Community organising

Housing guide

In the UK - the world's 4th richest country, 400,000 people are homeless. Meanwhile, over 700,000 properties lie empty1. If you want to take direct action to house yourself, read on...

  1. 1. Source: Shelter

Setting up housing co-operatives guide

Many housing co-ops are state funded; the Housing Corporation puts up much of the funding, and therefore can, on the whole, call the tune. However; it is possible to set up a housing co-op which is totally independent.

Essentially, a registered housing co-op is a legal entity which is separate from its members, and it allows those members to co-operate to raise loans, even if, individually, they have limited access to money or credit. With these loans they can purchase secure housing which they themselves control. The members of an independent housing co-op are tenants paying rent, (and so are eligible for housing benefit), but are also their own landlord.

The 'housing' for a co-op could be chosen to exactly suit the needs of the members. It could include extra resources - space, land, workshops, gardens, extra children's spaces. It could be a large or small shared house, flats, a small terrace, a residential mobile home park, a smallholding. It could be established just to provide housing, and an alternative to the low standards and constant insecurity of private rented accommodation. Or it could be set up with the intention of promoting wider aims, such as providing space for self-employment, supporting home education, giving a secure base for a group of people who are encouraged on a shared project, and it allows the members to tailor the property, once chosen, to exactly suit their special needs.

It may take some patience and determination to set up a housing co-op and see it through to fruition, but then the members can reap the reward of relative autonomy in an important area of life, and rents which can decrease over the years as loans are repaid, rather than constantly increase as all other rents do. Housing benefit acts as a conduit to channel public funds into the pockets of private landlords, and although it passes through the hands of tenants, it leaves them with no long-term improvement, and no control. A family on housing benefit could, over only five or six years, claim enough housing benefit to have BOUGHT a small house outright, but of course that benefit is actually accruing to the landlord, not the family in need. They can still be made homeless at four weeks notice, with all the knock-on problems that has for work, education and social networks, whilst the landlord has enlarged his asset base with public money and virtually no work.

1. Get a group of people who will commit themselves to working together to make their common idea become reality. Unless you come as a ready-made group, establishing that common idea is perhaps the hardest part. Contact existing co-ops, especially if there are any in your area. Gather information, ask for help from the co-op network. Send for the invaluable booklet 'How To Set Up A Housing Co-op' from Radical Routes, and contact the Catalyst Collective (both addresses at the end).

2. Register as an Industrial and Provident Society. This is done through the Registrar of Friendly Societies, and gives a group the legal structure that is required. The co-op needs to be defined as 'Not-for-profit' - members cannot make any financial gain out of it as individuals.
Limited Company - members do not carry personal liability for the debts of the co-op, (although of course they will lose their home if they don't pay the mortgage).

Fully Mutual - all tenants must be members and all members must be either present or prospective tenants.

Common Ownership - the property is owned by the housing co-op. The members may loan money to the co-op (and receive interest) but they do not own an individual share of the property if the property is sold, members cannot divide any 'profit' up amongst themselves -it must be used to buy another co-op property or passed to another not-for-profit organisation. Co-ops are about developing housing as a resource, not about treating it as a commodity with which to make money.

3. Work out how to raise the money. This is usually done by getting a 70% or 80% mortgage and raising the rest by issuing Loanstock (see below), and possibly getting a loan from some other group such as Radical Routes (see below). Many co-ops have got mortgages either from Triodos Bank or the Ecology Building Society: before presenting your idea to a bank or other funding source, ask around other independent co-ops to find out what the banks' loan criteria are, as they vary from one bank to another. Again, two major sources of advice and help are the Catalyst Collective and the Radical Routes network.

4. Find a property. Start looking at properties which will suit your aims and will be able to generate enough rent (at local Housing Benefit levels) to repay the mortgage and loans, and cover the running costs (maintenance etc.). Houses are more expensive in some parts of the country than others, but then Housing Benefit levels are generally higher in those areas. Even if most or all members are working, the bank will probably still want to see that the co-op could continue to meet the mortgage repayments if at a later date most tenants were having to claim housing benefit.

It is the co-op as a legal entity that gets the mortgage, not the individual members, so a sound cash-flow forecast is more important than whether all or any of the members are employed.

Loanstock
As a registered Industrial and Provident Society the co-op is allowed to raise money by issuing loanstock to both members and non-members. This is a way of borrowing money from sympathisers without relinquishing any control over the co-op to them. If members themselves lend to the co-op in this way, it ensures that the member who has £5000 to put in does not have any more stake or power in the co-op than the member who invested £50.

Radical Routes
Radical Routes is a mutual aid self-help network which has been responsible for much of the spade-work involved in establishing the route to independent tenant-controlled co-ops described here. Membership of Radical Routes is restricted to housing and worker co-ops actively working towards a shared social and political vision. The network has a solid knowledge of both the legalities and practicalities of setting up co-ops.

Radical Routes also operates an ethical investment scheme through which it can make loans to member co-ops, and it publishes various useful booklets, especially the vital 'How To Set Up A Housing Co-op'.

Catalyst Collective
Another source of help is the Catalyst Collective, who will give advice and also offer a registration service to see you through the process. They produce a pre-registration pack which includes a huge amount of useful information, from setting up a co-op to producing a cash-flow forecast and doing the accounts.

Housing co-ops - useful addresses
Radical Routes Email: inforadicalroutes.org.uk www.radicalroutes.org.uk
Catalyst Collective infocatalystcollective.co.uk also our postal address is: highbury farm, redbrook, monmouthshire, np25 4lx phone: 01600 775414 www.catalystcollective.co.uk
Registrar of Friendly Societies Victory House, 30-34 Kingsway, London WC2B 6ES, Tel .020 7437 9992
Triodos Bank Brunel House, 11 The Promenade, Bristol BS8 3NN
Ecology Building Society, 18 Station Road, Cross Hills, Keighley, W Yorkshire BD2O 7EH

This text was taken and edited from schnews.org.uk
Edited by libcom.org. Last reviewed 2006

Squatting guide

It helps avoid homelessness, since renting or buying a house can be prohibitively expensive for many people.

There is a fair chance that you may believe squatting in England and Wales to be illegal. This is most definitely not the case. Squatting is not a crime, and if anyone says it is, they are wrong! With a few exceptions, if you can get into an empty building without doing any damage and can secure it, you can make it your home.

The 1994 Criminal Justice & Public Order Act has made some changes to the laws about squatting but it is still as legal as it is necessary. Always remember that squatting is unlawful, not illegal which means that it is a civil dispute, dealt with by a civil court; and the police have nothing to do with civil disputes.

You will almost certainly be evicted eventually, perhaps very quickly, but you have the same rights as other householders; the right to privacy, rubbish collection, postal delivery, social security and essential services like water and electricity. Many squats last only a time but if you choose your place carefully, you may be able to stay for years (pictured above is St Agnes Place, a whole street in South London squatted for over 30 years). Choosing carefully usually means taking time to gather information. You could quite easily open the first empty building that you come across, but the chances are that you would not stay there forever. Opening a new squat is always a bit of a gamble but the more you know the better your odds. Read on!

Finding a place
All property is owned by someone and it is a good to find out who that someone is before breaking a new place. Some types of landlord are far easier to deal with than others, so here are a few tips on what to expect from various landlords:

Council Property: In the past the best places to squat have been local authority owned properties that are not going to be re-let. This is for a number of reasons. Councils have a lot of empty properties and often do not have the money to keep them in a lettable state. Often quite reasonable properties are left empty because of mismanagement, bureaucracy or low demand on hard to let estates (as people do not want to move to them). If there are a lot of squatters the council will take longer to evict people. Some councils or individual employees may be unofficially sympathetic to squatters and leave eviction until the properties are required. Also, councils do have some duties to house people and these duties can sometimes be used as legal defences in possession proceedings. Be warned, though, that recently more and more Councils have become more hard line in their attitudes towards squatters, and in fact any-one living in council property; and the incidences of false PIOs, illegal or heavy-handed evictions and trashing property have increased. Council properties will either be letting stock, (i.e. properties fit to be let), hard to let or awaiting renovation, demolition or sale.

Housing Associations/Trusts: These are government and or charitably funded housing organisations. They also have large numbers of empty properties and some are quite reasonable in their attitude to squatters. Others can be particularly stupid - and nasty. The different categories of Housing Association property are basically the same as Council property.

Other Large Organisations: Many government departments and newly privatised quangos own lots of empty properties. These include the MOD, the police and railway companies, as well as hospitals and schools.

Mortgage Repossessions: These are places owned by banks or building societies, and are an attractive option simply because there are huge numbers of them. As long as the previous owners have been evicted, the owners will have to take you to court.

Commercial Property: Private landlords and property companies are always the most unpredictable type of owner - they could send in the heavies or ignore you for years. They are the type of owner most likely to evict you if you leave the place empty. In the past few years many pubs have been closed and left empty for years, and have sometimes been successfully squatted.

Private Houses: Empty houses with 'For Sale' signs outside are not a good option. If an owner has recently moved out, it is quite likely that someone else is about to move in and so would be very inconvenienced. A new private owner is able to use the PIO provisions of Section 7, and is highly likely to do so. Best avoided.

Moving in
The most difficult part of squatting is actually gaining possession. Squatters are sometimes arrested for Criminal Damage, which, taken in it's strictest possible form, is an offence which almost all squatters commit. Removing steel doors, boards, damaging the front door, even taking out broken parts of a house can be considered Criminal Damage. But don't get paranoid! Only a very small minority of squatters ever get nicked - and with good legal advice they often get off. The greatest time of risk is when you have just moved in - the police are bound to come nosing around and may accuse you of having smashed windows, etc. If any damage has been done, make sure it's repaired immediately.

Opening a squat by yourself can be risky - it's safer and more fun to do it with others. Most forcible evictions happen in the first few days, so make sure there's a group of you who open up the squat and are ready to move in at once. If the police want to charge you with criminal damage, they'll have to sort out who actually did it. Provided no one is caught red-handed or makes any stupid statements, they will obviously have a difficult time deciding who to charge. The first thing to do once you're in is to change the lock on the front door and secure all the entrances. Until you have control over who comes in and out, you do not have possession and can be evicted straight away if the owner or police turn up. Remember secure all windows and skylights. Putting up a legal warning (see below) in a front window may be helpful, as it may deter the police or owner from breaking in, but you must have someone in the place all the time to back it up. A legal warning will not stop you being evicted on it's own. Put up curtains and try to make the place look lived in. Get down to the gas and electric board quickly - before the owners do. If the services are on, take a note of the meter readings. If you use gas or electricity without paying, you can be charged with theft. If you have neighbours, and enlist their support. Explain why you are homeless - you may get a surprisingly sympathetic response.

Dealing with the police
It's best to expect a visit from the local police soon after you've moved in, as they are bound to turn up sooner or later. Remember, they have no right of entry without a warrant, so don’t let them in if you can avoid it. Let them know the situation. Say something like:-

"We have moved in here because we have nowhere else. We did not break anything when entered and we have not damaged anything since. It isn't a criminal matter; it's a civil matter between us and the owners, and they must take us to court for a possession order if they want us to leave".

Some police act as if they can evict or arrest any squatter they see. This is not true. Try to talk to them through the letter box. Make sure you know the legal situation better than they do (not usually very difficult) and show them a copy of the Legal Warning. If they simply say "get out, don't be clever", etc you can point out that they may be committing an offence under section 6 of the Criminal Law Act, because they will be violently entering premises where there is some opposing their entry.

Eviction
Unless you are evicted under Section 6 or 7 of the 1977 Criminal Law Act or the owners have evicted you while you were out, the owner must apply the courts for a possession order. Any other method will probably be illegal. Nearly all squats are evicted after a possession order has been made by a court. The notorious 1994 Criminal Justice & Public Order Act has not actually changed the position very much. Apart from a few minor changes to the law about PlOs, it has produced an extra type of possession order called an INTERIM POSSESSION ORDER (IPO). This can be nasty, but has turned out to be not nearly so bad as everyone thought when it was going through parliament. It cannot be used on the majority of squatters, and so far there have very few IP0s. Most IP0s which squatters defended have flopped and the owners have been forced to use the old procedures instead. The important thing about IP0s is that you get very short notice. You need to take action THE SAME DAY as you get served with the papers. Get legal advice straight away.

The first warning
The first warning you get may be someone calling your squat saying they are the owner or are acting for the owner. Ask to see their identification and note the name, address and phone number. They will probably say something like, "'You are trespassing and you must leave". They may also give you some bullshit about the new IPO procedure and say that the police could come and arrest you at any time. Make sure you know the facts about IPOs and don't get intimidated by this sort of talk. Make a note of everything you heard and said as soon as they leave. Sign and date it, as it may be useful evidence if you fight the court case. They will probably ask for the names of all living in the squat, and there is no advantage in withholding this information. If you volunteer a lot of names - particularly in a big squat – and they forget to send summonses to all those people, you may have a defence in court. You don’t have to give your real name, but if you fight the case and require legal aid, you can’t get it in a false name!

Quite often the first warning will be a letter rather than a visit. It will say the same sort of things and probably that you must leave by a certain date or else the owner "will take proceedings". Don't panic about such a letter. It just means the owner has found out that you're there.

It's quite possible that the first warning you get will be the summons. A summons is the formal notice of the court hearing, and you have the right to get one. These are civil courts, not criminal ones, so you don't have to go if you don't want to. It's more of an invitation, but one you should think about accepting if you value your home and want to fight for it. Of course, some cases are not worth fighting if there is no defence. You may be better off looking for another place than putting energy into a court case that will go against you sooner or later. On the other hand, even technical defences can give you a little more time and sometimes quite a lot. IP0s should always be opposed if possible.

It is beyond the space limitations of this guide, to go into the details of fighting court cases, and it is recommended that you get hold of a copy of the Squatters Handbook which contains stacks of info on every aspect of squatting (details below).

Squat now while stocks last!
If you are homeless and have tried all the accepted ways of getting a home, don't be afraid to take matters into your own hands instead of letting the system grind you down. Everyone has the right to a home. If others can squat, so can you. Take control of your own life instead of being pushed around by bureaucrats and property owners who are more concerned with money and status than the quality of people's lives or their happiness.

This article has been made with extracts of The Squatters Handbook, which is published by Advisory Service for Squatters, 2 St Pauls Road, London N1 2QN Tel: 020 7359 8814 www.squatters.org.uk.
This text was taken and edited from schnews.org.uk by libcom.org. Last reviewed 2006.

Section 6 legal notice for squats

If you are squatting it is strongly advised you display this notice to inform people of your rights - and let them know that you are aware of your rights

LEGAL WARNING

Section 6 Criminal Law Act 1977
As amended by Criminal Justice and Public Order Act 1994
TAKE NOTICE

THAT we live in this property, it is our home and we intend to stay here.

THAT at all times there is at least one person in this property.

THAT any entry or attempt to enter into this property without our permission is a criminal offence as any one of us who is in physical possession is opposed to entry without our permission.

THAT if you attempt to enter by violence or by threatening violence we will prosecute you. You may receive a sentence of up to six months imprisonment and/or a fine of up to £5,000.

THAT if you want to get us out you will have to take out a summons for possession in the County Court or in the High Court, or produce to us a written statement or certificate in terms of S.12A Criminal Law Act, 1977 (as inserted by Criminal Justice and Public Order Act, 1994).

THAT it is an offence under S.12A (8) Criminal Law Act 1977 (as amended) to knowingly make a false statement to obtain a written statement for the purposes of S. 12A. A person guilty of such an offence may receive a sentence of up to six months imprisonment and/or a fine of up to £5,000.

Signed

The Occupiers

N.B. Signing this Legal warning is optional. It is equally valid whether or not it is signed.

Text taken from the UHC Collective website
Edited by libcom.org. Last reviewed 2006

Door knocking guide

In community politics, door knocking plays an essential role. From just getting to know your neighbours better, to carrying out a local survey or trying to sign people up to a local campaign or petition talking to people at home is a valuable exercise, due to its face-to-face nature,

However, it can be a daunting task, so we put together a set of tips to help you on your way, with pre-planning and then how to act on people’s doorsteps.

Before you go

  • Never go out on a rainy day, people are put off if you look like a drowned rat or are covered with a hood, hat or umbrella
  • Similarly, avoid going out if you are ill.
  • Dress smartly; not necessarily suited but ironed and clean. Don't look like a burglar or bailiff - people are less likely to answer the door to someone wandering up their drive with a big hood or black hat and scarf...
  • It's best to start organising with your closer neighbours, so you have a basic trust already
  • The best time to go knocking is during daylight hours. It is best not to go around dinner time. Yes people will be home, but they won’t be happy to talk. Similarly, don't go just after work, people need at least half an hour to relax before doing anything like talking to strangers.
  • It's always good to have a clip board in you hand - even if you don't really need it, take one with some leaflets on.
  • The resident’s first point of eye contact is either your face or the clipboard so always make sure that your group or campaign’s header is present and clearly visible on the board.
  • Depending what sort of thing you're doing it could be useful to have two sets of leaflets, one for people who are out or answer the door and tell you they've got no time and a separate one for people who are more interested.
  • If you have enough time it is worth calling back to houses that didn’t answer the first time. Just make sure that you keep an accurate record of which houses you spoke to people in or else you'll end up calling on the same person several times and they'll get pissed off.....
  • Bring a sheet to note down the contact details of particularly interested people.
  • Some people have put a card through the doors of the areas to be visited announcing the time they'll be along - if people don't want to talk they can just put the card in the window to indicate they're not interested. While time-consuming this can be worthwhile.
  • If you're leafleting for a 'controversial' issue (e.g. anti-fascist) then start at the top of a tower block, otherwise you may have to walk down past hostile people who might have been alerted by your leaflets.

    At the door

  • Say the most important thing first. Avoid apologising for bothering them in the first sentence – people prefer you get to the point of why you're calling.
  • The person opening the door won't want to hear too much complicated stuff in the first minute or so leave aside complicated explanations in favour of making a good first impression
  • If you seem confident and relaxed, so will they - if you're nervous and tense then they will also tend to react defensively.
  • Use inclusive gestures, open stance - never cross arms while you speak, or stand like you are about to leave for example.
  • Don’t be intimidating, and don’t approach people’s doors in groups.
  • Remember to smile; don't go if you're in a bad mood. People always pick up on it.
  • Look people in the eye, use a strong handshake – it makes you seem more trustworthy.
  • Always be honest about what you know and don't know - don't flannel to sound more informed.
  • Know your script, and answers to frequently asked questions, so you don't fumble your words when asked.
  • It sounds silly, but your knocking style is important. If you sound too official, people may not come to the door.
  • Behave from the moment you touch the gate - people often hear it and will check you through the curtains. Close the gate behind you, and don't walk on the grass. Close the gate behind you when you leave as well.

    Finally...
    You shouldn't be nervous about knocking on people’s doors. Most people are very nice even if they're not interested in what you have to say. It helps if you have a leaflet to give people because then you can refer to it, point out the date and venue of a meeting etc. Also if what you're trying to organise is local and for the good of the community then you have an immediate advantage over most people who are door-knocking for other reasons.

    Once you've knocked on a few doors and got some feedback it's plain sailing usually, although don't be disappointed if all the people who seemed enthusiastic don't actually turn up to a meeting or event.

    Last of all, enjoy it! It's a great buzz when you get into it, and a great way to get to know people in your community.

    libcom.org
    With tips from the users of libcom.org/forums and the Festival of Dissent, 2005

  • Key ideas for community organising

    Firstly, remember: If you are going to do community organising, do it in your own area! Don't be a missionary!

    Research and preparation
    Look around your local area and determine what issues it faces. Talk to your neighbours, what issues do they think are important regarding the area. Determine what kinds of projects you can develop or direct action you can take that meet the area's needs or address the community's issues.

    Find out if others are already working on the problems in their area and if they've been effective and what you can learn from them. Determine what kinds of resources you have available and who in your area might be useful allies in accomplishing your goals.

    Volunteering or starting your own group
    If there is a group doing work in your area and they are effective, it would be a good idea to volunteer with them to gain experience. If there is no group doing work on the issues you are concerned about or existing groups are not effective, start your own group but try to remain on friendly terms with existing groups.

    Planning
    Set a goal. Devise objectives (or strategies) to achieve the goal. Devise actions to achieve the objectives.

    Community-building projects
    Plan everything you do in your area with an effort to bring people in the community together and get them involved. Make a special effort to get people in the area who are not politically conscious to work on projects and become active.

    In short, gear your work towards not just helping the community but towards actually strengthening a sense of community.

    Fight prejudice as you organise
    Make a special effort to ensure that your organisation and its projects reflect the racial, ethnic and gender diversity in the community and make sexual equality and anti-racism explicit parts of your organisation's politics and policies.

    Get attention
    Be visible in your area, make every effort to let people nearby know you exist. Seek press attention when you do an action, gain a victory, or establish a project.

    Personal guides

    These ideas could also be used to organise around in community or workplace campaigns. Why not print them out, put them in a local newsletter or email them to friends?

    Beating the bailiffs guide

    Overloaded with debt? Bailiffs threatening you?
    Some useful advice from WAG...

    Firstly, get advice from your local Citizen’s Advice Bureau. They are busy, but very helpful.

    Bailiffs firms and the police break the law if they think that they can get away with it. Knowing your rights, and making sure that the Council and Bailiffs have followed legal procedures, should buy you some more time.

    Several key things to take note of:

  • Your possessions can’t be seized unless you’ve been sent a written notice by the Authority at least 14 days before any visit. This must have details of any fees they have added on.
  • The police have no power to force entry on behalf of the bailiffs or local authority, unless there is a breach of the peace.
  • Lock all windows and doors. Bailiffs have no powers to force entry by breaking open an outer door, which is locked or bolted.
  • If the bailiffs do get in, offer what you can afford to pay, not what they want you to pay. Ask them to drop the costs they have added.
  • Bailiffs can only take things that belong to you the debtor. If you have a receipt proving that an item belongs to someone else, they cannot take it.
  • Bailiffs cannot have you put in prison. If they never get in and you do not pay they will return your case to the court. The magistrate will then look at what you can afford to pay.

    If you’re still stuck and would like some help with taking on the bailiffs by whatever means are necessary, you could do better than get in touch with your local libertarian group (see our listings or ask in our forums for details) or ask your friends and neighbours to help you out. Walthamstow Anarchist Group also have more information about your rights against the bailiffs - see their website below.

    If you are struggling with debt, both the Consumer Credit Counselling Service (0800 138 1111) and National Debtline (0808 808 4000) offer free information and advice.

    Written by the Walthamstow Anarchist Group
    Edited by libcom, last reviewed 2006

  • Dealing with accusations of benefit fraud guide

    The Government spends hundreds of thousands of pounds talking about this but actually has little success prosecuting alleged fraudsters. It is important to remember that receiving benefits you are not entitled to does not automatically make you guilty.

    Overpayments of benefits can be caused through official error and claimant error and may not actually be classifiable as fraudulent.

    If you are accused of fraud by benefit agency staff don’t pay any attention to their attitude, much of which may be bluff, as in the case of bailiffs.

    Remember, you are allowed to agree or disagree with statements they ask you to sign and there should be no coercion on their part what-so-ever.

    If you are found guilty you should always appeal.

    Bear in mind that benefit underclaiming is much more widespread than fraud so never, ever, let them make you feel guilty and admit to anything.

    Written by the Walthamstow Anarchist Group

    Dealing with credit card debt guide

    Cut it up!
    You don’t need to work for the Financial Times to realise that credit card debt is getting well out of hand. Ten years ago hardly anyone had one. Now there are 91 million credit and debit cards in the UK. Two fifths of our shopping is now put on the plastic. The net result is a large portion of the population with massive credit card debt. Given the extortionate interest rates charged this is seriously bad news for us and the source of gleeful hand rubbing for the high street bankers (what’s that rhyming slang for I wonder?) who are pocketing it.

    We see it like this. Credit cards have been introduced not to make our lives easier, but to extract money from us. Credit card debt acts like a mini mortgage – got to keep our noses to the grindstone so as not to miss any payments. We lived without them for years, and can start doing so again. To help you on your way to liberating yourself from plastic purgatory we have our “Cut it up” campaign. The first step in taking part is as easy as you make it. Get your credit card and take a pair of scissors to it. This may seem hard at first, but believe me, the feeling of relief when its done is immense. Worried about the debt you’ve accrued? The most important thing is not to panic. There’s plenty of free advice you can get out there, and things really might not be as bad as you think. For starters, did you know the following?

  • Credit Card debt is classified as “non-priority” debt. You can’t be imprisoned for not paying non-priority debts and you are unlikely to lose your home or your essential goods.
  • It is an offence under The Administration of Justice Act 1970 (amongst others) for someone in debt to be harassed by their creditor such as a credit card company or an agent acting on their behalf.
  • Debts of under £5000 can only be heard at the small claims court. So even if you do get taken to court you can’t be stung with solicitors costs if you lose.
  • Debt collectors are not the same as bailiffs. Debt collectors cannot take any action against you, apart from asking you to pay any money owed.
  • Regardless of what they say, you don't have to let bailiffs in. They are not allowed to force their way into your home unless you have let them in on a previous visit, hence the importance of never, ever letting them in. Read more about how dealing with bailiffs

    We don’t claim to be legal experts. We certainly don’t claim to offer “impartial” advice either – we despise bailiffs, bankers and other creditors as much as anyone and support fair means or foul to get the better of them! Some decent, free, practical advice is available from The National debtline on 0808 808 4000. Their website is www.nationaldebtline.co.uk

    Alternatively, you could visit a local Citizens Advice Bureau.

    Written by the Walthamstow Anarchist Group

  • Dealing with street harassment guide

    Harassment is: Any number of acts or comments which make you feel physically or sexually unsafe or uncomfortable. They can be made by people you have known for years or by perfect strangers.

    Basic Advice
    If you are the victim of harassment, take the following steps:

    Be safe
    Safety is a priority. If you are in a situation in which you feel unsafe at all, remove yourself from it as quickly as possible. Do not put yourself in unnecessary danger for the sake of making a principled stand.

    However, if you do feel safe enough to respond to your harasser, do the following:

    1. Name the behaviour
    For example, "Don't slap my arse. That's harassment" or "Don't make suggestive remarks to me. That's harassment" or "Don't talk about my body. That's harassment" or "Don't stare at me. That's harassment". You can also simply say in a strong voice, "Don't sexually harass women" or "Stop! That's sexual harassment."

    2. Name the perpetrator
    "You, the man in the blue pinstriped suit, get your hand off my breast" or "You, the driver of the blue Polo, don't stare at my breasts"

    3. Use strong body language
    Look the harasser in the eye and speak in a strong, clear voice. Be confident in what you say and do.

    4. Do not apologise or ask a question
    For instance, don't say "Excuse me...", "Would you...", "Do you realise...", "I'm sorry, but...", "Please..." etc

    5. Do not get into a dialogue with the harasser
    Do not answer any of the harassers questions. Simply repeat your statement or leave.

    So, for example,

    What you should not do:
    You say, "Don't shout 'Nice tits' at me or any other woman. That's harassment".
    He says, "Jeez, can't you take a compliment?"
    Don't say, "Yes, I can take a compliment, but that's not a compliment. That's harassment."
    He will then counter with something like, "Well, you're crazy if you take it that way. I meant it as a compliment."

    This allows him to justify his behaviour to you, himself and anyone else standing around.

    What you should do:
    When he says, "Jeez, can't you take a compliment?" either leave the situation, having made your point, or repeat your statement. If he continues to try to engage you in a dialogue, either leave or keep repeating your statement.

    6. Do not swear or lose your temper
    For many harassers, the goal is to get a rise out of you, which is why they participate in this kind of behaviour. For them to see you getting angry or upset just encourages them to continue to harass both you and other people.

    In addition, if a passer-by hears you shout out, "You f***ing arsehole!" when they have seen or heard nothing the harasser has done, they will tend to think you are the harasser. This, again, benefits the harasser, who can put on a "Can you believe this woman?" look. If you remain calm, it will be clear that you are the person being harassed and the perpetrator is in the wrong. It will also take away the reward (upsetting you) for their action.

    Taken from Anti-Street Harassment UK, edited by libcom

    Gardening and food-growing guide

    We all know the advantages of organically produced food, but why should we have to spend a fortune on organic fruit and veg? It is often from miles away, over packed, expensive, a bit manky by the time we get it and in some areas only available from supermarkets.

    Another option for some people can be to grow it yourself. Producing your own food is a top buzz! It saves money (especially if you are growing more expensive or rarer varieties), keeps you fit, reduces food miles to food inches, tastes better, teaches you lots, and is a whole lot easier than people think.

    Professional gardeners and gardening books have done a lot to portray food growing as something which only an experienced producer with a hundred acres, and tons of machinery and biocides, should even consider taking on. Small time growers are often poo-pooed and people with no access to land often give up before they've started.

    But there is so much that can be produced with minimum space: mushrooms in the airing cupboard or on an old compost heap, endless summer salads from just six or seven square feet, pots of jam from just one mature currant bush, sprouted seeds from anywhere you can fit a jam jar and huge tomatoes in the cab of a parked up truck.

    Try not to get disheartened by lack of space. It is quite incredible the yields that can be obtained from the tiniest plot, or even urban balcony.

    There are many opportunities to get access to land. If you live in a town, you should be able to get an allotment. These are wonderful places to meet other gardeners, swap plants and pick up tips. These green oases are under constant threat from developers, so having an allotment is one of the best ways of protecting their survival.

    Another option is to use other people's land. Ask to use a neighbours abandoned garden, advertise for one, or even squat!

    WWOOF (Willing Workers On Organic Farms) is an excellent scheme that places people who want to garden or farm organically, both nationally and internationally, on fix-it-yourself placements. Placements can last from two days to years, usually for bed and board. A brilliant way to travel and grow.

    There are several books. 'The Permaculture Plot - a guide to Permaculture in Britain', and 'The Organic Directory - your guide to buying natural foods" which lists organic farms and small holdings that take working visitors. Similarly ‘Diggers and Dreamers - a guide to Communal Living’ lists intentional communities of varying type, who may take visitors. Although these options are nowhere near as the same as having your own garden they can offer experience. contacts and a chance to get started

    So even if you haven't got a garden. Go on get growing! Grow some of your own healthy chemical-free food, even collect your own seed. Try it, it’s not hard!

    WWOOF tel: 01273 476 286
    National Society of Allotment Growers tel. 0153666576
    Permaculture Association tel: 01654 712 188
    Henry Doubleday Research Association tel 01203 303 517
    Soil Association tel: 0117 929 0661
    The Permaculture Plot - a guide to Permaculture in Britain ISBN 1 85623 0104
    Diggers and Dreamers - a guide to Communal Living ISBN 0 951494546
    Organic Directory - your guide to natural foods ISBN 1 900322 03

    Taken and edited by libcom from Schnews