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Comparison of tenant deposit schemes in England and Wales

In England and Wales there are three government-approved tenancy deposit schemes (Scotland and Northern Ireland have different schemes). They are Deposit Protection Service (DPS) MyDeposits  Tenancy Deposit Scheme (TDS) Insured vs. custodial scheme Insured scheme: the landlord/agent can hold the tenancy deposits during the term of the tenancy. They need to pay a fee to the deposit scheme to register the deposit. At the end of tenancy, if the tenant raises a dispute, they must transfer the disputed amount to the deposit scheme until the matter is resolved by a free dispute resolution service provided by the scheme or a court.  Custodial scheme: the scheme holds the deposit for the duration of the tenancy. Custodial Schemes is free of charge for the landlord/agent. At the end of tenancy, both parties agree before the deposit can be released to the tenant/landlord. If there is a dispute, the release of deposit will be based on the decision of the free dispute resolution service provided b

Morrison: £30 off for Christmas and the New Year

This £30 voucher seems quite attractive, but if you read carefully, you will find actually Morrison just change 10% off your shopping into a £30 voucher! You have to spend £40 for shopping every week for five weeks to collect the receipts, and spend another £40 to redeem the £25 voucher, so totally you spend £240 to get 10% that's £24.


Claim your £25 Christmas Voucher and £5 for the New Year in 4 easy steps:

Shop in any store between 8th November and 19th December 2010 and spend £40 or more in one transaction each week for five weeks.

Keep your five receipts (only fully itemised receipts will be accepted, no credit or debit card receipts).

Make sure each receipt is collected from a different week. Multiple receipts from the same week will not be accepted.

Put the receipts in this Collector Card (otherwise they won't be accepted) and take them into your local Morrisons store between 16th and 31st December to claim your £25 Christmas and £5 New Year Vouchers.

* Your Christmas Voucher can be used between 16th and 31st December when you spend £40 or more.

Your New Year Voucher can be used between 2nd and 30IN January 2011 when you spend £30 or more.
Merry Christmas from everyone at Morrisons.

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