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Showing posts from December, 2014

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

Scottish Folksong: Rowan Tree

Oh, rowan tree! Oh, rowan tree ! Thou'lt aye be dear tae me Entwined thou art wi' mony ties o’ hame and infancy Thy leaves were aye the first o' spring, thy flow'rs the summer pride There wasnae sic a bonny tree in a' the countryside Oh! rowan tree ! How fair wert thou in summer time, wi' a' thy clusters white How rich and gay thy autumn dress, wi’ berries red and bright We sat aneath thy spreading shade, the bairnies round thee ran They pu’d thy bonnie berries red and necklaces they strang Oh! rowan tree! On thy fair stem were mony names, which now nae mair I see But they’re engraven on my heart, forgot they ne’er can be My mother! Oh! I see her still, she smil'd our sports to see Wi’ little Jemnie on her lap, and Jamie at her knee! Oh! rowan treel Oh! 'Twas arose my father’s prayer, in holy evenings calm How sweet was then my mother’s voice, in the Martyr’s psalm Now a' are gane! We meet nae mair aneath the rowan tree But h