might be consigned to pockets of housing

in other areas and it’s not at all clear

where the ‘squeezed middle’ or people

on low incomes are supposed to live.

Moving people out of London feels to

her like ghettoisation.

Home ownership and secure employment

feel out of reach for her and other people

like her that she knows. The biggest step

that would improve the quality of her life

would be having a secure and guaranteed

income and not having to worry about that

any more.

6 Housing for Women | Annual Review

Special Projects

Domestic violenceOur refuges in South and West London

provide safe accommodation for up to 32

women and their children fleeing domestic

violence.

Families often arrive with few possessions,

uprooting their daily lives and routine. They

may be distressed, fearful, depressed and

with low self esteem after fleeing an

abusive, threatening or violent relationship.

Women are welcomed into a supportive

environment by trained and skilled staff who

will help them recover from the trauma and

distress of their ordeal as well as offering

practical help and advice. At the refuge,

women are able to use their time to reflect

on their lives and experiences and, with

support, they can start to make positive

plans for their future. A structured

programme ensures they take control of

their lives and move on to their own safe

permanent home.

Children are also witness to, and victims of,

domestic violence and each of our refuges

has a specialist Children’s Worker to

provide support tailored to each child’s

needs. This can include one to one

sessions and therapeutic group play to help

the child form positive relationships.

Over thirty-five women and their children

have moved on into their own homes

over the year.

I was covered in bruises when I was firstinterviewed at Housing for Women, butwithin two weeks I had been given a flat tomove to with my 18 month old daughter. Wesettled in well and I have since been tocollege, done my A levels and I am nowworking full time. I have been with Housingfor Women for eight years and I’m proud tosay I now pay full rent. I have always feltsafe and secure in my home and I am reallyhappy with the help I have had.

I came into the refuge a timid girl but now

feel stronger as a person and a mother.

Being in this environment surrounded by

women that I can relate to, made me realise

it wasn’t only me and it wasn’t my fault.

Re-Unite South London The Project has 10 homes across South London and a Resettlement Worker to

provide intensive support including: tenancy sustainment, finding work, education,

finding schools and help with legal/custody matters in respect of their children.

The support is intended to give the family stability by helping them to become

self sufficient, supporting the mother to avoid re-offending.

The Project has its own dedicated Children’s Worker to help the children

re-establish healthy bonds with their mothers.

Two Re-Unite families have successfully moved on into independent

accommodation this year.

I was so desperate. If Re-Unite hadn’t helped me, I don’t know what I would have done. I was

worried on a daily basis. I dread to think what would have happened. But the thought of being

in a hostel with the children was too much; I think it would have been devastating for them.

They would have suffered.


Re-Place Re-Place offers second stage

housing and support for

women who have been

trafficked for sexual

exploitation.

Many of these women have been born into

poverty and are sold to traffickers or

promised ‘work and a better life’.

Re-Place provides temporary, self

contained housing and visiting support to

help with day to day activities. The women

who come to the project have a variety of

support needs including immigration, Post

Traumatic Stress, budgeting, fear of leaving

their home and isolation

We currently have 11 dispersed, self

contained flats with a dedicated Support

Worker who will develop a tailored plan,

signposting to specialist agencies as well as

providing a range of direct support.

“... my life now belongs to me .. and I can

make plans for the future.”

Clients are referred from ‘safe houses’

when they are ready to live alone with

support. We support clients until their

immigration status is resolved and they are

ready and able to move on to mainstream

housing and independent life, or return to

their country of origin.

Four women have successfully moved on to

independent accommodation this year.

Volunteers

Volunteers provide valuable additional

support in the running of our refuges

and include a parenting coach and

trained counsellor.

We have also recently recruited 10

volunteer mentors to provide additional one

to one support to Re-Unite and Replace

service users. They will work with the

women up to two hours a fortnight, helping

them to achieve specific goals such as

budgeting and accessing college courses.

All volunteers are trained, supervised and

CRB checked.

Lily StevensRe-Unite Project

Co-ordinator

Megan GriffinSupport Worker

Our TenantsWe have now hosted two tenants’ conferences, the first in Kensington and Chelsea

and this year in Deptford at the Stephen Lawrence Centre.

Our properties are spread across eight London boroughs and the conference provides an

opportunity for tenants to socialise and have a fun day out with their families. We always have

speakers and workshops on issues that affect our tenants and this year the focus was on

money matters.

Older tenants’ workerA quarter of our tenants are pensioners and many live alone.

We have a dedicated worker who provides advice and support to our older

tenants living in our properties. She helps with a range of issues from welfare

benefits, ensuring tenants receive appropriate social care and advising on

housing options. She is supported in her work by Mary Laing, who volunteers

with social activities. Mary is well known to many of the tenants from her

longstanding service as a board member and Vice Chair of the Association.


Julia Linfoot

Partner Organisations A2 Dominion Housing Group

Affinity Sutton Group

Circle Anglia Limited

Commonweal Housing

London & Quadrant Housing Trust

Hanover Housing Trust

Medaille Trust

Older Women’s Co-Housing, London

Women’s Housing Forum, London

We work closely with two groups of small

housing associations:

SoLFed

Housing for Women

Ekaya Housing Association

Lambeth and Southwark Housing Association

New World Housing Association

Southwark & London Diocesan Housing Association

Solomon Group

Innisfree Housing Association

Shian Housing Association

Women’s Pioneer

ARHAG

Waltham Forest Housing Association

Referral Agencies

Church Army

Eaves

Lewisham Refuge

Look Ahead Housing and Care

Medaille Trust

The Passage

Southwark Women’s Aid

Charitable Funders

City Bridge Trust

Comic Relief

The Henry Smith Charity

J Paul Getty Jnr Charitable Foundation

Quaker Housing Trust

Notting Hill Methodist Church

Youth and Philanthropy Initiative – Quest Academy,

Selsdon

Evening Standard Dispossessed Fund

We are very grateful for the support we receive from

these organisations and donations from individuals.

For donations to our refuges see the Refuge

Annual Report.

Tenants’ PanelThe Tenants’ Panel had a very

productive year.

Early Spring discussions focussed on

Housing for Women’s Tenant Survey

which was carried out in 2011.

The Panel helped put together the

Survey questionnaire and considered

comments and results, making

suggestions for follow on work where

satisfaction levels needed improvement.

Panel members were also involved in

reviewing procedures and had an input

into the organisation of the tenants’

conference.

They have also been closely involved

in the monitoring of tenant complaints,

contacting tenants to find out if they are

happy with the way their complaint was

handled.

Since April 2011 a number of Panel

members have been involved in the

new SoLFed Scrutiny Panel, consisting

of tenants from other housing

associations in the SoLFed partnership.

The Scrutiny Panel has developed a

set of standards for organisations to

achieve across their services and it will

monitor how landlords meet these

standards over the coming year.

Come and join us.

Wilhelmina Buckley, Chair

Frances Blyther

Wilhelmina

Buckley

Roma Durban

Hilary Irving

Mary Johns

Twee Nguyen

Nancy Richardson

Yuleane Tulloch

Barbara Watson

Tenants’ Panel members


Maintenance• We carried out a painting and decorating programme for 43 homes.

• We renewed kitchens in 26 homes.

• We upgraded gas boilers to ‘A’ rating in 41 homes.

• 27 homes received new bathrooms.

• We carried out roof renewals and installed doubled glazed window units infour homes.

• We were re-accredited with the BSI kitemark for our Maintenance Service.

• We continued to up-grade our fire alarm systems to Grade ‘A’ standard.

• We provided additional security and enhanced visibility to remove blind spotsfrom the pathways in one our block of flats.

• We upgraded the security of an internal door and door entry system to helpsome of our tenants affected by trespassers.

• We achieved 100% in gas safety inspections.


Repairscategory

No of jobscarried out

Jobs carried out on time Oct 2010/Sept 11

Jobs carried out on time Oct 2009/ Sept 10

Emergency (24hr) 225 100% 100%

Urgent (7 days) 406 94% 95%

Routine (28 days) 2427 96% 97%

Total 3058

New developmentsThis year we took ownership of a large development of one and two bedroom flats in the

heart of New Cross, Lewisham and a block of 22 flats in Southall, Ealing. We were able to

work closely with both Ealing and Lewisham boroughs to allow clients from some of our

supported housing projects move to permanent homes in these schemes.


“I love being aHousing for Women

tenant. I have beenvery happy here

and I reallyappreciate theservices I get.”


Homes in management

Camden 10Ealing 74Greenwich 181Hounslow 43RB K&C 198Lewisham 180Southwark 121Westminster 24

Total 831

Bedsits 164

1 bed 291

2 bed 254

3 bed 81

4 bed 9

Hostel spaces 32

Total 831

Rents 09/10 10/11

Cash collected 99% 93%Average rent arrears 4.6% 5.5%Average re-let time 22 days 28.6 days

Housing Services

Bedsit

76.8

4

82.2

6

85.9

5

93.0

3

99.3

8

108.

13

113.

41

119.

55

125.

27

132.

26

1 Bed 2 Bed 3 Bed 4 Bed

09/10

10/11

Working full time Working part timeUnemployed job seekersRetiredNot seeking workStudentsLong term sick

15%

17.5%

30.5%4%

4% 5%

24%

Internal transfersLocal authority nominationsExchangeReferral agencies

14%

66%

19%

1%

Rent Levels

Who we housed


The cuts mean women haveto take on increasing

unpaid care work, limitingopportunities for

paid work.


Money mattersIncome and expenditure account for year ending 30 September 2011

All figures in £000's 2011 2010

Turnover 5,062 4,131

Operating costs (3,821) (3,544)

1,241 587

Interest receivable 10 52

Interest payable (679) (512)

Surplus/(Deficit) on ordinary activities 572 127

In 2011 the Association made another surplus and is now on the way back to profitability after

completion of the property improvements programme in 2009.

Turnover of £5.06 million (2010 - £4.13 million) includes £4.06 million from rents and service

charges paid by our tenants living in 799 self contained homes and 32 hostel bed-spaces.

The remainder of our income was attributable to other sources such as supported housing

grants, grants from charitable trusts and local authorities, donations, legacies and interest on

deposits.

At April 1st 2012 the Association took over the services of Greenwich Women’s Aid.

Six months income and expenditure from those service are included in these accounts.

Balance sheet as at 30 September 2011

All figures in £000's 2011 2010

Fixed assets 70,210 61,298

Grants (46,845) (40,800)

Depreciation (2,844) (2,560)

20,521 17,938

Current assets 3,509 5,947

Current liabilities (2,152) (2,205)

1,357 3.742

Net Assets 21,878 21,680

Long Term Loans 17,528 17,902

Reserves 4,350 3,778

Reserves and Long Term Financing 21,878 21,680

A full copy of the accounts is available on request from the Chief Executive


At 30 September 2011, the Association owned or managed 799 properties and 32 hostel bed-

spaces. We plan to manage or acquire a further 38 homes over the next 12 months.

96.3% of our net fixed assets, after deducting grant and depreciation are social housing

properties. The depreciated values of assets in our accounts are historic and do not reflect

the current market value of the Association's property; we estimate that the open market

value of all the Association’s property is in the region of £110 million although the value if sold

as social housing would be closer to £40 million.

At the end of the financial year the Association held £2 million in cash from its facility with

Nationwide Building Society. This money will be use to fund the Association’s development

programme in 2012.

How every £1 was spent

In 2011, after paying for interest on our loans, we had a surplus of 14 pence for every pound

of rent to put towards rebuilding the Association’s savings which fund future re-investment in

the Association’s properties.

Services ManagementRepairsImprovementOtherInterest and savings

7

6

21

35

29

10

11

5

2916

12

19

2010

2011

Barbara Riddell MA OBE (Chair)Appointed to Board May 2009

Barbara has over 30 years experience at

senior level in central and local government

and two of London's emergency services -

the Metropolitan Police and the London Fire

Brigade (LFB). She recently retired from

being Director of Resources at LFB where

she took a particular interest in the

recruitment and promotion of women in

the service, for which she was awarded

an OBE.

Barbara was appointed as Chair of Housing

for Women in June 2011.

Karen Bradshaw MA (Vice Chair) Appointed to Board January 2007

Over 20 years senior management/project

management experience in the third and

public sectors including specialist services

development for minority groups,

fundraising, financial management

and IT projects.

Sheila Belgrave BA MBA (Chair Diversity Working Group)Appointed to Board March 2010.

Sheila has over 30 years experience in the

housing sector as a senior manager, a

housing inspector and has served on

several housing association boards and

sub-committees. She is also vice-chair of

the SWAN Group Board. Sheila is currently

the Chief Executive of Homes in Havering,

an ALMO based in the London Borough of

Havering in Essex.


Board

Elizabeth CarsonChief Executive

Chris LawalDirector of

Property Services

Judith ChambersDirector of Housing

Sefvices

Meera BediDirector of

Development and New Initiatives

Zaiba QureshiDirector of

Supported Housing

Caroline AllenDirector of Finance

Senior Staff

Caroline Donaldson MA ACA MBA (Chair Audit Committee) Appointed to Board May 2009

Originally trained as a chartered

accountant, Caroline has over twenty-five

years experience in a wide range of

businesses and roles in public, transport

and charity sectors. She is currently

working as Bid Director for FirstGroup plc.

Dr Fahmia Huda OBEAppointed to Board August 2011

Currently working as a management

consultant having held senior policy and

delivery posts in a number of Whitehall

departments including the Home Office,

Communities & Local Government and the

Ministry of Justice. Other posts currently

held include board director of Social

Pioneers, a social business development

agency, and director at Eurisco Solutions.

Previously a board member of Community

Housing Therapy and the Holocaust

Memorial Day Trust and served for five

years as a lay member of a local mental

heath panel.

Liz Marsh BSc (Hons) MRICSAppointed to Board September 2009

Surveyor with over 20 years commercial

experience of many sectors of the real

estate industry.

Marie-Louise Clayton LLB FCCA Appointed to Board May 2009

Marie-Louise has had 25 years experience

in the private sector as a Finance Director

for a number of large companies. She took

a Law degree at Exeter University and then

qualified as an accountant in industry. She

now works as a non-executive for a number

of private companies.

Diane Herbert BA (Hons)(Chair Remuneration Commitee)Appointed to Board May 2009

Director of Human Resources at Channel 4

with over 20 years experience in

organisation development, leadership,

internal talent management and people

management within blue chip organisations.

Bernadette O’Shea Appointed to Board March 2010

Bernadette spent 20 years working in local

government doing a variety of jobs including

community worker, women's equality

adviser, senior advisor on policy and

performance and Director of modernisation

and customer services.

For the last four years she has been the

Chief Executive of Hounslow Homes,

a local authority housing 'company'

responsible for the management and

maintenance of 16,000 homes.


Company Registration no: 420651Tenant Services Authority no: L0970Registered Charity no: 211351

A company registered not for profit, limited by

guarantee and not having a share capital.

Principal BankersLloyds TSB Bank plc39 Threadneedle StreetLondon EC2R 8AU

SolicitorsCoffin Mew22 Kings Park RoadSouthamptonSO15 2UF

AuditorsBeever and StruthersChartered AccountantsAlperton HouseBridgewater RoadWembleyMiddlesexHA0 1EH

Internal AuditorsSmith and WilliamsonChartered Accountants25 Moorgate

London EC2R 6AY

Housing for WomenSixth Floor, Blue Star House, 234–244 Stockwell Road,London, SW9 9SP

Telephone: 020 7501 6120Fax: 020 7924 0224

[email protected]

PhotographyJohn Stuttle

Laura Mtungwazi

Designwww.toastdesign.co.uk

TextHousing for Women and

Campbell Tickell,consultants in the

not-for-profit sector

FS74779Maintenance Services

housing for women annual review 2012

Documents

londons women

women annual review

hard times

courage ofthese women

hard work

housing association

servedfour years

dicult times