Govan Housing Association

Property

Factoring

Factoring Service

Welcome to Govan Housing Association’s Factoring Service.

The Association aims to provide the highest standard of service to all domestic and commercial proprietors whose properties we manage.  In particular we aim to provide a factoring service that is sensitive to the wishes of owners and responsive to their needs.

An owner’s pack is issued to all new owners.  A copy of the owners pack can be requested by contacting the Property Accounts Department on 0141 440 0308 or general@govanha.org.uk.

Reporting a Common Repair

Please remember to report only common repairs and not repairs to individual properties.  Common repairs can be reported in a number of ways: Phone the repairs line on 0141 440 0988 during office hours, Call into our office at 35 McKechnie Street between 0900-1630, Write to us at our office, Email repairs@govanha.org.uk or Contact us using the Repairs request form

Emergency repairs can be reported by calling Carillion on 08459 303031, please note only emergency repairs outwith office hours should be reported to Carillion, if a non-emergency repair is reported the call out fee will be recharged.  The target times to complete repairs are as follows:

 Emergency                         3 hours

Urgent                                   1 day

Routine                                 10 days

The Association employs contractors from our approved Contractors list.    These companies are assessed in terms of cost, quality and equal opportunities.   Should they perform poorly they are removed from our list.  

Each owner will be charged a share of all common repairs as determined by their deed of conditions.

Cyclical Maintenance

We will produce a cyclical maintenance plan to ensure that the common areas are maintained to a good standard.  This will be reviewed annually.

Non - Common Repairs

The Association does not carry out non-common repairs to owners individual properties.

Payment Cycles

Invoices are issued to owners twice a year covering the period 29^th March to 28^th September and 29^th September to 28^th March.

Invoices will be sent to owners within 4 weeks of the period end as follows:

Period End                Invoices sent by

28^th March                 28^th April

28^th September        28th October

Ways to Pay

An increasing number of owners are taking up the option of paying their factoring accounts on a monthly basis by standing order. 

There are many advantages for owners who use this method of payment.  It is easier to budget and standing order is a more convenient method of payment, avoiding the need to visit the office or send a cheque in by post.

Alternatively, you can make payment at any branch or the Royal Bank of Scotland using the bank giro slip, enclosed with your invoice.

If you would like to take pay your factoring by monthly standing order or you would like to discuss other payment methods, please contact either Jacqueline or Mary in the Property Accounts Section, tel: 0141 440 0308.

Debt Collection Methods

If owners fail to pay we may carry out the following:

• We may trace the owner to home or business address.
• We may remove the property from our block insurance.
• We may instruct Sheriff Officers to visit the property.
• We may attach a Notice of Potential Liability for Costs to your property.
• We may take court action depending on the level of debt.   If you owe over £150.00 or are persistently in arrears and have no active arrangement plan, the Association will take court action to obtain a decree for payment.
• To enforce the decree for payment we will use sheriff officers to carry out arrestments, attachments of property, etc.

If you are struggling to pay we can set up an arrangement to pay by installments and if appropriate refer you to debt advice agencies.

Insurance

The Association will arrange building insurance cover via its common block policy and recharge the appropriate premium on the factoring invoice.  Currently there is a £100.00 excess. 

Management Fee

Our fee represents the cost of administering and carrying out the property management duties detailed in your deed of conditions. The management fee is reviewed annually to ensure that it covers the cost of providing the service.    If we propose any increase in the future we will consult owners and notify you in advance of the increase being applied.

Complaints

Queries or complaints should be reported to the Property Accounts Section, by either calling 0141 440 0308, visiting the office or by email complaints@govanha.org.uk.

If we cannot resolve your complaint informally you will be advised to make use of the Association's complaints policy to help resolve the dispute.   

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Registration: Financial Services Authority Reg. No. 1686 R (S) Communities Scotland Reg. No. HEP 87