8 - REFERENCE CHAPTER

CONTENTS: INTRODUCTION, 1 - SO WHY BUY A PROPERTY?, 2 - IDENTIFY YOUR STATUS RANKING, 3 - CALCULATING YOUR BUYING POWER, 4 - UNDERSTANDING THE MORTGAGE GAME, 5 - INCREASING YOUR BUYING POWER BY INCREASING YOUR STATUS RANKING, 6 - INCREASING YOUR BUYING POWER WITHOUT INCREASING YOUR STATUS RANKING, 7 - GETTING VALUE FOR MONEY, 8 - REFERENCE CHAPTER

Unsecured Loan Providers
0% Credit Card Providers

Credit Reference Agencies

Auction Houses
Affordable Areas

Unsecured Loan Providers

There are, again, loads of unsecured loan providers. I’ve chosen all the sub 7% interest rate lenders thus offering the best value.

Lender:	Lombard Direct
Rate:	6.6%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 195.23
Total Repayable:	£11713.80
Max Term:	7.0 Years
Early Repayment Penalties:	2 mths
Additional Features:	On-line decision
Notes:
Internet applications only. Lombard Direct Personal Loan APRs shown are typical rates, exact cost will depend on personal circumstances and credit assessment. Must be aged between 22 and 65 years old. Online decision is available.

Lender:	AA
Rate:	6.6%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 195.23
Total Repayable:	£11713.80
Max Term:	7.0 Years
Early Repayment Penalties:	2 mths
Additional Features:	Immediate on-line decision
Notes:
Available to anyone aged between 18 and 65 with a regular income. Loans available from £1000 to £25000. Rates fixed for the term of the loan. Repayments by direct debit only. Cheque could be delivered within 24 hrs of successful application. Different rates may be offered depending on personal circumstances, credit assessment procedure and other related factors.

Lender:	Northern Rock plc
Rate:	6.7%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 195.67
Total Repayable:	£11740.20
Max Term:	5.0 Years
Early Repayment Penalties:	None
Additional Features:
Notes:
Applicants must be aged between 21 and 80. Loans are subject to credit checks, credit scoring, references, the loan application meeting Northern Rock's Personal Loans lending policy and that applicants are not unemployed. Rates fixed for term and are typical over a 3 year term. Typical rate up to 3 years is 9.9%. Rate is dependent on term and amount, please refer to lender.

Lender:	Marks & Spencer
Rate:	6.7%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 195.67
Total Repayable:	£11740.20
Max Term:	5.0 Years
Early Repayment Penalties:	2 mths
Additional Features:
Notes:
A different rate may be offered depending on personal circumstances, the credit assessment procedure and other related credit, which will be fixed for the term of the loan. A lower monthly cost is available than with a standard loan by deferring up to 60% of the amount borrowed. At the end of the term customers have the option to repay the deferred amount or continue with the same monthly repayments until the balance is cleared.

Lender:	Tesco Personal Finance
Rate:	6.9%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 196.56
Total Repayable:	£11793.60
Max Term:	5.0 Years
Early Repayment Penalties:	2 mths
Additional Features:	Includes 0.50% discount for online applications
Notes:
Rates shown include a 0.50% discount for internet applications only and are for a 'typical' customer. Exact rate will be quoted on application. Amounts for over £15,000 are available at a slightly lower APR and can be repaid over a maximum of 10 years but cannot be used for Debt Consolidation. Repayment by direct debit only.

Lender:	Direct Line
Rate:	6.9%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 196.56
Total Repayable:	£11793.60
Max Term:	5.0 Years
Early Repayment Penalties:	1 mth
Additional Features:	Telephone applications only
Notes:
Telephone applications only. Rates fixed for term. Rates shown are typical APRs. Available to anyone over 22 yrs old subject to status. Loan must be paid by direct debit.

Lender:	First Direct
Rate:	6.9%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 196.56
Total Repayable:	£11793.60
Max Term:	7.0 Years
Early Repayment Penalties:	1 mth
Additional Features:
Notes:
Applicants must have lender's cheque account. Rates fixed for term. Typical APR of 6.9% applies to preferential rate loans which are offered to the majority of First Direct customers. First Direct standard rate loans have a typical APR of 9.9%.

Lender:		Abbey National
Rate:		6.9%
Amount:		£10000
Term:		5 Years
Monthly Repayment:		£ 196.56
Total Repayable:		£11793.60
Max Term:		8.0 Years
Early Repayment Penalties:		2 mths
Additional Features:		Internet applications only
Notes:
Applications subject to status. Applicants must be over 18 years of age with a regular income and previous financial commitments without any problems. Rates shown apply to online applications only. Different rates apply for non-internet applications. No set up fees or deposit required. Optional payment protection.
Lender:	Sainsburys Bank
Rate:	6.9%
Amount:	£10000
Term:	5 Years
Monthly Repayment:	£ 196.56
Total Repayable:	£11793.60
Max Term:	5.0 Years
Early Repayment Penalties:	2 mths
Additional Features:	Internet applications only
Notes:
Applicants must be at least 18 and a UK resident (excluding the Channel Islands and the Isle of Man). Deferred start option available.

0% Credit Card Providers

Here are all the companies that will lend you money for free! Be sure to juggle these cards on time as they can sting you if you are not careful.

Card Provider:	Halifax plc
Card Name:	h2x
APR % for Purchase:	9.90%
APR % Cash Withdrawals:	18.50%
Cash Withdrawal Fee Percent:	2.00%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	£25000
Intro Rate:	0.00%
Introductory Rate Period:	5 mths
Maximum Interest Free Period:	59 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	Up to £100k
Purchase Protection:	Up to 100 days
Loyalty Bonus/Cash Back:	None
Notes:
Introductory rate applies to balance transfers for the first 5 months. Thereafter, the rate increases to 9.9% and applies to purchases and balance transfers. Account can be managed online with contact to the provider by email. Paper statements available on request, charged at £3 a time. Phone calls to h2x will be charged at premium rate. Access to the Halifax Shopping Extra site. Free additional card.

Card Provider:	Capital One
Card Name:	Platinum
APR % for Purchase:	10.90%
APR % Cash Withdrawals:	20.50%
Cash Withdrawal Fee Percent:	1.50%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	£10000
Intro Rate:	0.00%
Introductory Rate Period:	6 mths
Maximum Interest Free Period:	54 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	None
Purchase Protection:	None
Loyalty Bonus/Cash Back:	None
Notes:
Minimum age 21 years. 0% introductory rate applies to all new purchases for first 6 months. Balance transfers from other cards pay 4.9% APR fixed until the balance is cleared if transferred within six months of account opening. Optional Payment Protection Insurance. Discounts available on travel, hotels and eating.

Card Provider:	Barclaycard
Card Name:	Classic
APR % for Purchase:	11.90%
APR % Cash Withdrawals:	19.30%
Cash Withdrawal Fee Percent:	1.50%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	Until repaid
Maximum Interest Free Period:	56 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	up to £50k
Purchase Protection:	100 days up to £1,5k per item
Loyalty Bonus/Cash Back:	Rewards
Notes:
Visa or Mastercard. Introductory rate applies to balance transfers only and is fixed until the transfer balance is fully repaid. Typical standard APRs shown but these are subject to personal circumstances and therefore a higher rate may apply. Fee waived if £5000+ per annum spent. No fee on 2nd card. £50 cheque guarantee card. International rescue, legal help and home assistance services available. Customers who transfer a balance and continue to use their card for purchases (at lease £50 a month) will qualify for 0% on the transferred balance until it is paid off. If a customer does not use their card for a month then the transferred balance will be charged at a low rate of 6.90% for that month. If spending re-commences the following month, the rate will drop back to the 0% on the transferred balance. No more than 5 balance transfers can be made each calendar year. The maximum you can transfer each calendar month is £5000, subject to total available credit on your account.

Card Provider:	LloydsTSB
Card Name:	Advance
APR % for Purchase:	11.90%
APR % Cash Withdrawals:	14.20%
Cash Withdrawal Fee Percent:	1.50%
Cash Withdrawal Minumum Fee:	£ 1.50
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	6 months
Maximum Interest Free Period:	0 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	None
Purchase Protection:	None
Loyalty Bonus/Cash Back:	None
Notes:
Introductory rate applies to balance transfers and purchases until 01/01/2004. Internet fraud protection. No annual fee. Optional payment protection. Best price cover if buying something new worth up to £1,000 and seeing it cheaper later, card holders could claim back the difference. (Less the first £25 and excluding goods such as holidays, food, travel, clothing and motor accessories). Free extended warranty scheme.

Card Provider:	First Direct
Card Name:	Gold Visa
APR % for Purchase:	13.90%
APR % Cash Withdrawals:	16.00%
Cash Withdrawal Fee Percent:	1.75%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	6 mths
Maximum Interest Free Period:	56 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	up to £50k
Purchase Protection:	None
Loyalty Bonus/Cash Back:	None
Notes:
Introductory rate applies for 6 months for balance transfers over £500. Free personal liability insurance up to £1million. Card free if spending is in excess of £1200 a year. Transactions can be viewed via First Direct PC Banking with authorisation.

Card Provider:	Egg
Card Name:	Credit Card
APR % for Purchase:	13.90%
APR % Cash Withdrawals:	16.30%
Cash Withdrawal Fee Percent:	1.25%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	6 mths
Maximum Interest Free Period:	45 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	None
Purchase Protection:	In Transit - 30 days
Loyalty Bonus/Cash Back:	Cashback
Notes:
Visa card. APRs (variable) are 12.3% (0% fixed until 1st February 2004 for new purchases and balance transfers for new accounts opened between 1 July 2003 and 31 July 2003. 0.50% cashback on any transaction. Cashback is paid once a year and maximum amount will be £500. Payments must be made by direct debit or transfer from an egg saving account. Application and card management are online only (www.egg.com). Charges will be made if internet facilities are not used where appropriate.

Card Provider:	Virgin Money
Card Name:	Card Option A
APR % for Purchase:	13.90%
APR % Cash Withdrawals:	15.70%
Cash Withdrawal Fee Percent:	1.50%
Cash Withdrawal Minumum Fee:	£ 2.00
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	6 mths
Maximum Interest Free Period:	59 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	Up to £100k
Purchase Protection:	First 100 days up to £1k
Loyalty Bonus/Cash Back:	Access to members shop
Notes:
Mastercard. Minimum age is 18 years. No annual fee. Applications via post, telephone or online. Introductory rate applies for first 6 months. Customers are matched to an option which suits their requirements. Additional benefits include loyalty scheme, choice of card design, up to 3 free additional cards, 24 hour customer service and members shop service.

Card Provider:	Nationwide BS
Card Name:	Classic
APR % for Purchase:	13.90%
APR % Cash Withdrawals:	11.90%
Cash Withdrawal Fee Percent:	1.00%
Cash Withdrawal Minumum Fee:	£ 1.00
Minimum Salary Required to Apply:	N/A
Intro Rate:	0.00%
Introductory Rate Period:	6 mths
Maximum Interest Free Period:	56 days
Existing Card Debt Transfer Allowed:
Travel/Accident Insurance:	up to £50k
Purchase Protection:	100 days for certain items above £50
Loyalty Bonus/Cash Back:	none
Notes:
Available to those aged 18 or over and resident in the UK subject to status. Introductory rates apply to purchases and balance transfers for the first six months after issue.

Credit Reference Agencies

There are two credit reference agencies – Experian and Equifax. If you require a copy of your credit file send them:

£2 fee
Full name
Date of Birth
Residential addresses for the last 6 years

Their addresses are:

Experian Consumer Help Service

PO Box 8000

Nottingham NG1 5GX

Equifax Credit File Advice Centre

PO Box 3001

Glasgow G81 2DT

Auction Houses

Here is a list of all the auction houses that regularly hold auctions selling properties. You have to request a catalogue and register to attend. In most cases this is for free.

	Name	Address	Tel
1	Allsop & Co	100 Knightsbridge London SW1X 7LB	020 7494 3686
2	Andrews & Robertson	27 Camberwell Green London SE5 7AN	020 7703 2662
3	Athawes Son & Co	The Auctioneers Offices 203 High St London W3	020 8992 0056
4	Barnard Marcus	Commercial House 64-66 Glenthorne road London W6 0LR	0336 424572
5	Countrywide Property Auctions	144 New London Road Chelmsford Essex CM2 0AW	01245 344133
6	Drivers & Norris	407 Holloway road London N7 6HP	020 7607 5001
7	Edwin Evans	253 Lavender Hill London SW11 1JW	020 7228 5864
8	FPD Savills London	139 Sloane Street London SW1X 9AY	020 7824 9091
9	FPD Savills Nottingham	4 St Peters Gate Nottingham NG1 2JG	0115 934 8000
10	Halifax Property Services		01509 680701
11	Harman Healy	340 Grays Inn Road London WC1X 8BJ	020 7833 5885
12	Keith Pattinson		08000 649234
13	McHugh & Co	71 Parkway Regents Park London NW1 7PP	020 7485 0112
14	Nelson Bakewell	Westland House 17c Curzon Street London W1Y 8LT	020 7626 6501
15	Pugh & Company	11 Cross Street Preston PR1 3LT	01772 883399
16	Strettons	Central House 189-203 Hoe Street London E17 3AP	020 8520 8383
17	Ward & Partners	136 Ashford Road Bearsted Maidstone Kent ME14 4NH	01622 736736
18	William H Brown Spalding	18-19 Sheep Market Spalding Lincs PE11 1BG	01775 711711
19	Winkworth & Co	23 Brighton Road South Croydon CR2 6EA	020 8649 7255

Affordable Areas

All these areas are affordable because there are properties on the market now that are less than four times average salary for that area. Get hunting!

REGION		AREA
E N G L A N D S W	1	Avon, Bristol
	2	Axminster, Devon
	3	Bodmin, Plymouth
	4	Bovey Tracey, Devon
	5	Bridgewater, Taunton
	6	Callington, Cornwall
	7	Chard, Somerset
	8	Chelston, Torquay, Devon
	9	Clevedon, Bristol
	10	Dawlish, Devon
	11	Devonport, Plymouth
	12	Filton, Bristol
	13	Gillingham, Dorset
	14	Honicknowle, Plymouth
	15	Hooe, Plymouth
	16	Houndstone, Somerset
	17	Ilfracombe, Devon
	18	Ilminster, Somerset
	19	Keyham, Plymouth
	20	Laira, Plymouth
	21	Launceston, Cornwall
	22	Lipson, Plymouth
	23	Looe, Plymouth
	24	Paignton, Devon
	25	Plymouth City Centre, Plymouth
	26	St Beaudeaux, Plymouth
	27	Shepton Mallet, Somerset
	28	Stoke, Plymouth
	29	Stratton Creber, Newquay
	30	Tavistock, Devon
	31	Teignmouth, Devon
	32	Topsham, Devon
	33	Torquay
	34	Wellington, Somerset
	35	Westbury, Bath
	36	Weston Super Mare, Somerset
	37	Yeovil, Somerset
E N G L A N D S E	38	Ashford, Kent
	39	Broadstairs, Kent
	40	Canterbury, Kent
	41	Chatham, Kent
	42	Cliftonville, Kent
	43	Dartford, Kent
	44	Dover, Kent
	45	Eastbourne, Sussex
	46	Erith, Kent
	47	Faversham, Kent
	48	Folkstone, Kent
	49	Hastings, East Sussex
	50	Herne Bay, Kent
	51	Margate, Kent
	52	Ramsgate, Kent
	53	Rochester, Kent
	54	Sittingbourne, Kent
	55	Snodland, Kent
	56	Westgate-on-sea, Kent
E N G L A N D S O U T H	57	Bexhill-on-sea, Sussex
	58	Bognor Regis, Portsmouth
	59	Bournemouth, Dorset
	60	Fareham, Hampshire
	61	Rottingdean, Brighton
	62	Rowner, Gosport
	63	Ryde, Isle Of Wight
	64	St Leonards-on-sea, East Sussex
	65	St Marys, Southampton
	66	Sandown, Isle Of Wight
	67	Shirley, Southampton
	68	Sholing, Southampton
	69	Southbourne, Dorset
	70	Southsea, Hampshire
	71	Thornhill, Southampton
E S S E X H E R T S & M I D D L E S E X	72	Aveley, Essex
	73	Basildon, Essex
	74	Clacton-on-sea, Essex
	75	Colchester, Essex
	76	Dagenham, Essex
	77	East Tilbury, Essex
	78	Enfield, Essex
	79	Frinton-on-sea, Essex
	80	Grays, Essex
	81	Halstead, Essex
	82	Harlow, Essex
	83	Harold Hill, Essex
	84	Harwich, Essex
	85	Hornchurch, Essex
	86	Laindon, Essex
	87	Pitsea, Essex
	88	Purfleet, Essex
	89	Rainham, Essex
	90	Romford, Essex
	91	Sawbridgeworth, Herts
	92	Sheerness, Essex
	93	Shoeburyness, Essex
	94	South Ockendon, Essex
	95	Southend, Essex
	96	Stanford le Hope, Essex
	97	Tilbury, Essex
	98	Waltham Cross, Essex
	99	Westcliffe-on-sea, Essex
	100	Wickford, Essex
	101	Witham, Essex
L O N D O N	102	Beckton
	103	Bexley Heath
	104	Leyton
	105	Northolt
	106	Plaistow
	107	Streatham
	108	Thamesmead
	109	Walthamstow
	110	West Hendon
	111	Woolwich
E N G L A N D E A S T A N G L I A	112	Attleborough, Norfolk
	113	Boston, Lincs
	114	Brookenby, Lincs
	115	Bungay, Norfolk
	116	Chatteris, Cambs
	117	Cromer, Norfolk
	118	Downham Market, Norfolk
	119	Eye, Suffolk
	120	Grantham, Lincs
	121	Hadleigh, Suffolk
	122	Ipswich, Suffolk
	123	Kings Lynn, Norfolk
	124	Lincoln, Lincs
	125	Market Rasen, Lincs
	126	Mundesley, Norfolk
	127	Norwich, Norfolk
	128	Orton Goldhay, Peterborough
	129	Orton Malbourne, Peterborough
	130	St Neots, Cambs
	131	Skegness, Lincs
	132	Sudbury, Suffolk
	133	Welland, Peterborough
	134	Wickham Market, Woodbridge, Suffolk
	135	Wisbech, Cambs
E N G L A N D M I D L A N D S	136	Anstey Heights, Leicester
	137	Aspley, Notts
	138	Bedford, Bedfordshire
	139	Bestwood, Notts
	140	Bilborough, Notts
	141	Binley, Coventry
	142	Bobbersmill, Notts
	143	Braunstone, Leicester
	144	Broxtowe, Notts
	145	Bulwell, Notts
	146	Burton-on-Trent, Staffs
	147	Camphill, Coventry
	148	Clifton, Notts
	149	Corby, Northants
	150	Daventry, Warwickshire
	151	Dunstable, Bedfordshire
	152	Foleshill, Coventry
	153	Highbury Vale, Notts
	154	Hodge Hill, Birmingham
	155	Ilkeston, Notts
	156	Irthlingborough, Northants
	157	Kettering, Northants
	158	Kimberley, Notts
	159	Kirkby-in-Ashfield, Notts
	160	Leicester City Centre, Leicester
	161	Luton, Bedfordshire
	162	Mansfield, Notts
	163	Moulton, Northants
	164	Newark, Notts
	165	Newcastle-under-Lyme, Staffs
	166	Newstead Village, Hucknall, Notts
	167	Northampton, Northants
	168	Oldbury, West Midlands
	169	Rednal, Birmingham
	170	Rugby, Warwickshire
	171	Rushden, Northants
	172	Shrewsbury
	173	Stoke-on-Trent, Staffs
	174	Strelley, Notts
	175	Sutton-in-Ashfield, Notts
	176	The Meadows, Notts
	177	Thorneywood, Notts
	178	Thorpelands, Northants
	179	Top Valley, Notts
	180	Walsall, West Midlands
	181	Warren Hill, Notts
	182	Wellingborough, Northants
	183	Willenhall, Coventry
	184	Wolverhampton, West Midlands
E N G L A N D W E S T	185	Caldicot, Gloucs
	186	Churchdown, Gloucs
	187	Cinderford, Gloucs
	188	Coleford, Gloucs
	189	Hardwicke, Gloucs
	190	Hereford, Herefordshire
	191	Kidderminster, Worcs
	192	Newtown Farm, Herefordshire
	193	Redditch, Worcs
	194	Tewkesbury, Gloucs
	195	Worcester, Worcs
E N G L A N D M I D N O R T H	196	Balby, Doncaster
	197	Beeston, Leeds
	198	Castleford
	199	Crossgates, Leeds
	200	Dewsbury
	201	Garforth
	202	Goole
	203	Grimsby, Yorkshire
	204	Huddersfield, Yorkshire
	205	Hull
	206	Marsden, Yorkshire
	207	Pocklington,Yorkshire
	208	Rochdale, Lancs
	209	Rotherham
	210	Roundhay
	211	Scarborough, Yorkshire
	212	Scunthorpe
	213	Skipton, Bradford
	214	Wakefield, Yorkshire
E N G L A N D M I D N O R T H	215	Accrington
	216	Allerton, Liverpool
	217	Bacup, Manchester
	218	Barnsley, Lancs
	219	Birkenhead, Lancs
	220	Blackburn
	221	Blackpool
	222	Bolton
	223	Bootle, Liverpool
	224	Bradford
	225	Broughton, Cheshire
	226	Bury, Lancs
	227	Chester, Cheshire
	228	Clayton, Manchester
	229	Colne, Lancs
	230	Crewe, Cheshire
	231	Darwen, Lancs
	232	Denton, Manchester
	233	Derby
	234	Dudley
	235	Eccles, Manchester
	236	Eddington, Doncaster
	237	Farnworth, Lancs
	238	Gainsborough, Manchester
	239	Golborne, Cheshire
	240	Halifax
	241	Holywell, Flintshire
	242	Huyton, Prescot
	243	Hyde Park, Manchester
	244	Keighley
	245	Kirkby, Maghull
	246	Leigh, Lancs
	247	Liverpool L4
	248	Liverpool L6
	249	Liverpool L7
	250	Liverpool L8
	251	Liverpool L9
	252	Liverpool L13
	253	Liverpool L14
	254	Liverpool L20
	255	Longsight, Manchester
	256	Mexborough
	257	Morecombe, Lancs
	258	Moss Side, Manchester
	259	Northwich, Cheshire
	260	Openshaw, Manchester
	261	Peasley Cross, Merseyside
	262	Preston
	263	Rishton, Lancs
	264	Rock Ferry, Bebington
	265	Rotherham
	266	Runcorn, Cheshire
	267	Rusholme, Manchester
	268	St Helens, Merseyside
	269	Salford, Manchester
	270	Sheffield City Centre
	271	Swinton, Manchester
	272	Wallasey
	273	Walton Vale, Lancs
	274	Warrington, Lancs
	275	Waterloo, Lancs
	276	West Derby
	277	Wigan
	278	Winsford, Cheshire
279	Withlington, Manchester
280	Wombwell
281	Worksop, Manchester
282	Worsley, Manchester
E N G L A N D N O R T H E A S T	283	Arthurs Hill, Newcastle
	284	Benwell, Newcastle
	285	Bishop Auckland, Darlington
	286	Blakelaw, West Denton
	287	Blyth, Newcastle
	288	Carlisle, Northumberland
	289	Chilton, Darlington
	290	Colliery, Durham
	291	Consett
	292	Elswick, Tyne & Wear
	293	Ferryhill, Spennymoor
	294	Gateshead, Newcastle
	295	Hartlepool
	296	Hebburn
	297	Hendon, Sunderland
	298	Hexham, Northumberland
	299	Houghton-le-Spring
	300	Lemington, West Denton
	301	Middlesbrough, Cleveland
	302	Newcastle-upon-Tyne, Northumberland
	303	Newton Aycliffe, Darlington
	304	Prudhoe, Northumberland
	305	Redcar, Cleveland
	306	Ryton, Crawcrook
	307	Seaham
	308	South Shields, Newcastle
	309	Stockton-on-Tees, Cleveland
	310	Walkergate, Tyne & Wear
	311	Wallsend, Newcastle
	312	Washington, Tyne & Wear
W A L E S	313	Abercynon, Pontypridd
	314	Abertillery, Ebbw Vale
	315	Caerphilly
	316	Church Village, Pontypridd
	317	Edwardsville, Pontypridd
	318	Ely, Rhiwbina
	319	Gilfach Goch, Pontypridd
	320	Greenfield Terrace, Ebbw Vale
	321	Neath, Glamorgan
	322	Port Talbot, Glamorgan
	323	Treharris, Pontypridd
S C O T L A N D	324	Airdrie, Lanarkshire
	325	Alexandria, Dumbarton
	326	Beith, Bridge of Weir
	327	Bellshill
	328	Bridgeton, Glasgow
	329	Broxburn, Livingston
	330	Carstairs Junction, Lanarkshire
	331	Chapelhall, Airdrie
	332	Cleland, Lanarkshire
	333	Craigshill, Livingston
	334	Cronberry, Ayr
	335	Dalry, Bridge of Weir
	336	Darvel, Kilmarnock
	337	Dennistown, Glasgow
	338	Dumbarton, Dumbartonshire
	339	East Kilbride, Glasgow
	340	Falkirk
	341	Glengarnock, Bridge of Weir
	342	Glenrothes
	343	Greenock, Refrewshire
	344	Govanhill, Glasgow
	345	Hamilton
	346	Ibrox, Glasgow
	347	Inverheithing, Dalgety Bay
	348	Kilbirnie, Bridge of Weir
	349	Kilsyth, Glasgow
	350	Kilwinning, Troon
	351	Kirkcaldy
	352	Kirkintolloch, Bishopbriggs
	353	Lochgelly, Dumfermline
	354	Maybole, Ayr
	355	New Cumnock, Ayr
	356	Newmilus, Kilmarnock, Ayrshire
	357	North Carbrain, Cumberland
	358	Paisley
	359	Port Glasgow, Refrewshire
	360	Priesthill, Glasgow
	361	Saracen Cross, Glasgow
	362	Springboig, Glasgow
	363	Stewarton, Kilmarnock
	364	Tollcross, Glasgow
	365	Whitburn, Livingston
	366	Wishaw, Lanarkshire
	367	Yoker, Glasgow

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