Denis Minns, Managing Director of DBS Homes wants to give credit where it is due

We all have credit records and some of us have a more chequered past than others. Today, details of our credit history are omnipresent and can be all-too easily sourced by those considering lending to us. It is all based on risk and reward - if you lend Mr Average a fiver, you have a 75% chance of getting it back. 

 

The wealthy, meanwhile, don’t have to worry. Not because they can easily maintain a good credit rating, but because they don’t need credit in the first place. While those who desperately need to borrow money, find it problematic. Need, unfortunately, is not what determines the allocation of credit. 

 

If we have the capacity and inclination to keep credit records on all our citizens, then I believe there should be another kind of record -. a ‘contribution record’.  Here, the scores of those who have made contributions to society by way of sacrifice of their time for charity or in gainful employment would be recorded, as a testament to their social payback; A way of restoring a bit of the collective balance in favour of the selfless. Not in order to judge those who don’t make such a contribution, but to reward those who do.

 

Something of this notion was expressed by Frank Field, the Labour MP for Birkenhead. He feels that: "benefits have to be earned rather than automatically allocated on need." Surely it would be fairer to allocate housing to those who have made a contribution to our own society over many years?

 

 

And that surely is our principal concern: Housing allocation. Housing authorities may have a points system for housing allocation, but these are based on need. Why not have a system that consults the contribution record? 

 

In the most part, land on which Affordable Housing is built, is paid for by the development of market housing. Provision is made on new homes developments for affordable housing to be built on behalf of Housing Associations, or a payment is made towards affordable housing elsewhere. Building costs, meanwhile, are met by grants from the Homes and Communities agency and Local Authorities. 

 

Developers undertake the construction of affordable housing to rigorous building codes and timescales. These homes, provided by our Housing Associations, offer economical, energy efficient and low-maintenance buildings for their occupiers. They are the best housing available and make a positive contribution to the reinvigoration of our communities. Let us then instead, provide these homes to those in society who make the most positive contribution too. We have too little subsidised housing to go round - let it be allocated to those who have earned it.

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