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Tel: 0800 035 2327
info@green-deal.uk.com

FAQs

These are our most frequently asked questions. If you can't find what you're looking for then contact us and we'll find the answer

Energy Efficiency & Reducing CO2 Emissions

Why do I need to improve the energy efficiency of my home?

Well apart from the significant cost savings on energy bills there are several reasons; it is recognised that our buildings through their energy use make up about 40% of our Carbon dioxide emissions. Carbon dioxide is the leading greenhouse gas responsible for climate change. By using less energy to run our buildings we can reduce these emissions. Through the Climate Change Act (2008), the UK Government has set statutory targets for 2050, to reduce our overall CO2 emissions by 80% from 1990 base levels.

 

The cost of heating our homes is rising and annual rises are predicted to be between 6% and 9% each year. By improving the energy efficiency of our homes, householders will protect themselves from the full effect of these price rises.

 

The UK imports the majority of fossil fuels (coal, oil, gas) used to generate electricity and energy. By improving the energy efficiency of our homes, we reduce our dependency on imported fossil fuels. This improves our long term energy security and also reduces our CO2 emissions.

What things can I do to improve the energy efficiency of my home?

Simple and relatively inexpensive measures include draught-proofing and loft insulation. Alternatively measures such as solid or cavity wall insulation are more expensive, but have a significant impact on heat retention and reducing energy bills. There are also a range of other measures which include; replacement heating systems and improved heating controls, hot water cylinder insulation and controls, as well as replacement doors and glazing.

 

Within the Green Deal there are 48 approved types of improvements that can be installed, see the full list here. Each of the measures will help contribute to making a home warmer and more energy efficient. The most energy efficient homes are usually those that have a combination of various measures

How long will it take me to recoup the cost of any measures that I have installed?

The time taken to recover the cost of the energy efficiency improvements will depend on the type of measure installed. Simple and less expensive measures such as loft insulation and draught-proofing will be recouped faster than the more expensive and extensive measures such as solid or cavity wall insulation.

 

However, if you have a Green Deal Plan there is a Golden Rule, which means that the annual cost of the installed improvements payment, must not exceed the amount you will save on your energy bill. This means that your outgoings will either remain the same or decrease.

Will I save money on my energy bills if I install energy efficiency measures in my home?

Yes you will. As long as you use energy in the same way as before, the improvements were installed. Energy saving measures should mean that your home retains more heat and therefore, it should be possible to either turn the temperature down and/or reduce the amount of time that your heating is on.

 

The amount of energy you save will depend on which improvements have been installed. A combination of measures will be more effective than just one or two.

Will I be able to reduce the amount of CO2 produced by my home by installing energy efficiency measures?

Yes and the amount you save will depend on which measures you have installed, some measures will save more CO2 than others. The less energy you use the less CO2 you will emit.

Why should I want to reduce the amount of CO2 produced from my home?

Apart from reducing the amount you spend on energy, you will be contributing to the UK commitment to CO2 reduction targets. Carbon dioxide is a greenhouse gas - it traps the sun's heat and keeps the earth warm. Too much CO2 in the air leads to climate change, also known as global warming. For individuals there are a number of ways that you can reduce your carbon footprint. One of the major ways in which this can be achieved is through improving the energy efficiency of our homes. This will reduce our reliance on fossil fuels which are required to generate the energy, in addition to reducing our CO2 emissions overall.

Where can I find more information about energy efficiency?

Look at our website www.climateenergy.org.uk, phone our helpline on 0800 3777 299 alternatively the government has set up an impartial energy saving advice service operated by the Energy Saving Trust on 0300 123 1234 or see www.energysavingtrust.org.uk

Where can I find more information about reducing my CO2 emissions?

The government has set up an impartial energy saving advice service operated by the Energy Saving Trust. You can visit their website: www.energysavingtrust.org.uk or call them on 0300 123 1234.

Green Deal

What is the Green Deal?

The Green Deal is a Government backed initiative. Previous evidence showed that the upfront costs of installing energy efficiency measures are a barrier for many residents. The purpose of the Green Deal is to remove the need for finding the upfront costs and gives the resident the opportunity to enjoy the benefits of a warmer home and reduced energy bills whilst paying for the measures over a period of time. The payback time will vary depending on the installed improvements and the preferences of the resident. Under the Green Deal, the cost of installing any measures is never more than the amount of energy saved on the resident energy bill per year. This is called the “Golden Rule”.

 

The Green Deal repayments are added to the resident’s electricity bill and will be Cleary shown as “Green Deal”. The reason for adding the repayment to the electricity bill rather than other energy bills e.g. gas is that every property in the country is attached to mains electricity.

 

If the householder leaves the property, the Green Deal repayments will remain with the property, instead of the previous householder. Thus the repayments shall continue via the electricity bill of the new householder. The new residents will then take up the repayments when they move in. It is important to remember that they will also continue to benefit from the energy saving measures that have been installed and that energy efficient houses will be more desirable that similar properties that cost more to run. This will become increasingly important as energy costs continue to rise.

 

All aspects of the Green Deal are highly regulated and monitored. This starts with an initial home energy assessment by an accredited assessor. They will produce an energy performance certificate (EPC) for the property along with an occupancy assessment. In addition they will look at how you currently use energy in your home. A Green Deal Assessment report is produced recommending what measures could be undertaken to improve the energy efficiency of your property. The cost of the improvements recommended, (which must meet the Golden Rule i.e. the annual repayment cost cannot be more than the potential savings), and full details of any grants that may be available and a full explanation of the finance options, including repayment terms and interest rates.

 

The resident or bill payer for the property can take this report to a Green Deal Provider, who will provide a quotation for the improvements, which will form the basis of a Green Deal Plan. It is the resident and/or bill payer who decides which measures they wish to install; however, please remember that if you chose not to install all of the measures then the Golden Rule may not apply as the savings may not be enough to cover the costs. Once you have agreed your plan with The Green Deal Provider they will organise the installation of measures by an accredited Green Deal Installer. They will also arrange the finance to pay the contractor and organise the administration to set up your repayments with your electricity supplier.

Is the Green Deal run by the Government?

The Green Deal is run by the private sector but it was initiated by the Government and it is highly regulated by them. The Government have strict legislation in place, including rules on consumer protection. They have also set up a Regulator, the Green Deal Oversight and Registration Body (the ORB). The ORBs function is to ensure that all aspects of the Green Deal are managed correctly. This includes monitoring and approving assessors, providers, installers, in addition to the products can be used. The ORB vets participants both directly and through various Trade Associations and Industry Bodies, ensuring that they are competent to take part in the Green Deal.

What is the Green Deal Quality Mark?

This is the trademark that the Certified participants in the Green Deal are authorised to use.

Who is allowed to offer Green Deal?

Only Certified Green Deal Providers can offer a Green Deal. An up-to-date list of providers is available from the ORB at www.greendealorb.co.uk

What is a Green Deal provider?

A Green Deal Provider is a fully accredited supplier of some or all of the Green Deal Process. Climate Energy can provide all services under the Green Deal. We can provide accredited assessors to survey your home. They can organise the installation of measures by an accredited Green Deal Installer. A Green Deal Provider like Climate Energy will also arrange for the payment of the works to be completed. In addition, they will also organise the administration to set up repayments with your electricity supplier.

How does Green Deal Work?

The Green Deal is a Government backed initiative. The purpose of the Green Deal is to remove the upfront cost barrier of installing energy saving improvements. This allows the resident the opportunity to enjoy the benefits of a warmer home and reduced energy bills, whilst paying for the measures over a period of time. Under the Green Deal, any measures installed are selected to ensure that on an annual basis, the cost of installing them is never more than the amount of energy saved on the residents (or bill payers) energy bill. This is called the “Golden Rule”.

Is the Green Deal a Loan and who lends the money?

Your Green Deal Provider can arrange the finance for a Green Deal Loan. The loan may be delivered through the Green Deal Finance Company, who was set up by the Government, and who source the money from financial markets. The Green Deal finance may also come directly from banks and other financial institutions. However, you do not have to take out a Green Deal loan; you may choose to pay for the measures out right or source finance from another financial institution. Your Green Deal Assessor will discuss the most appropriate options with you.

What measures can be installed?

The list of qualifying energy efficiency improvements has been set down in legislation by the government. These can be relatively simple measures, such as draught proofing and loft insulation. Other improvements include cavity wall insulation, solid wall insulation, replacement heating systems and improved heating controls, hot water cylinder insulation and controls, replacement doors and glazing. In addition, under floor heating, glazing and the installation of renewables are all suitable improvements.

 

The full list of improvements can be seen here.

How much do the improvements cost?

Costs will vary significantly depending on the measure installed. This can range from a few pounds to several thousand pounds. These more expensive improvements are also likely to have the greatest impact on reducing energy costs. The most important point to stress is that no measure will be recommended that does not meet the golden rule. This means that the cost savings on the energy bill from installing the improvement must offset the cost of the installation over a period of time.

Are heating systems included?

Yes, all the main types of heating system including; gas, oil, electric and renewable energy systems (such as air source and ground source heat pumps as well as biomass boilers) are included.

How much money will I save?

This depends on the improvements that are installed and the way that you use energy in your home after the installation. If householders decide to increase the temperature and use more energy for whatever reason, then little savings will be made in the way of energy consumption. For more detailed information on savings, visit our Energy Savings Improvements pages. For further advice, you can check http://www.energysavingtrust.org.uk.

How do the repayments work?

Your repayments will depend on how you have decided to pay for the improvements. If you have taken out a Green Deal loan, then there will be a repayment amount added to your electricity bill each month. This will be clearly shown as ‘Green Deal Repayment’. The Green Deal loan is controlled by the Consumer Credit Act and subsequently you are covered by the supporting regulation. However you may have chosen to source your own finance, therefore you will have a separate contract with that provider. Alternatively you may have decided to pay for the measures outright, in which case there will be no finance agreement in place.

What method is used to calculate the savings?

The Green Deal Assessor uses a standardised calculation method that produces the energy performance certificate (EPC) for the property. This has been stipulated by the Government for all buildings that are put up for sale or rent. This method is within the Building Regulations and based on the Standard Assessment Procedure for producing energy ratings for buildings. For non-standard dwellings such as large properties or Park Homes an alternative assessment procedure can be used but it must be approved by the Regulator.

 

In simple terms the assessment is based on building physics and takes into account how heat is transmitted through the building fabric, i.e. walls, floor, roof, windows and other paths, plus the heating system used in the property. This is based on a standard occupancy for the type of building, however, the Assessor also has to perform an occupancy assessment and look at the actual energy that is used in the building by studying the energy bills.

What is the Golden Rule?

The Golden Rule is set out by the Government. It states that the annual repayment of the Green Deal loan on a property, must not exceed the savings that would achieved by having the improvements installed. Therefore, if the annual cost of repaying the Green Deal Loan is £200, the amount of savings as a result of the improved energy efficiency measures installed should equal or exceed £200*. It should also be noted that the benefits of reduced energy bills will remain, long after the loan has been repaid.


*At the time the Green Deal Plan was agreed. The actual level of your savings will depend on how much energy you use (e.g. to heat your home) and the future cost of energy. Your assessor will help you work out the level of savings you can likely expect.

How does the Green Deal work if the property is in a listed building or conservation area?

You need to advise your assessor of any regulations and restrictions that you are aware of. The report produced, will only recommend the measures which are suitable for the property concerned. However, should you proceed with the Green Deal; it is the residents/ bill payer’s responsibility to get the necessary consent and permission from the relevant body, such as the Planning Authority. Climate Energy as your Green Deal Provider will assist you with this process.

Are properties in rural locations eligible for a Green Deal?

All properties in all locations can be assessed for a Green Deal. The only restriction is that if a Green Deal Loan is provided, then the property has to be connected to mains electricity, in order for the Green Deal to be repaid through the electricity bill.

Will the report take into account how many people live in my home?

Yes it does. Your Green Deal Assessor will carry out an Energy Performance Assessment using the approved method. This is based on a standard occupancy of the property concerned, typically taking into account the number of bedrooms for example. The separate Occupancy Assessment that is also carried out by the Green Deal Assessor will take into account whether the dwelling is under or over occupied and the energy that is used by looking through the household’s historic energy bills. The reason for this is that the report produced must only recommend measures that will result in energy and cost savings, which will therefore meet the Golden Rule criteria.

How can I Trust I’m not being mis-sold a Green Deal?

All aspects of the Green Deal are highly regulated and there is a significant amount of consumer protection built into the Green Deal scheme. All the participants involved in the scheme are initially vetted by the Regulator, the Green Deal Oversight and Review Body (the ORB) or the relevant trade body that in turn is under their regulation. In the case of the Green Deal Provider the final authorisation to be a Provider is only given after approval by the Secretary of State.

 

The Green Deal Assessor must make it clear to you if they are working independently or if they are working on behalf of a Green Deal Provider. In all cases the Assessor must remain impartial and give you accurate advice. Once you have your Green Deal report you can take this to any Green Deal Provider to obtain another quotation for the works and a Green Deal Plan.

 

The ORB will continually monitor the quality and service provided by Assessors, Installers and Providers. All Green Deal Providers must have a comprehensive service and complaints procedure in place.


Can I switch my energy provider?

 

Yes, the rules around the ability for the householder or bill payer to change energy providers are not affected. Any energy provider has to take on the arrangements for the repayment of the Green Deal through the electricity bill.

 

It does not matter if there are separate companies responsible for the gas and electricity. The Green Deal is always repaid through the electricity bill, as nearly every household is connected to mains electricity whereas not every house is on mains gas.

Is the Green Deal available for commercial and public buildings?

Yes, the purpose of the Green Deal is to make all the buildings in the UK more energy efficient, regardless of whether they are a house, shop, office, hairdressers, school, factory or hospital. The process for obtaining a Green Deal is almost identical for all buildings, with the exception that a different assessment method is undertaken by a specialist. A certified non-domestic Green Deal Assessor will use an assessment tool specifically designed for the more complex commercial buildings. In addition, there are some improvement measures that are only available to commercial buildings.

Rented Properties,Social Housing & Landlords

Are flats included in the Green Deal?

Yes flats are included as long as they are connected to mains electricity.

Are rented properties included in the Green Deal?

Yes rented properties are included. The only difference is that the resident must get the consent of the landlord to take out a Green Deal Plan. In the next few years there will be a legal requirement that all rented properties meet a specific energy rating otherwise the property cannot be offered for rental.

Do Landlords have to grant permission for the installation of energy saving measures?

In the short term, no they don’t, however, its’ not in their interest to decline. It makes sense for the landlord to offer a property that is cheaper to run so that the property is more desirable. However, in the next few years there will be a legal requirement that all rented properties meet a specific energy rating otherwise the property cannot be offered for rental.

Do Landlords have to grant permission for a resident to take out a Green Deal?

In the short term, no they don’t; however, it’s not in their interest to decline. It makes sense for the landlord to offer a property that is cheaper to run so that the property is more desirable. However, in the next few years there will be a legal requirement that all rented properties meet a specific energy rating otherwise the property cannot be offered for rental.

Is social housing included in the Green Deal?

Yes, but the landlord of the property must give their consent for the works to proceed. This is particularly important as in most cases the landlord has to take on the on-going servicing and maintenance of any measures installed.

I’m a private landlord, why should I take out a Green Deal Plan?

Installing energy efficiency measures will make for happier, content and longer term tenants. It should also reduce on-going maintenance and improve the asset value of your property. The tenants will not notice any significant increases to their overall outlay in renting the property, as the cost of installing the measures that would have been included in the cost of rent, are offset by savings in their energy bills.

 

Landlords need to be aware that in the next few years there will be a legal requirement that all rented properties meet a specific energy rating; otherwise the property cannot be offered for rental.


Green Deal Assessments

What is a Green Deal Assessment?

The Green Deal Assessment is a survey of your home that evaluates how energy efficient your home is i.e. how much heat is being lost and also what measures could be installed to improve efficiency. An assessment of your property is undertaken by a certified GD Assessor. They will produce an energy performance certificate (EPC) for the property along with an occupancy assessment. The energy you use is taken into account and a report is produced recommending what measures could be undertaken to improve the energy efficiency of the property. The cost of the measures recommended must be offset by the energy bill savings that they produce, i.e. the Golden Rule must apply.

 

The Assessor will identify whether the improvements can be paid for, or subsidised through a source of funding from the Energy Company Obligation (ECO). There are a number of residents who may qualify for this funding, particularly low income household, various people on benefits, or people in hard to treat homes e.g. solid walled properties that require internal or external insulation or residents in high rise accommodation (3 floors or more).

Who carries out a Green Deal Assessment?

A Green Deal Assessor who has been deemed competent after completing the necessary training and being accredited by an organisation overseen by the Green Deal Regulator.

I’m an Assessor; can I register to do surveys on behalf of Climate Energy?

Yes, take a look at our website www.installerhub.co.uk and complete our application form

How long does it take to do a Green Deal Assessment?

This depends on the size and complexity of the property. On average this should take about an hour and a half. However, it could take longer if; it is a large property; the property has specific building or conservation regulations applicable to it, or if there is restricted access to any of the areas within the home. Your assessor should be able to give you an indication when they arrive. When booking an appointment, please remember that some aspects of the assessment are done outside and will need to be done in daylight or alternatively will need very well lit areas.

What happens after the Green Deal assessment has been done?

Once you have your Green Deal Assessment, you then need to decide if you wish to proceed with the recommendations. The assessment will include a detailed quote for all of the costs and information regarding grants you may be eligible to and details of the finance options available to you. You may choose to take this assessment and get additional quotes from other providers, or you may decide to proceed with the assessment as provided. In all cases the quote provided to you should be accurate and unbiased and based on your actual circumstances. For your added security, it is essential your assessor advises you if he or she is working independently or on behalf of a particular Green Deal Provider.

 

The householder or bill payer can take their Green Deal Assessment Report to any Green Deal Provider for the purposes of obtaining a quotation for the works and subsequently a Green Deal Plan.

What is the Green Deal Assessment Report (GDAR?)

This is the report you will receive based on the energy performance assessment of your property, which takes into account the occupancy levels in your home. It will recommend the energy efficiency improvements that could be installed in the property based on the Golden Rule. It will contain a quote for all of the suggested measures, details of any grants available and details of the finance options for you to consider.

When will I get my Green Deal Assessment Report (GDAR?)

This depends on the complexity of the property, in most cases it should be possible to provide the report at the time of the survey, but in some cases the report may take up to two weeks. Your assessor will be able to advice.

Can I get more than one quote for the improvements that are being recommended?

Yes, a Green Deal Advice Report is like any other quote for work. For quotations that are more than £10,000, it is recommended that you obtain up to three quotes from different Green Deal Providers. However, if you are happy with your initial quote, you can waive this right, but you will need to confirm your decision in writing.

Technical Surveys

What is a technical survey?

Each Green Deal Plan has to have a detailed technical specification drawn up by the Green Deal Provider so that the sequence of installing measures is done correctly. In order to do this and to ensure that the improvements are costed accurately, it is likely that the installer responsible for the works, or a representative from the Green Deal Provider, will visit your home and carry out a full survey before the works are installed.

How long does a technical survey take?

This depends on the complexity of the improvements you want installing and/or the building. For insulation it may simply mean recording accurate measurements of the areas where insulation is to be installed. For heating systems this may involve checking routes for pipework and where a boiler and hot water cylinder will be situated. These sorts of measures could take an hour or so. In the case of a much older property the survey may need to be carried out by a specialist and could take longer.

What if a problem is found during the survey?

Generally any problems that occur are things that could not have been anticipated or seen at the time of the survey. These could be things like pipe runs not being in the areas where originally thought, problems underground that could not be seen until a trial pit was dug, unsafe wiring or gas connections etc. Depending on the nature of the problem, this may affect the quotation you were given. This may mean that the quotation has to be revised. However, the cost of any additional works must still fulfil the Golden Rule in order for the Green Deal Plan to proceed.

What if my property is damp?

Depending on the cause of the dampness it may mean that you have to rectify the problem before the works can proceed on your Green Deal Plan to install your insulation improvements. For example penetrating damp caused by leaking or broken rainwater goods, which make a wall wet, would need to be repaired before any insulation could be installed in a cavity or on the surface of a wall. If you did have insulation of this type without fixing the problem it would be ineffectual.

However, it should be noted that in certain circumstances, installing specific Green Deal improvements will cure the dampness problem, e.g. condensation caused by insufficient insulation, ventilation or heating.

What if there is a problem with my gas supply?

Each job has to have a technical survey and problems with a gas supply would usually be identified then. Depending on the nature of the problem, remedial works may have to be carried out first before the Green Deal improvements can be installed or they may be able to be carried out at the same time. For example a gas leak, should be repaired immediately. Whereas gas pipes located in a different position to what was expected, may be overcome when the works proceed.

Are your surveyors knowledgeable about the requirements of my historic building?

Yes they are. We will use specialist Green Deal Assessors, surveyors or architects wherever necessary, particularly if a historic or heritage building is involved. They will be aware of the requirements of particular building types, e.g. where the structure is designed to be able to breathe to allow the transfer of heat through the fabric in order to combat any dampness. The use of internal or external insulation may affect that and store up dampness problems in the fabric of the building.

Energy Performance Certificates

What is an EPC (energy performance certificate?)

An EPC is a report detailing the energy efficiency of your home. It gives an assessment of energy performance taking into account the age of the property, construction, thermal efficiency (how well the house can retain heat) of the fabric, i.e. through the walls, roof and floor, along with the heating system used in the property. Once all of these details have been gathered, the property will be given a rating on a scale of 1-100. This scale is split into bandings on an A-G scale; A being good G being poor.

 

The EPC will form part of the Green Deal Advice Report pack. All homes bought, sold or rented already require an EPC.

What do the ratings on an EPC mean?

Basically an EPC shows you how energy efficient your home is. The rating of the property is on a scale of 1-100, and is split into bandings on an A-G scale; ‘A’ being good, i.e. the property is energy efficient and should be cheaper to run than a similar property with a lower rating. A ‘G’ rated property is the least energy efficient and will cost more to run.

What benefit is there in improving the EPC rating of a property?

The closer to an EPC rating of ‘A’ of the property, the better the energy performance. This will mean less energy is required to heat and power the building, therefore lower energy bills. Subsequently that also means less carbon dioxide emissions produced directly when burning fossil fuels at the property, as in a gas or oil boiler, or indirectly when burning fossil fuels at a power station to generate electricity for electric heating, lights and appliances.

Is the EPC a legal document?

Yes it is. An EPC must be provided to prospective purchasers or tenants of a property that is to be sold or rented, in order to help them make the decision about whether to buy or rent that property.

 

There is also a stipulation in the Energy Act 2011 requiring that no property (domestic or commercial) can be offered for rent after 2018 that has an Energy Rating of below E on an EPC. From 2016 tenants can ask the landlord to install reasonable energy efficiency measures in the building.

Who keeps the EPC document?

The householder or bill payer will be given a copy of the EPC; the Green Deal Provider must also keep a copy for ten years. The Green Deal Assessor has to lodge the Energy Performance Certificate and Report on a national database, administered by a Government approved organisation called Landmark in England and Wales, and the Energy Saving Trust in Scotland. If improvements are made under the Green Deal, the Green Deal Provider has to provide an updated EPC for that database. The database is not open to the public, only by knowing the individual reference number from the EPC can it be accessed by persons approved by the database administrators.

Will an updated EPC be issued after the energy saving measures has been installed?

Yes, if improvements are made under the Green Deal, the Green Deal Provider has to provide an updated EPC for the householder or bill payer.


Is the energy efficiency related to how many people live in the property (occupancy test?)

Yes, this is one of the assessments undertaken as part of the Green Deal Report. The actual energy use within the property is taken into account in the occupancy test.

Occupancy Test

What is an occupancy test?

 

A document that forms part of the pack given to residents after a Green Deal assessment, to summarise how the household uses energy and how that usage will affect the savings they could achieve by installing improvements. It also includes behavioural advice that can help reduce energy consumption e.g. turning radiators off in empty rooms.


Who carries out the occupancy test?

A fully certified Green Deal Assessor.

When is the occupancy test done?

At the time of the Green Deal Assessment when the Energy Performance Certificate is produced, and any time when the use of energy in the property is likely to change because of changes in the household circumstances; e.g. when the number of people living in the house changes.*

 

*As advised by the resident

What happens if the number of people living in a property changes?

Any significant changes should be brought to the attention of your Green Deal Provider, as the number of residents and the amount of time spent in the property could affect energy usage. This in turn would affect the calculations used to determine the Golden Rule; i.e. that the savings from the energy efficiency improvements installed, offset the Green Deal repayments. This is particularly important if the number of people in the household increases, as this could lead to an increase in energy usage and therefore a rise in energy costs.

What happens if the occupants change the way they use energy in the property?

Depending on how the energy usage changes, the calculations used to determine the Golden Rule could also change.

What happens if the measures you recommend do not make savings on my energy bill?

Any savings will mainly be made on your heating bills (e.g. gas, oil or electricity). Your Green Deal repayments will all be added to your electricity bill (because everyone has one of these), this may mean your electricity bill is higher than before improvements were installed. However, you should check your electricity bill carefully as your Green Deal repayments will be shown separately, this allows you to assess if your actual electricity usage has increased.

 

Repayment levels will be based on typical energy bills for a home like yours. The Green Deal is designed to try to save you at least as much money as you will have to repay. This is the Golden Rule – you will not be recommended any improvements that do not make you a saving in the longer term based on your current usage. However the actual level of your savings will depend on how much energy you use (e.g. to heat your home) and the future cost of energy. Therefore if you change the way you use energy in your home for example by increasing the room temperature or extending the times when the heating is in use, then your costs are likely to rise. However, if there is a problem with the products that were installed which is preventing the energy savings from being realised; these need to be taken up with the Green Deal Provider under the warranties that were issued. In the unlikely event that the issue cannot be resolved to the customer’s satisfaction, the matter can be referred to the Energy Ombudsman Service, or the Financial Ombudsman Service, dependent on the issue in dispute.

 

Please note: residents who are low energy users can still choose to have energy efficiency improvements installed, however, the savings may be lower than your repayments.

Consents & Permissions

Who needs to give permission to sign up to a Green Deal Plan?

This depends on whether you own or rent your property or if it is social housing. It will also depend on age and if it is in a conservation area or protected under regulation. Generally permission has to be granted by the owner of the property, the electricity bill payer and anyone else with an interest in the house if not the occupier, e.g. a landlord if a rented property.

Does the mortgage lender need to be advised of a request to take out a Green Deal Plan?

The consent of the mortgage lender is not required however it would be a good idea to inform them particularly if the works involve structural improvements.

Does a Landlord need to be advised of a request to take out a Green Deal Plan?

Yes they do. The landlord has to give consent for any works under the Green Deal and it is the householder or bill payer’s responsibility to gain that consent before the Green Deal plan is entered into.

Who needs to give consent if the building is listed?

Consent from the relevant Planning Authority, usually the District, Borough or Unitary Council to whom Council Tax is payable. If the property is in a national park or under the Broads Authority then consent must come from the authority responsible for those areas.

 

Advice on the measures can be obtained from the local council or their nominated historic buildings advisor.

Who needs to give consent if the buildings belong to a housing association?

The landlord to whom rent is paid.

Who needs to give consent if the buildings belong to a registered provider?

The landlord to whom rent is paid.

Who organises the planning permission and building regulations applications?

If they are necessary, that is the responsibility of the homeowner or bill payer, but we will provide as much help as possible with this process.

Do I have to pay for Planning Application and Building Regulation Approval?

Yes. Consents would have to be obtained before any work could take place. Once approved the energy saving measures can be installed. If consent is refused, the Green Deal Plan would have to be modified in line with recommendations and then rechecked against the Golden Rule.

 

Installations

Can any installer carry out Green Deal installations?

No, only Green Deal accredited installers certified for particular measures can install Green Deal approved measures. We only use approved Green Deal Accredited installers at Climate Energy. Ask to see your installers’ certification and always look for the Green Deal Quality mark that only certified installers can use.

Will Installers be local tradespeople?

Wherever possible Climate Energy will contract local trades persons to do the work, provided they are the best people to do so. However for certain specialised installations it may be necessary to utilise qualified tradesmen from adjoining areas.

Can I use my own builder/plumber/tradesperson?

Only fully accredited tradespeople can carry out Green Deal installations. So yes you could use your own builder if they are fully accredited. To install a Green Deal Plan on behalf of Climate Energy, your builder would need to apply for approval to work on our behalf. This is a simple process and we can provide them with plenty of help and advice. In addition, once they are approved, we will pass them more work as it becomes available. Get them to apply now at www.installerhub.co.uk

Can I have other things done to my house at the same time, e.g. a new kitchen?

Yes that is possible, but it would be outside of the Green Deal arrangement. You can discuss the arrangements with your Green Deal Installer, who will try and coordinate the installation in line with your other improvements.

How do I know your tradespeople aren’t cowboys?

All tradespeople that work on behalf of Climate Energy have to go through an approval process to ensure they meet the required criteria. We carry out an intensive vetting procedure. They have to pass our own stringent test on quality and performance, but more importantly to be able to carry out any work in connection with the Green Deal, they have to be individually certified by their respective trade. This independent certification is regulated by the Green Deal Oversight and Registration Body.

In addition we carry out regular work inspections of our tradespeople to ensure that they are competent to carry out the work.

I only want double glazing/new boiler/cavity wall insulation; can I get just that under the Green Deal?

It is possible, provided the single measure passes the Golden Rule; i.e. the savings from that improvement are sufficient to cover the cost of the repayments from that improvement over the agreed period of time. In some cases, it may be necessary to install relatively low cost/high energy saving measures as well; e.g. insulation, so that the overall savings cover the repayment costs, therefore making it eligible for the Green Deal.

I live in a listed building, who advises you on the materials and methods of construction that you can use?

In the case of any vulnerable building; i.e. a listed or historic property, we would commission a specialist surveyor or architect to carry out the relevant surveys. They in turn would liaise with the local Authority Historic Buildings or Conservation Officer for advice on any particular aspect of the works. We would only use tradespeople competent in regard to the installation of measures to heritage buildings.

Will I have to move out whilst the works are going on?

It depends on the complexity, disruptiveness and severity of the works to be installed. For the majority of works the occupiers don’t generally have to move out. Certain measures, such as installing floor insulation or under floor heating can be installed by working around the residents, but some rooms may be out of bounds when work is underway. However moving out temporarily should be considered for more extensive or intrusive works.

Climate Energy would discuss all of these options at an early stage in order to come up with the best solution.

Savings

Will I save money on my energy bills?

Any savings will mainly be made on your heating bills (e.g. gas, oil or electricity). Your Green Deal repayments will all be added to your electricity bill (because everyone has one of those), this may mean your electricity bill is higher than before measures were installed. However, you should check your electricity bill carefully as your Green Deal repayments will be shown separately, this allows you to assess if your actual electricity usage has increased.

 

The Green Deal is designed to try to save you at least as much money as you will have to repay. This is the Golden Rule – you will not be recommended any measures that do not make you a saving in the longer term based on your current energy usage. However the actual level of your savings will depend on how much energy you use (e.g. to heat your home) and the future cost of energy. Therefore if you change the way you use energy in your home for example by increasing the room temperature or extending the times when the heating is in use, then your costs are likely to rise.

 

Please note: residents who are low energy users can still choose to have energy efficiency measures installed, however, the savings may be lower than your repayments.

What are the energy saving measures?

Simple and relatively inexpensive improvements include draught-proofing and loft insulation. Alternatively improvements such as solid or cavity wall insulation are more expensive, but have a significant impact on heat retention and reducing energy bills. There are also a range of other measures which include; replacement heating systems and improved heating controls, hot water cylinder insulation and controls, as well as replacement doors and glazing.

 

Within the Green Deal there are 48 approved types of improvements that can be installed, see the full list here. Each of the measures will help contribute to making a home warmer and more energy efficient. The most energy efficient homes are usually those that have a combination of various measures installed.

 

The Government may change and/or add to the list of approved measures. The full list of measures can be seen at:

Thttp://www.decc.gov.uk/assets/decc/11/tackling-climate-change/green-deal/5504-which-energy-efficiency-improvements-qualify-for-g.pdf

How much can I save on each measure?

This varies depending on what you have done. The most energy efficient homes are usually those that have a combination of various measures installed. Have a look at our pages on the measures that can be installed, this will give you some idea of the likely savings. You can also go to www.energysavingtrust.org.uk for further details.

How much CO2 can be saved per measure?

This will vary depending on the improvement installed. Details will be given in your Green Deal advice report. For more up to date details check www.energysavingtrust.org.uk

Finance & Payments

How do I pay for the recommended energy saving measures?

Your repayments will depend on how you have decided to pay for the improvements. If you have taken out a Green Deal loan, then there will be a repayment amount added to your electricity bill each month. This will be clearly shown as ‘Green Deal Repayment’. The Green Deal loan is controlled by the Consumer Credit Act and subsequently you are covered by the supporting regulation.

 

However you may have chosen to source your own finance, therefore you will have a separate contract with that provider. Alternatively you may have decided to pay for the improvements outright, in which case there may be no finance agreement in place.

Are there any grants available?

Yes there are, for certain situations, such as households on low incomes or for properties that are deemed as hard to treat, e.g. houses with solid walls. There is the possibility for certain improvements to be paid for completely or part subsidised. This grant is called the Energy Company Obligation (ECO) and as the name suggests it is funding available from Energy Companies. At the time of the Green Deal Assessment, the Assessor will ascertain whether the household or the property meet the criteria for ECO funding and will identify it at that stage, this will be picked up by the Green Deal Provider.

The Green Deal Provider will ensure that the maximum amount of ECO is obtained for your project and it may be that it is 100% ECO funded, therefore no other finance will be required.

 

We are also aware of other local grants and sources of funding that are available and we will tell you about these during our discussions.

Can people on benefits get a Green Deal?

Yes, the same rules still apply; however, there are a number of grants available to residents in receipt of benefits. This could mean that some or all of the cost would be fully covered with no outlay from the resident. It is straightforward for certain benefits that fall under the ECO criteria, these are mostly the income related benefits and ECO may fund the measures completely. For full details on eligibility call us on 0800 035 2327 or email us info@green-deal.uk.com

Is there additional support if I have children at home or if I’m retired?

The Office of Gas and Electricity Markets (OFGEM) recently published a consultation on the possible eligibility criteria for ECO funding, including families with children. This is a consultation document and the final criteria may change but it is detailed below:

 

1. The benefits referred to in the definition of affordable warmth group in article 2 are—

(a)   child tax credit(a) and has a relevant income of £15,860 or less (where “relevant income”has the same meaning as in Part 1 of the Tax Credits Act 2002(b));

(b)   income-related employment and support allowance(c) and—

(i)                  receiving a work-related activity or support component; or

(ii)                has parental responsibility for a qualifying child; or

(iii)               is in receipt of a qualifying component;

(c)    income-based job seeker’s allowance(d) and—

(i)                  has parental responsibility for a qualifying child; or

(ii)                is in receipt of a qualifying component;

(d)   income support(e) and—

(i)                  has parental responsibility for a qualifying child; or

(ii)                is in receipt of a qualifying component; or

(e)    state pension credit (f);

(f)     working tax credit and has a relevant income of £15,860 or less and—

(i)                  has parental responsibility for a qualifying child; or

(ii)                is in receipt of a disabled worker element or severe disability element; or

(iii)               is aged 60 years or over.

 

2. In paragraph 1—

(a)   “qualifying child” means, in relation to a person in receipt of an allowance, income support or working tax credit, a child who ordinarily resides with that person and who—

(i)                  is under the age of 16; or

(ii)                is 16 or over but under the age of 20 and in full-time education (other than higher education within the meaning of section 579(1) of the Education Act 1996(g));

(b)   “qualifying component” means—

(i)                  child tax credit which includes a disability or severe disability element;

(ii)                a disabled child premium;

(iii)               a disability premium, enhanced disability premium or severe disability premium; or

(iv)              a pensioner premium, higher pensioner premium or enhanced pensioner premium;

(c) “parental responsibility” has the same meaning as in section 3 of the Children Act

1989 (h).

 

(a) Child tax credit and working tax credit are provided for in Part I of the Tax Credits Act 2002 (c.21).

(b) 2002 (c.21).

(c) See Part 1 of the Welfare Reform Act 2007 (c.5).

(d) See section 1(1) and (4) of the Jobseekers Act 1995 (c 18).

(e) See section 124 of the Social Security Contributions and Benefits Act 1992 (c 4)

(f) See section 1(1) of the State Pension Credit Act 2002 (c.16).

(g) 1996 c.56.

(h) 1989 c.41

 

For full details on eligibility call us on 0800 035 2327 or email us info@green-deal.uk.com

Is there any grant funding for rural homes?

Grant funding is available for homes in rural areas if the property is deemed to be a hard to treat home. For example, if the house has solid brick walls and/ or the location is defined as a low income area, then it may be eligible for ECO funding.

Does the tenant/owner have to take out Green Deal finance or are there other ways to pay?

The Green Deal is just one method of financing energy efficiency works. It can be partly or wholly subsidised by ECO funding, there may also be other local grants available, alternatively the householder or bill payer can make their own personal contribution through their own savings or another sort of loan.

 

If you have taken out a Green Deal loan, then there will be a repayment amount added to your electricity bill each month. This will be clearly shown as ‘Green Deal Repayment’. The Green Deal loan is controlled by the Consumer Credit Act and subsequently you are covered by the supporting regulation. However you may have chosen to source your own finance, therefore you will have a separate contract with that provider. Alternatively you may have decided to pay for the measures outright, in which case there may be no finance agreement in place.

How long does it take to pay back a Green Deal?

This depends on the improvements you have installed, the cost involved and whether any of those costs have been subsidised by other forms of funding or a customer contribution. The time span could range from a few months to over 20 years. Your Green Deal Assessor will go through the options with you.

Can the installation be paid for as a one-off payment?

Yes and it would not have to have a Green Deal Plan attached to it.

Are there any up-front costs?

Usually there are no upfront costs for the improvements however there may be some costs if your property requires Planning Permission or Building Regulations Approval. Your Green Deal Assessor will be able to advise you on this.

Do I have to pay a deposit?

No, a deposit is not required. However, if you decide to take out a Green Deal loan, you may choose to make an upfront payment in order to reduce the total amount you wish to have as a loan. Your Green Deal Assessor will be able to advise you on all of your financial options.

When do I start paying for my Green Deal?

Your repayments will be added to your electricity bill and will be due to start as soon as the works are satisfactorily completed and the arrangements for payments are made with your electricity company. The exact repayment schedule will be discussed at the time of agreeing you Green Deal Plan.  

Why do repayments have to done via on my electricity bill?

Virtually every household in the UK has electricity and therefore receives an electricity bill; this makes it the simplest way to recover the repayments for your Green Deal loan. This does not prevent you from changing your electricity supplier, which can be done at any time.

What happens if I don’t get any savings on my energy bill after I have taken out a Green Deal Plan?

The Green Deal is designed to try to save you at least as much money as you will have to repay. This is the Golden Rule – you will not be recommended any improvements that do not make you a saving in the longer term based on your current energy usage. However the actual level of your savings will depend on how much energy you use (e.g. to heat your home) and the future cost of energy. Therefore if you change the way you use energy in your home for example by increasing the room temperature or extending the times when the heating is in use, then your costs are likely to rise.

 

Please note: residents who are low energy users can still choose to have energy efficiency measures installed, however, the savings may be lower than your repayments.

Do I have to change my energy supplier to get a Green Deal Plan?

No you can stay with your current energy supplier. It doesn’t matter if you have separate companies providing gas, oil or electricity. Any energy provider has to take on the arrangements for the repayment of the Green Deal through the electricity bill. Climate Energy, as your Green Deal Provider will make all the arrangements with your electricity supplier to set up your repayments for a Green Deal Loan. The Green Deal is always repaid through the electricity bill. You can also change supplier at any time and the administration of repayments will be diverted to the new supplier.

Do I have to tell my energy supplier that I have taken out a Green Deal Plan?

No, Climate Energy as your Green Deal Provider will make the arrangements for repaying the Green Deal through the electricity bill or meter.

 

However, if you have separate energy suppliers for your heating fuel and electricity, and heating fuel is paid by fixed direct debit payments, you should contact that company to reduce the amount of those direct debits if appropriate.

 

What will happen to my energy bills once the work has been completed?

Your bill for heating should reduce; however, you will see an additional charge on your electricity bill for your Green Deal loan. This will be shown separately to allow you to still monitor your actual electricity usage. Please note the actual level of your savings will depend on how much energy you use (e.g. to heat your home) and the future cost of energy.

Do I get a separate statement showing how much I am paying for my Green Deal Plan?

No, you won’t get a separate statement on a monthly basis; however, the amount you are repaying will be shown separately on your electricity bill. This will be clearly shown as a Green Deal charge. In addition there is also an annual credit statement supplied by your Green Deal Provider detailing the Green Deal repayments you have made and any interest charged.

When will I receive a Green Deal statement?

Climate Energy as your Green Deal provider will send you an annual statement (based on the finishing date for the works). The dates of the statements will be detailed in your Green Deal Plan.

How will the Green Deal Plan on my property transfer to new bill payers?

The Green Deal loan remains with the property should you move out/sell. The repayments will continue to be added to the electricity bill when the new owner moves in, (for rented properties the landlord will need to continue paying the Green Deal until a new tenant moves in). Therefore any new occupier will automatically be paying any Green Deal payments for that property. If they have arranged to purchase their electricity from a different supplier then the repayments will automatically be transferred onto future bills from that supplier. For owner occupiers this should not come as a shock to them as the Green Deal is put as a charge on the property that will be identified when a search is carried out during the house buying process. Homes that are better insulated and cheaper to run will be more desirable than similar properties that are un-insulated and therefore more expensive to run. For rented properties the landlord should inform prospective tenants of the charge as it will appear on their electricity bill or the way in which it will be repaid through their meter.

What will the interest rate on my Green Deal loan be?

This may vary depending on your provider. However, the Green Deal interest rate will be subject to market forces and may change in regards to market trends. Compared to other unsecured loans this will be a competitive rate.

Moving Home

What happens if I sell my house?

The Green Deal loan remains with the property should you move out/sell. The repayments will continue to be added to the electricity bill when the new owner moves in, (for rented properties the landlord will need to continue paying the Green Deal until a new tenant moves in). Therefore any new occupier will automatically be paying any Green Deal payments for that property. If they have arranged to purchase their electricity from a different supplier then the repayments will automatically be transferred onto future bills from that supplier. For owner occupiers this should not come as a shock to them as the Green Deal is put as a charge on the property that will be identified when a search is carried out during the house buying process. Homes that are better insulated and cheaper to run will be more desirable than similar properties that are un-insulated and therefore more expensive to run. For rented properties the landlord should inform prospective tenants of the charge as it will appear on their electricity bill or the way in which it will be repaid through their meter.

Who do I have to tell about the Green Deal if I move house?

You should advise your Green Deal Provider and the estate agent selling your property.

I’m a tenant in a rented property, what happens when I move out?

You are not liable for Green Deal payments if you move out of the property. The loan remains with the property. The landlord must continue to make the Green Deal payments until a new tenant moves in.

Can I apply for another Green Deal to get my new home insulated?

Yes, the Green Deal is property specific so there is no reason why you could not take out another Green Deal to make your new home more energy efficient and cheaper to run. You would still need to go through the same process to obtain a new Green Deal.

Will my house go down in value if it has a Green Deal Plan attached to it?

There is no reason why this should occur. Homes that are better insulated are cheaper to run. The installation of energy efficiency improvements should add to the value of the house, so the new owners or tenants will also benefit from the savings on energy costs.

What if the new owner or tenant doesn’t want to pay back the Green Deal loan?

The Green Deal remains with the property therefore the new owner, tenant or bill payer is obligated to continue with the repayments. They will be aware of this before they make a decision to buy or rent. However, they will benefit from having a home that is better insulated and therefore one that is cheaper to run.

Property usage change or changes to the property

What happens if any changes are made to my property, e.g. I add an extension or conservatory, or I convert the house to flats?

Any structural changes are likely to affect how much energy you use and therefore the energy rating of the property, making the EPC for the original property null and void. It may mean that the Golden Rule will no longer apply. If this is the case then you may not make the predicted savings on your energy bill. Any significant changes to the property should be notified to your Green Deal Provider.

Who needs to be advised if I make changes to my property?

You should notify your Green Deal Provider if any of the changes relate to the on-going maintenance or treatment of the installed Green Deal improvements, or if the changes result in a change in energy consumption.

 

If your property is rented you will need your landlord’s consent.

If changes are made to the property will this affect my Green Deal Plan?

This depends on the changes that are made. If the changes affect the energy performance of the property, then the associated savings from the original installed measures may change. If the changes affect the servicing or maintenance of the originally installed Green Deal measures, this will also affect the savings.

Will the energy usage in my property change if there are changes made to the property?

Yes if those changes affect the energy performance of the property. A new EPC should be produced to predict the effect of any new changes.

Guarantees, Warranties

Is the work carried out under Green Deal guaranteed?

Yes it is. In addition to the normal warranties and guarantees that would be expected for the products and materials used, there are guarantees for certain measures. All measures have a minimum 5 year warranty; solid wall and cavity wall insulation have a 25 year warranty. All measures have a consequential damage guarantee for 10 years or 25 years for solid wall or cavity wall insulation respectively. Extended warranties can also be arranged separately outside of the Green Deal.

Will I get a copy of the guarantee or warranty for the measures that I have had installed?

Yes we will ensure you have copies of all guarantees and/or warranties.

Who is checking that the work done on my home is to the right standard?

An authorised assessor will carry out a customer satisfaction survey once all of the work has been completed on your home. In addition, Climate Energy will also carry out random inspections on a proportion of the jobs completed.

Customer Service & What to do if something goes wrong

What if something goes wrong with my installation?

Climate Energy as your Green Deal Provider will carry out a full investigation and ensure there is a resolution to any problems that occur.

How do I make a complaint?

If you have a complaint you should contact our Customer Service Team at Climate Energy (assuming we are your provider). We endeavour to take the swiftest and appropriate action to resolve your query. This will certainly be within the timeframe specified in the Green Deal Provider operating practice. You will be kept informed on the progress of resolving your complaint.

Where is the Climate Energy customer service centre based?

Our main centre is in Croydon although we do have other offices in the UK.

When is the Customer Service Centre open?

Our Customer Service Team is available between 9am and 5pm Monday to Friday. We are closed on weekend sand Bank holidays. Our phone number is 0800 035 2327, if you’d prefer you can contact us by email at info@green-deal.uk.com

Will I speak to a real person or to a machine if I have a problem?

You will speak to one of our trained customer service team. Outside of our opening times you can leave us a message on our voicemail. We will respond to your call on the next working day.

Will I always speak to the same person when I call the Customer Service Team?

If you are calling to make general enquiries and you do not have a contract with us, it may be that you speak to different members of our team. However, once we start any work with you, we will assign a designated member of the team to you. If for any reason they are busy, or away from the office when you call, it may be that you have to talk to a different member of the team. However, we have a comprehensive customer tracking system that ensures all members of the team will be able to access your account in order to assist you.

What is the ORB?

The Oversight and Registration Body is the organisation chosen by the Department of energy and climate change, to oversee and regulate all the participants in the Green Deal. This includes the Assessors, Providers, Installers and the certification bodies that train and certify the assessors and installers.

The ORB is responsible for the registration of these participants and for ensuring they remain competent to carry out their respective roles in the Green Deal.

Where can I find further impartial advice?

The government has set up an impartial energy saving advice service operated by the Energy Saving Trust. They can be contacted on 0300 123 1234 or you can also view their website www.energysavingtrust.org.uk

Installers and the Green Deal.

Who can install a Green Deal measure?

Only a certified Green Deal Installer. Look out for the Green Deal Quality Mark that only certified installers can use, and ask to see their certification.

Do installers need a special qualification?

Yes they do. Installers have to prove they are competent to install Green Deal measures. They have to undergo training and are tested by a certification body approved by the ORB.

I’m an installer how do I register with Climate Energy?

Take a look at our website www.installerhub.co.uk and complete our application form.

Climate Energy Approved Green Deal Provider

Who is Climate Energy?

Climate Energy is the UK’s leading independent provider of energy efficiency and carbon reduction services, and a fully accredited Green Deal Provider.

 

We are a commercial organisation, employing hundreds of people across the UK. We operate our own UK based Customer Service Centre. We pride ourselves on our on-going commitment to support local tradespeople, consistently working to find new opportunities that are a benefit to everyone involved.

 

Our extensive knowledge and experience enable us to plan, manage and fund energy efficiency and carbon reduction schemes right across the UK.

 

Climate Energy Ltd – Making Energy Efficiency Our Business.

How long have Climate Energy been operating?

We have been operating for over a decade

Who are Climate Energy’s customers?

We work extensively with local authorities, registered housing providers, businesses and communities, providing the whole range of insulation services. What we do helps our customers save money, by helping them reduce the amount of energy they use in their homes. In addition, we actively work to ensure we help them reduce the amount of CO2 their homes produce and therefore contribute to the Governments CO2 reduction targets.

What local authorities does Climate Energy work for?

We have worked with our 120 local authorities and this list continues to grow.

Does Climate Energy employ their own installers & assessors?

Yes we have our own team. However, to ensure we use local tradespeople wherever possible, we also engage with independent local installers and assessors where appropriate. Anyone we engage with will be checked to ensure they are fully trained, compliant and accredited to carry out the work assigned to them.


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