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
Heraldry probably began with the knights in armour. When wearing a helmet in battle or in tournaments a knight could not be recognised; so he used symbols to decorate his shield and surcoat. The surcoat was the loose garment worn over the armour to protect it from rain or hot sun and actually was the "coat-of-arms"; it was decorated on the front and back with the same device as on the shield. The correct expression for entire design is an achievement . An achievement consists of the shield, helmet, rest, wreath, mantling and motto. These are the main parts. To them can be added supporters and a compartment. In the centre is the most important part, the shield . The surface of the shield is called the field and on it the colourful charges are placed. The shield is called the arms or coat-of-arms and can be drawn in any shape - in an upright position or slanting, which is the position it would fall into if hung on a peg. In Heraldry it slants to dexter. The helmet denot
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