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Ordering searches against New Build properties is notoriously trickier (and more time-consuming) than working with second-hand homes – from having to work without a postcode point of reference, to managing endless queries from data suppliers. 

Outsourcing helps firms boost their workload capacity and win more business

Yet, spurred on by the Government’s push, more and more New Build cases are making their way to property teams across the country; forcing firms to re-evaluate how they manage their workload – without draining their limited resources. For many, including Braddon Snow Solicitors, outsourcing has been the answer. 

By managing New Build properties on a firm’s behalf, tmgroup help property departments create new efficiencies and better meet tight developer timeframes. All of which helps to boost their workload capacity, as well as their reputation, so they can win more New Build work in their area.

Managed Services take the hassle out of New Build search ordering

tmgroup are working at the forefront of delivering an efficient approach to managing New Build properties – with solutions including their ‘Managed Development’ service, which makes it easier for property teams to manage multiple plots on the same development site.

This service is tailored to firms named as the “appointed conveyancer” on a development, as tmgroup hold all relevant information about the development, enabling firms to issue a quick and simple instruction as and when the next plot is in progress. All the firm has to do then is wait for the results to come back and pass them onto their client; giving them more capacity to take on additional cases.

Jane Blackett, New Homes Conveyancing Team Leader at Braddon Snow Solicitors comments:

“We’ve been using tmgroup’s service for a number of years but found we needed a different approach for New Build given the number of plots we act on.  tmgroup worked with us on what we needed and now, for just over a year, we have worked with a bespoke system that we find much easier – especially when managing multiple plots on the same development. Once the site is set up confirming how many plots we expect to act on, all we have to do is fill in an order form and send across the plot plan. We then just ping an email over with the plot number as and when we want searches ordered against the individual plots. It’s just a much more effective use of our time.”

Firms using the ‘Managed Development’ service also benefit from agreeing search bundle costs in advance (making it easier to advise their clients), query and supplier management to minimise turnaround times, as well as Management Information (MI) reporting to make it easier for them to keep track of long-term development projects.

tmgroup work as an extension of the in-house team to get the job done quickly

Working as an extension of the in-house property department, the tmgroup team deliver against conveyancing search requirements from initial instruction through to returned results – using bespoke processes and systems to project manage. All the while giving firms the peace of mind of working with a knowledgeable team, with over 10 years’ experience in managing portfolios.

As Jane continues: 

“The Managed Services team are brilliant! Any queries, we just give them a call. If something has come up and we’re desperate to exchange, they’ll always make that extra call to chase the search – and 9 times out of 10 they’re successful too! They’re always on hand and we can’t fault the service.”

Outsourcing isn’t just for large-scale development projects – it can also help firms better manage one-off New Build transactions

Challenges around New Build don’t just slow down portfolio projects, they can also hinder the productivity of teams handling individual plots. That’s why tmgroup have extended their Managed Service to support these cases too. 

As and when the service is required, property teams can simply log into the tmconvey platform, add basic instructions to a dedicated form (accessible from a button on the tmconvey homepage) – and leave the tm team to take care of the rest. 

As with the ‘Managed Development’ service, the team will then create and map the property, order the required searches and liaise with data providers – all to support an efficient process right through to the returning of results.

Firms save time with fewer calls and interruptions across the working day

Fielding queries from data providers is one of the biggest headaches with managing New Build properties, but it often can’t be avoided as data providers require a certain level of information (that they don’t always get first time) in order to process the search. 

By letting the tmgroup team take care of any queries, firms benefit from fewer calls and interruptions across the working day. Why does it make such a difference? Drawing on years of experience, the team liaise with data providers and developers, as well as fill in any gaps in information – utilising their industry knowledge and relationships to help the transaction progress smoothly for all parties.

Want to find out more? 

tmgroup don’t operate on a one size fits all approach. We can develop processes within our service to help meet your needs and save you time. 

Talk to your Account Manager today, or get in touch with our friendly Helpdesk team on 0800 840 5571 or email helpdesk@tmgroup.co.uk 

tmgroup spoke to Paul Addison, Managing Director of DevAssist about Strategic Housing Land Availability Assessments (SHLAAs), and how understanding where there is development potential is just as critical as advising clients on current planning applications.

Nearly ⅓ of properties have a high risk of development in their proximity

I think the first thing you really need to know is that nearly ⅓ of the property purchases you are consulting on, have a high risk of development in their proximity. Furthermore, this risk is not always made clear, so if this risk is unknown to the client at the point of purchase, are you responsible? 

You could well be. In an economic climate where we are all increasingly risk averse, a risk of unforeseen development for your clients is a risk to you. Claims against Professional Indemnity are one of the most common contributory factors to solicitors going out of business. 

‘95% of homebuyers are concerned about unforeseen development in their neighbourhood.’ (Institute of Economic Affairs)

Purchasing a property, only to discover too late that there is a significant risk of development nearby, can and does result in clients taking legal action against their solicitors. Unfortunately, we’ve only seen the rate of these claims increasing. Clients are placing responsibility for interpreting planning data, with their conveyancer. The landmark case which really shifted the perspective across the whole industry was the Bird & Bird case in back in 2014. 

Law firm Bird & Bird had been instructed to purchase a high value property in North London. However, they had failed to disclose to the client that a planning report had contained information regarding a substantial development planned nearby. The client did not learn of this development until after the contract had been signed and deposit to the vendor paid. Upon discovery, they pulled out of the sale and took Bird & Bird to court to recoup costs invested so far. Ironically, the development was nearby but would not have adversely affected their property. In court, Bird & Bird took the stance that they were not under any duty to provide the report. Regrettably, having felt they had followed protocol correctly, the judge took the side of the client. Bird & Bird lost the case and were ordered to pay £1.8m in damages plus interest.

So how do you protect your firm and your reputation?

My advice to conveyancers is always the same. You need to be accessing all the data available to you and not relying on planning data reports alone. Strategic Housing Land Availability Assessments (SHLAAs) are a land viability exercise undertaken by local councils. This assessment of land availability identifies a future supply of land which is suitable, available and achievable for housing and economic development uses. This is an activity taking place in all of our local neighbourhoods with a real risk of impacting us all, but so little attention is paid to them. This is of course great news for developers, but worrying for homeowners. For those that aren’t yet in the know; 

The assessment will:

• identify sites and broad locations with potential for development;

• assess their development potential;

• assess their suitability for development and the likelihood of development coming forward (the availability and achievability).

How does this affect you and your clients? 

Sites that have undergone this assessment are significantly more likely to be approved for planning permission. However, here’s the real catch, SHLAA’s are not reported in standard searches or planning data. If your firm only commissions the basic searches, you will be missing vital information regarding potential development. 

In addition to this, the planning data you receive is usually provided as raw data. This makes the data complex to interpret and in my experience, doesn’t give you the full picture. 

Important development insight is contained in the planning data but often, any risks of development to the property you are interested in, are not easily identified. This is due to the geo-coding of the data, making the proximity of planned developments to the property of interest, unclear.  It is often the case that planning data will identify a development proposal in the neighbourhood, but mislead you about how near that development is to a subject property. On a planned development of 2,000 homes, the geo-coding could be set to any point on that large acreage – likely some distance from the property you’re looking at. When in reality, the development is going to extend as far as the bottom of your client’s garden. 

The only way to extract the real risk of, or proposed development and its proximity to a property, is to assess the planning data alongside the SHLAA research. 

How likely is it that your clients will be affected by unforeseen development? 

Very. Particularly in the ever-shifting and evolving urban environments. Our research indicates that purchasers and investors have a 20% chance of experiencing major or significant change in London. In Manchester, this rises to 42%. We can’t always avoid development or the risk of it, but we can be better informed. 

Rooms without a view

Just last month in Folkestone, we were commissioned to deliver a report on a subject property which enjoyed uninterrupted sea views. The apartment was to be a retirement home and the views were the primary attraction for the buyer. We identified two high risk development proposals, just metres from the property. One of these proposals had already received planning permission. The approved development was for a large modern apartment block that would obstruct the sea views entirely from the property - see image below. 

These developments were not picked up in the standard conveyancing searches that had already been undertaken.

It’s not just the sea views under threat of course. We recently delivered a report for clients in Warrington. The property was a country cottage that boasted enviable rural views and a quiet location.

Our report ascertained that there was a real risk of development in the immediate vicinity of the property. Our report identified that the area as a whole has been considered for Garden City Suburb development and that one site, bordering the subject property had already been promoted through the SHLAA process. This insight wouldn’t have been exposed in standard conveyancing searches and was critical to the client’s decision on whether to proceed with the purchase.

Be informed 

I feel passionately that you can only take responsibility for the information, if you have the full picture. If your searches do not contain SHLAA data, you are missing a vital piece of the puzzle. This omission of data has been a source of huge frustration for me over the years and hence the establishment of my own company in this field. 

Discovering unforeseen development is not a rarity either. You and your clients will be impacted by development, as we are a small island in dire need of more housing! However, we can be more informed about our changing neighbourhoods, and in turn make more informed decisions when it comes to buying properties.

For more information about DevAssist, visit www.devassist.co.uk or get in touch with your tmgroup Account Manager. 

tmgroup spoke to Rebecca Kibby, CEO – Conveyancing Services, and Yanthe Richardson, Senior Associate, at Foot Anstey LLP about the biggest roadblocks to meeting “that 28 day deadline” – and what could be done to address them, including:

• Addressing the AML problem

• Improving the lending process around New Build incentives

• Better managing communication between all parties (especially when there’s a developer involved as well)

• Improving collaboration across property professionals, so even complex chains help to meet that 28-day deadline

• Finding an easier and faster way to manage the Help to Buy process

Q. What is one of the biggest causes of delays and frustration with New Build transactions? 

AML! Property professionals connected across a New Build transaction are at the mercy of industry-wide processes that extend far beyond what one profession can influence or control – and AML checks are a classic example of this. 

Anti-Money Laundering (AML) checks are inescapable, due to the high risk around residential properties and the heavy regulation in place for managing that risk. Whilst no one would question the “why” of performing AML checks, the challenge is in the “how”. 

Currently, homemovers have to provide personal information to all of the different stakeholders – from their mortgage broker and Estate Agent, through to their developer and solicitor – so each can conduct an AML check. This is irritating and time-consuming for everyone involved. 

For conveyancers, the situation is exacerbated by the need to also obtain “proof of funds”, and subsequently investigate everything from their client’s income, to their financial story and wealth check, which explains how a client has come to acquire funds into their savings account. It’s complicated and intrusive, especially as clients don’t always provide the correct information up front; resulting in lots of back and forth and significantly eating into that 28-day timeframe. When clients are receiving a gift, very similar checks are then repeated for the donor of those funds compounding the delays further.  

Q. What’s the solution to “the AML problem”? 

If each homemover had to complete just a single AML check at the very start of the property transaction and this information was shared across all parties, the process could be dramatically improved.

Unfortunately, this is easier said than done, as each profession is governed by their own regulating body – and, as they all have varying requirements for AML, it would be challenging to switch to a “one size fits all” format that every profession could rely on.

Even if this were immediately possible, the technology isn’t yet in place to share this data securely – although Blockchain certainly has the potential as a viable solution, so watch this space! 

Q. What else complicates New Build transactions – compared to second-hand home transactions?

Incentives… It is quite common in the sale of New Build properties that an incentive is offered to help “seal the deal” – including white goods and help towards Stamp Duty payments. Whilst fantastic for the buyer, this prompts further work for the conveyancer in complying with the lender's requirements – adding another roadblock to the progression of the sale.

Why? If an incentive is offered as part of the reservation, lenders need to know about it to ensure that it doesn’t impact value. This is because, historically, lenders have suffered losses in the event of a house being repossessed, due to not knowing about the incentives in place, which may have artificially inflated the overall assumed property value. Therefore, it has become part of a conveyancer’s due diligence to report on such matters and for developers to provide a CML Disclosure of Incentives Form (now UK Finance). 

This should be simple – but sadly, it isn’t. As each lender has different requirements for reporting on these matters, conveyancers have to double check Part 2 of The UK Finance Handbook (which is subject to regular changes) to progress every transaction – and can often wait on hold for up to an hour if they have a query for the lender over the phone.  

There is certainly room for improvement. The ideal solution would be for mortgage brokers to capture incentive information at the start of the process, and then for all lenders to amend their templates to accommodate this so that incentives were already listed on the mortgage offer. This would give everyone the information they needed in an accessible format upfront (without the conveyancer having to chase around for updates) – and the process would be much faster for everyone involved. 

In the meantime, lenders could take steps to better support conveyancers by adopting a more consistent approach to communicating any changes to their section of the Handbook, as well as improving their SLAs on call answering times.

Q. Do complex chains have a significant impact on meeting that 28-day deadline? 

Unfortunately, yes. Our own internal figures indicate that around a third of New Build property transactions are connected to a chain - putting that precious 28-day deadline into the hands of other conveyancers, who are often not able (or in some cases, not willing) to work their second-hand properties around developers’ tight timescales. 

This situation is compounded by the current lack of buoyancy in the property market, as developers simply don’t have the luxury of being able to qualify out buyers caught up in complex chains – even though they aren’t conducive to meeting that 28-day deadline. 

Q. Does the ‘Help to Buy’ scheme help or hinder New Build transactions?

Help to Buy Funding has undoubtedly had a material impact on the market and has been fantastic, particularly for First Time Buyers. However, the legal process is inconsistent and complicated in practice. The process for drawdown of the funding and subsequent repayment later can be primary causes of delay in conveyancing chains and more needs to be done to simplify and tighten turnaround times.  

As the scheme was introduced in 2013, many people are now reaching the end of the 5-year interest-free period and wanting to pay off the loan by refinancing or moving up the property ladder. In chain transactions and where one party has a Help to Buy loan to repay, the process of obtaining a valuation and basing calculations on the original purchase price, coupled with the delays in turnaround times from the loan administrators, mean that there is little conveyancers can do to influence the position. Now is the time to look at the process to make it a better experience for buyers. 

Q. The developer is often involved in progressing a New Build transaction. What difference does this extra party make?

In any given property transaction, there are many parties involved in progressing the sale to completion. However, for a New Build, there are even more, as the developer typically adds their own plot progressor into the mix. 

If things aren’t going particularly smoothly, it’s also fairly common for the developer to put forward even more representatives – potentially a Sales Manager or even Director to monitor progress and help speed up the process.  

Having so many points of contact creates communication challenges, as there are simply more people in the process who not only have an influence, but also need updating on progress. Of course, this isn’t a problem for any profession to tackle alone – it’s a challenge for the industry to get this right, by embracing collaboration and the latest technology has to offer. 

There is no easy way of updating all at once without clogging up inboxes, and it is disappointing that as an industry we still do not have a central platform for updating everyone connected in the chain simultaneously.  

Q. Are homemovers their own worst enemy when it comes to meeting that 28-day deadline?  

Although they may not be aware of it, homemovers do have the potential to influence the speed of their New Build property transaction. With such a tight turnaround, every day counts – from how long it takes them to complete a form or return ID, to how quickly they can return a phone call, it all has an impact on meeting (or missing) that 28-day deadline. However the legal process can be daunting and there is a lot to read, take in and digest. People need time to do that against the backdrop of a looming deadline and lots of professionals sending information all wearing different hats.  

New Build buyers have the benefit of being signposted towards a panel law firm to assist them in their purchase and who are familiar in detail with the site in advance. However, typically buyers don’t understand the value of working with a panel firm – which includes instructing a genuine specialist in New Build transactions and process, the influential relationships that could help move things along and the economies of scale that will save them money (as panel firms can offer a discount). 

It’s not just homemovers that can influence the timescales. The speed of the transaction depends on how good everyone in the chain is at “doing their bit”. From the plot progressor to the mortgage broker and of course the conveyancer, the more everyone pulls together, the smoother the transaction will be. 

Q. Any final thoughts? 

When you stop to think about the logistical considerations involved in buying a new home; the process itself, the multiple parties involved, the regulation and risk involved and the sheer speed at which it all has to happen, it sometimes feels like a miracle that properties exchange on time! Yet many still do, thanks to the hard work and determination of the professionals connected in the chain and because when the focus is there, it is in fact entirely possible in most cases. 

Sales progression and communication tool, mio, has joined Relocation Agent Network. Making their debut as one of the Network’s approved suppliers, mio is giving an exclusive offer of “an extra 3 months free” to all member branches that sign up to mio before 1st October 2019. 

mio is proven to help reduce fall-through rates and time to exchange 

Since being introduced to Cardiff in September 2017, mio has already helped reduce average fall through rates to 21% compared to the UK average of 33%, whilst speeding up transactions to exchange; averaging 85 days compared to 126 days (the national average throughout 2018) – thanks to features such as:

• A clear view of each chain, helping estate agents to identify potential issues and know what needs tackling first. 

• Data feeds from conveyancers, lenders and surveyors, helping to streamline sales progression.

• Centralised customer communications, so everyone in branch is empowered to support every homemover. 

• Integrations to help automate chain building, for less rekeying. 

• Key notes and contacts digitised and stored in one place, helping to maximise efficiency.

The consumer app provides a point of difference at market appraisals

The mio app (available on iOS and Android) also provides a point of difference at market appraisals and helps agents win more business – by offering increased transparency and customer updates with push notifications as well as secure chat messaging; providing them with much-needed reassurance and removing the uncertainty that causes so many property transactions to fall through.

Relocation Agent Network members benefit from a 9 months FREE introductory offer

mio is available to all estate agents on a 6 months FREE introductory offer. This increases to 9 months for Relocation Agent Network members signing up to mio before 1st October 2019 and taking advantage of the “an extra 3 months free” offer.

If you would like to find out more, contact Relocation Agent Network on RANMarketing@Cartus.com, or get in touch with the mio Helpdesk team.

About Relocation Agent Network

Relocation Agent Network is a national network of specially selected estate agents. All members are handpicked after thorough checks identify them as the best estate agent to represent Relocation Agent Network in their area. The Network provides coverage throughout England, Scotland and Wales. 

For more information visit www.relocation-agent-network.co.uk 

On 12th April, Groundsure made some enhancements to their reports to make it even quicker and easier to read and absorb the information you need to pass onto your clients – including a new front cover layout to clarify where ‘professional opinion’, ‘further guidance’ and ‘screening’ information is available.

If you have any questions or queries, please contact your Account Manager, or get in touch with our friendly Helpdesk team on 0800 840 5571 or email helpdesk@tmgroup.co.uk 

Email order summaries are now available on tmconvey.

Once enabled, you’ll receive email order summaries direct to your inbox, including; an image of the maps you have used to mark up a site, Search Alerts generated against a site, as well as Additional questions for all searches ordered.

If you have any questions or queries, please contact your Account Manager, or get in touch with our friendly Helpdesk team on 0800 840 5571 or email helpdesk@tmgroup.co.uk 

As we continue to evolve our tmconvey mapping services in line with our customers’ needs, we’re pleased to announce the addition of the HS2 ‘Phase 1’ proposed route (from London to the West Midlands) to our mapping data layers. 

Available from Friday 3rd May, the latest in our series of new data layers for tmconvey will allow you to see where the route will pass through the landscape. The line will be colour coded, so you’ll be able to see how the HS2 route will cut through the land too. For example, where the land needs to be ‘cut’, will be subject to ‘fill’, or run over a ‘viaduct’ to level the train tracks.  

Here’s a quick guide to the colour code:

You’ll also be able to click on the route on the map to see more information about that particular section – including the length and speed. 

How do I turn on this new data layer?

If you would like to turn on this new data layer, your TM administrator will need to update your company preference by following the below steps:

1. Go to ‘System settings’ on the tmconvey Services Dashboard

2. Select ‘System defaults’

3. Select ‘View’

4. Select ‘Mapping defaults’ 

5. If you scroll down, you will see a new section called ‘Map Data Layers’ – and various options to choose from including the new ‘HS2 route’.  

6. Once you have settled on your choice, click ‘Save’.

If you have any questions or queries, please contact your Account Manager, or get in touch with our friendly Helpdesk team on 0800 840 5571 or email helpdesk@tmgroup.co.uk 

From 3rd May, you’ll notice some changes when completing our SDLT submission forms – including Companies House look-up and 14-day alerting. 

You can find more information about these new features below:

Companies House look-up

We’ve made it quicker and easier for you to add company information as you complete your SDLT forms within our tmgroup platforms – with our new Companies House look-up.   

Through our integration with Companies House, you’ll be able to look-up the company’s registered address and pre-populate the Vendor/Purchased Address details in the following sections of the SDLT form: 

• Page 3 - Vendor Details – Type Company

• Page 4 – Purchaser Details – Type Company

Once populated, you’ll be able to amend the address if you wish.  

14-day alerting

To help support you in meeting the new SDLT payment and filing deadline of 14 days, which came into effect on 1st March 2019, we’ve added some useful alerts within our tmgroup platforms so you can clearly see the expected deadline for each form.

You’ll be able to see this alert in the following places:

• Page 1 of the SDLT form: Once you’ve entered the ‘Effective Date of Transaction’ on Page 1 of the SDLT form, we’ll automatically show you the latest date for payment and filing (based on the new deadline) – immediately below the ‘Effective Date of Transaction’.

• Page 6 (Summary Page): This same deadline will also appear on your Page 6 Summary Page, as a reminder of the new deadline for payment and filing. 

To support these changes, we’ve also added the following SDLT status updates to our Post-Completion services:

• Draft – Submission Due: This will appear when your ‘Effective Date of Transaction’ is less than 5 days from the submission deadline. A red dot will also be displayed against the case, as well as a ‘Needs attention’ message on the SDLT tile under ‘Services’. 

• Draft – Submission Date Passed: This will appear when your ‘Effective Date of Transaction’ submission deadline has passed. The same message will also appear on Page 6 of your submitted form.

If you have any questions, please contact our Helpdesk on 0800 840 5571 or email helpdesk@tmgroup.co.uk

On 8th May 2019, Future Climate Info (FCI) are making some changes to their commercial reports to help speed up transactions - particularly those with a Retail purpose.

‘FCI Standard Commercial’ and ‘FCI Premium Commercial’ are being withdrawn – and are being replaced with the following new reports: ‘FCI Retail’ and ‘FCI Commercial’.

You can find more information about these new reports below:

NEW FCI Retail report 

Price: £75 + VAT 

The FCI Retail Report is available for smaller retail properties - up to 0.25 hectares.

It includes remediation warranty and is also supported by £5 million professional indemnity cover.

It interrogates flood, environmental and ground stability datasets. 

• Flood

Analyses the impacts from key risks listed by The Law Society including Flooding from Rivers, The Sea, and Surface Water Flooding, Groundwater Flooding Susceptibility, Historic Flooding,  Flood Insurability, Flood Storage Areas, and nearby Surface  Water Features.

• Environmental

Analyses the impacts from key risks including Artificial Ground, Contaminated Land Insurability, Contaminated Land Register Entries  and Notices, Current Industrial Land Uses, Environmental Permits,  Petrol Stations, Landfill Sites Past and Present, Telecommunications  Transmitters, Potentially Contaminated Land from Past Industrial Land  Uses, Pollution Incidents, Air Quality, Potentially In-Filled Land, Pylons and Electricity  Lines, Radon Gas, Regulated Environmental Processes, and Surface  Dangers or Hazards.

• Ground Stability

Analyses the impacts from key risks including Subsidence, nearby  Ball Clay Mining Areas, Brine Compensation Areas, China Clay Mining  Areas,Coal Mining Areas, Geohazards such as Clay Shrinkage,  Landslips, Landslides and Sink Holes, Limestone Mining Areas, Past  Mining Hazards in Minerals other than coal, Modified Ground, Natural  Cavities, Potentially In-filled Land and Tin Mining Areas.

Click here to see a sample report

NEW FCI Commercial report

Price: From £100 + VAT

The FCI Commercial Report is aimed at other commercial and industrial units. Available in size brackets ranging from 0-15, 15-50 and 50-150 hectares. 

It is backed by £10 million professional indemnity cover and comes with expert support from FCI’s Risk Team.

It contains all of the information from the Retail report and also includes data on Energy & infrastructure such as wind farms, shale gas exploration, and HS2.

• Energy & Infrastructure

Analyses the impacts from key risks including Carbon Capture and Storage, Coal Bed Methane Extraction, Crossrail, Current and Future Hydropower Installations, Gas Recovery from Mines, HS2, Licensed Oil, Gas, and Shale Gas Exploration and Extraction, Major Energy, Environmental, and Transport Infrastructure, Power Stations, Solar Farms,Underground Coal Gasification and Wind Farms.

Click here to see a sample report

If you have any questions, please contact our Helpdesk on 0800 840 5571 or email helpdesk@tmgroup.co.uk

Following on from our blog post about the annual round of price increases from the Water Authorities, Coal Authorities and Local Authorities, we just wanted to remind you that Anglian Water are changing their prices on 1st May 2019.

These changes will be automatically implemented on the tmconvey platform, and will be reflected in any new orders as the changes take effect.

You can see the full details below:

If you have any questions, please contact our Helpdesk on 0800 840 5571 or email helpdesk@tmgroup.co.uk