Great Yarmouth Borough Council Licensing Act 2003 - application guidance

1.1When to use the form

This guidance relates to application forms for premises licences under the Licensing Act 2003.

Broadly speaking, a premises licence can authorise the following activities:

• the sale or supply of alcohol
• the provision of public entertainment
• the provision of late night hot food and drink

 Further information about what activities are licensable is given later in this guidance.

Applications for premises licences must be made to the Licensing Authority within whose area your premises are situated. This will normally be your local authority and for premises situated in the Great Yarmouth area, this is Great Yarmouth Borough Council. Application forms can either be obtained from the Home Office website, via the Borough Council's website, or by emailing the Licensing Team at [email protected].

1.2Need more help?

This guidance is intended to help applicants complete the application form. Further information about the Licensing Act 2003 and other sources of help can be found on the Home Office website. The Council's Licensing Team may also be able to help you with general queries and advice on how to complete the application form. You may also wish to consult other sources of advice such as a relevant trade body, or by engaging professional assistance, such as legal advice.

In the opening statement, you should insert the name of the applicant or applicants who are applying for a licence eg. 'John Smith' or 'Nice Pub Company'.

2.1Part 1: Premises details

This section asks for the address and some other details of the premise. If the premise has no postal address, for example, if the application relates to an event on open land, you should describe the location of the premises or give the Ordnance Survey map reference.

This section also asks for the non-domestic rateable value (NDRV) of the premises. This is not the same as the actual business rates you pay, but it is a value determined by the valuation office, which helps determine business rates. The NDRV, rather than your business rates bill, will determine the fee level to be paid with the licence application and the annual fee thereafter. The NDRV of any premises can be checked on the Valuation Office Agency (VOA) website. NDRV is revalued every five years. Premises that do not have a non domestic rateable value are treated as falling into band A for licensing fee purposes. Where, however, premises are in the course of construction, Band C is payable.

Fees

Fees for all Licensing Act 2003 permissions have been set by central government. These are divided into 5 bands:

Fees for applications for new premises licences (and subsequent annual fee charges) are shown below:

For larger premises (band D and E) where they are exclusively or primarily in the business of selling alcohol for consumption on the premises, the following fees apply:

There is also an additional fee payable for events or premises with 5,000+ persons in attendance, ranging from £1,000 to £64,000 for 90,000 and over. Please contact the Licensing Team for further details.

2.2Part 2: Applicant details

This section asks you to state the capacity in which you are applying, for example as an individual, a limited company, a recognised club, a charity etc. You can only apply in one of these capacities so should only tick one box.

If you are applying as a person described in (a) or (b) you must also tick one of the 3 boxes at the end of this question. For the majority of applicants, the first box will apply (ie. the applicant will be carrying on or proposing to carry on a business). An application pursuant to a 'statutory function' might be an application made by an agency of the government (eg. the passport agency) and an application pursuant to a 'function discharged by virtue of her majesty's prerogative' might be an application made by the government (eg. by a secretary of state).

You should then give further details in either section (A) Individual Applicants or section (B) Other Applicants, but not both.

2.3Part 3: Operating schedule

You should state the date you would like the licence to start. The start date cannot be earlier that the end of the consultation period and this is the date that will be allocated if no date is given. A premises licence will last indefinitely, unless otherwise stated in the box provided.

2.4General description of the premise

You are asked to describe the premises. For example, the type of premise it is, its general situation and layout and any other information that would be relevant to the licensing objectives. You should also describe any areas that you intend to provide for people to consume alcohol that you sell or supply such as outside areas (eg. beer gardens).

2.55,000 or more people attending

The question concerning the number of people attending the premises at any one time is necessary to determine whether an additional fee for large events should apply. It is not necessary to complete this box if you think that less than 5,000 people will attend the premises at any one time. The figure relates to the maximum number of people on the licensed premises, including employees, at any one time - not the total number over a period of time. It is important to note that the attendance figure relates to the 'licensed premises' (ie. the licensed area identified in the plan) and not the areas that are outside the 'licensed premises'. If you decide that the number will not exceed 5,000, you will be responsible for ensuring that the numbers at any one time do not exceed this figure. If you do exceed it, you could be engaging in an unlicensed activity, which is a criminal offence.

Do I have to issue everyone a ticket to prove the numbers on the premises?

It is for you to decide when putting your application together whether you need arrangements for counting the numbers in or out. However, it is an offence to make a false declaration in the application.

I run a country show which has a beer tent. Do I have to put the total number of people at the show in this section?

It depends whether you are licensing the whole premises. As most events at such a show are not licensable activities, it should be possible to simply licence the beer tent. In this case, the capacity of the beer tent is what counts and this may be unlikely to trigger the additional fee for large events.

Should I include my beer garden on my premises licence?

That is for you to decide. In doing so, you will want to consider whether you might want to use the garden at some point in the future to sell alcohol - perhaps an outdoor bar at a barbeque or possibly through waited drinks service. Also, if you do not include the garden as part of the licensed premises, drinks that are bought to be consumed there will count as 'off supplies' and any conditions that relate to 'off sales' would apply. If the beer garden is being provided for consumption of 'off supplies', you must include a description of where the place is and its proximity to the premises.

2.6Licensable activities

You should indicate which licensable activities you wish to carry on by ticking the appropriate boxes. In considering what to put in this section, you should think about all the activities you may want to conduct at the premises in the future and consider whether any are licensable activities under the Licensing Act. After this, you should complete the corresponding boxes from A to M that relate to those activities. Only complete the boxes that relate to the activities you have ticked.

You should give timings using the 24 hour clock and only give details for days of the week when you intend the premises to be used for the licensable activities in question. The space marked 'state any seasonal variations', gives you the opportunity to include any, for example, longer hours or additional days during the summer. The space marked 'non standard timings', gives you the opportunity to record occasions when the timings will change. For example, you may wish to go on longer on Christmas Eve or weekends preceding bank holidays.

Under 'non standard timings' can I say that I will open late to cover rugby world cups, Australian rules football, or sporting events overseas that are broadcast late at night or early morning in the UK?

You can include whatever licensable activities you like, but should think about how these might be viewed by responsible authorities or other persons. It might be worth talking to the relevant responsible authorities first to see what conditions, if any, you might offer to reassure any concerns.

Except in box C (indoor sport) you are asked to indicate whether the activity is taking place indoors, outdoors or both. Indoors may include a tent.

In the space marked 'Please give further details here', please state the type of activity to be authorised, if not already stated, and give relevant further details, for example (but not exclusively) whether or not music will be amplified or unamplified.

2.7Boxes A to H (provision of regulated entertainment)

For the purposes of the Licensing Act, the 'provision of regulated entertainment' means the provision of entertainment of a description falling within the following:

1. a performance of a play
2. an exhibition of a film
3. an indoor sporting event
4. a boxing or wrestling entertainment
5. a performance of live music
6. any playing of recorded music
7. a performance of dance
8. entertainment of a similar description to that falling within paragraph (e), (f) or (g)

- where the entertainment takes place in the presence of an audience and is provided for the purpose of entertaining that audience.

Box A: Plays

A performance of any dramatic piece, (including a rehearsal), whether involving improvisation or not, which is given wholly or in part by one person or more persons present and performing in which the whole or a major proportion of what is done by the person(s) performing, whether by way of speech, singing or action, involves the playing of a role.

Box B: Films

Any exhibition of moving pictures except where its sole or main purpose is to demonstrate a product, advertise goods or services or provide information, education or instruction, or if it consists or forms part of an exhibit put on show for any purposes of a museum or art gallery. The use of television or radio receivers is not licensable, except for the showing of pre-recorded programmes.

Box C: Indoor sporting event

A sporting event is defined in the Licensing Act as any contest, exhibition or display of any sport in which physical skill is the predominant factor, and any form of physical recreation which is also engaged in for purposes of competition or display which takes place wholly inside a building, and at which spectators are accommodated inside that building. This includes any roofed structure and could be a vehicle, vessel or moveable structure.

A venue with a roof that opens and closes is regarded as being an outdoor event and sporting activities in such venues are not licensable under the Licensing Act. But note that other activities at such venues (such as the sale of alcohol or live music) are licensable.

Box D: Boxing or wrestling entertainment

Unlike other sports, boxing and wrestling is licensable whether or not held indoors or outdoors.

Box E: Live music

Live music includes vocal or instrumental music or any combination of the two. The performance of live music, if it is incidental to some other activity, which is not in itself regulated entertainment, is not licensable. Equally, an amendment to the Licensing Act made by the Live Music Act 2012 (as amended) allows live music to be offered without a licence provided that:

1. the venue has a premises licence that authorises on sales of alcohol;
2. the premises is open for the sale of alcohol;
3. it takes place between 8am and 11pm; and
4. the audience does not exceed 500 persons (if amplified live music)

Box F: Recorded music

Your licence does not have to cover the playing of recorded music if it is incidental to some other activity which is not itself regulated entertainment, as this would be exempt. For example, background music in a supermarket is likely to be considered to be incidental. If you have a jukebox or a disc jokey at your premises you need to consider whether, in your particular case, this is incidental music of whether it is a licensable activity. An amendment to the Licensing Act made by the Live Music Act allows recorded music to be offered without a licence provided that:

1. the venue has a premises licence that authorises on sales of alcohol;
2. the premises is open for the sale of alcohol;
3. it takes place between 8am and 11pm; and
4. the audience does not exceed 500 persons

Box G: Performance of dance

Morris dancing or any dancing of a similar nature is not licensable, nor is the performance or unamplified live music as an integral part of such dancing.

Box H: Entertainment of a similar description to that falling within paragraph (e), (f) or (g)

Box I: Provision of late night refreshment

This covers the supply of hot food or drink between 11pm and 5am, although there are several exemptions. Hot drinks consisting of, or containing alcohol, should be authorised under the supply of alcohol, rather than late night refreshment.

A hot drink from a vending machine where the customer inserts the payment into the machine and the drink is supplied directly by the machine is not licensable but would be if a member of staff takes the money or serves the drink.

Free hot food or drink is not licensable, nor is that supplied by a registered charity or by a person authorised by a registered charity.

Hot food or drink supplied on a vehicle, which is not permanently or temporarily parked at the time, is also exempt.

There are also exemptions that apply to hotel guests, certain employees or particular trades or professions.

Box J: Sale by retail of alcohol

If you wish people to be able to consume alcohol on the premises, please tick 'on'. If you wish
people to be able to purchase alcohol to consume away from the premises, please tick 'off'. If you wish people to be able to do both, please tick 'both'.

Designated Premise Supervisor

If you intend to sell alcohol, you should give details of the person who you wish to be the designated premises supervisor (DPS) under the new licence. The DPS will need to hold a valid personal licence. In many cases, this will be the premises licence holder, but you can choose to name someone else. There is only one DPS for each premise (but any number of personal licence holders) and it is usually the person who has day to day responsibility for the premises. You will also need to submit a 'DPS consent form' signed by the person you wish to be your DPS (you need to do this even if this is the same person who is applying for the premises licence) to confirm that he/she is happy to take on this role. The form is prescribed and is available on request from the Licensing Team. The form should be included with your application (see checklist).

Personal licences

More information in relation to applying for a personal licence is available on the Council's website or by contacting the Licensing Team.

Box K

This asks you to give information about anything to occur at the premises or ancillary to the use of the premises which may give rise to concern in respect of children, for example (but not exclusively) nudity or semi-nudity, films for restricted age groups or gambling. You do not complete this section if it does not apply to your premises, but rather than leave it blank, it would be better to write 'none' or 'n/a' to be clear that you have considered this, rather than simply forgotten to complete the box.

Box L: Hours premises are open to the public

While this may include times where no licensable activities take place, it is important for responsible authorities and other persons to know how long your premises is open in addition to the times where licensable activities will take place. For example, it might be necessary and proportionate to ensure that licensable activities finish in good time before the premises closes to the public in order to allow orderly departure. If applying for the sale of alcohol as a licensable activity, you might want to consider allowing customers time to consume the alcohol before the premises closes by allowing 30 minutes (as an example) between the finish time of the sale of alcohol and the closing time of the premise.

You should indicate whether any of the 'seasonal variations' and/or 'non standard timings' for licensable activities, would affect the hours the premises are open to the public, in the spaces provided. You may also wish to consider whether there will be any seasonal variations or non standard timings when the premises will be open to the public at different times for non-licensable activities - for example, opening early to provide breakfasts during the summer holidays.

M: Steps to promote the licensing objectives

You are asked to describe the steps you intend to take to promote the four licensing objectives:

• the prevention of crime and disorder
• public safety
• the prevention of public nuisance
• the protection of children from harm

Don't forget that you should already be abiding by relevant legislation in other areas. Your starting point should be compliance with these requirements. If you feel there is nothing more you need to do, then you might wish to write 'n/a' or something like 'nothing beyond existing health and safety/fire safety etc requirements'. This shows you have considered the objectives and come to a decision that you have nothing additional to do and not that you have forgotten to write anything in this section. Of course, if a responsible authority for one of the licensing objectives considers that you need to do more, they will be able to make representations. If you have concerns, you may find it useful to talk to the relevant responsible authority before completing the form. Further information on responsible authorities is detailed at the end of this guidance.

If you do intend to take additional measures you should consider carefully what to include. Anything you put down here is likely to become a condition of your licence. Failure to meet those conditions would constitute an offence under the Licensing Act. You should therefore think carefully about adding conditions to ensure that they are achievable, realistic, appropriate, proportionate and within your control. Base your response on a proper, common sense consideration of the risks and what you can realistically do to mitigate them.

It is suggested that a thorough risk assessment be conducted to identify those measures necessary to promote the four licensing objectives. Any risk assessment should consider the individual circumstances of the premises (including local knowledge) and take into account a range of factors including:

• the nature and style of the venue
• the activities being conducted there
• the location
• the anticipated clientele

In the 'General' box, list the steps you will take to promote all four licensing objectives together, for example, staff training.

Prevention of crime and disorder

The following is a range of measures that could be included, where appropriate:

• the provision of CCTV
  • the presence of CCTV cameras can be an important means of deterring and detecting crime and disorder at and immediately outside licensed premises; where appropriate, risk assessments should identify the precise siting of each camera, the requirement to maintain cameras in working order, and to retain recordings for an appropriate period of time -the police should be able to offer advice on the use of CCTV to prevent crime
• details of a venue drugs policy
• details of any search procedure/policy including the storage procedures for confiscated drugs
• protocols for actions taken by door supervisors in relation to illegal drugs or violent behaviour, particularly when police officers should be called immediately
• text or radio pagers should be considered for public houses, bars and nightclubs operating in the town centre and seafront areas with a high density of licensed premises - they may also be appropriate and necessary in other areas
• measures to prevent, or substantially limit, alcohol abuse caused by drinking games and continuous drinks promotions
• to be affiliated with the relevant radio scheme where available
• recruiting Security Industry Authority (SIA) licensed door supervision staff from a reputable company with SIA approved contractor status; having procedures in place to check the SIA register of licensed door supervisors to ensure their premises and customers are only protected by door supervisors with an SIA licence
• bottle bans and provision of toughened or shatter proof glasses, particularly when used in designated outside areas
• proof of age procedures in place

Public safety

Employers have a statutory duty to comply with the requirements of the Health and Safety at Work etc. Act 1974, associated regulations and especially the requirements under the Management of Health and Safety at Work Regulations 1999, and the Regulatory Reform (Fire Safety) Order 2005 to undertake risk assessments. Employers should assess the risks, including risks from fire, and take measures necessary to avoid and control them. Conditions enforcing these requirements are therefore unnecessary as it would be duplication.

The Fire Service will expect to see a copy of your completed fire risk assessment. Failure to provide the risk assessment may result in a representation submitted by the Fire Service if it is considered that the public safety licensing objective could be undermined.

In most premises existing legislation will provide adequately for the safety of the public. However, where this is not the case, consideration might be given to include the following matters:

• safety checks that are carried out before the admission of public and how such checks are recorded
• escape routes - unobstructed and doors easily opened
• safe evacuation of disabled people
• operation of emergency lighting
• curtains, hangings, decorations and upholstery - not to obstruct
• capacity limits
• access for emergency vehicles
• night club owners and dance event organisers are encouraged to seek guidance to ensure the health and safety of anyone attending the events from the safer clubbing guide by visiting www.drugs.gov.uk. This would include chill out areas and access to free drinking water
• adequate and appropriate risk related supply of first aid equipment and personnel
• the provision of ventilation to ensure patrons do not become overheated
• electrical safety inspection of the mains system including the provision and testing of shock protection systems such as a residual current device
• any temporary electrical installation being used to be checked by a competent electrician and a temporary electrical installation report or a certificate of compliance to be obtained
• premises with a gas installation to have an annual CORGI certificate of inspection in respect of that installation and in respect of any gas appliance
• suitable and sufficient levels of lighting so as to ensure safety of patrons using the premises
• the specific safety hazards and associated risks concerned with special effects such as dry ice and fog machines, pyrotechnics, foam parties, firearms, lasers and strobe lighting
• the specific safety hazards concerning striptease and lap dancing entertainment
• the risk to patrons hearing from loud events, and any control and/or advance warning of this

Prevention of public nuisance

The Environmental Protection Act 1990, the Noise Act 1996 and the Clean Neighbourhoods and Environment Act 2005 provide some protection to the general public from the effects of noise nuisance. However, some activities might cause a disturbance to members of the public and consideration should be given to such issues as noise, light, odour, litter and anti social behaviour when proposing conditions. Consideration might be given to include the following matters:

• the hours during which the premises are permitted to be open to the public and/or restrictions when certain licensable activities are to take place
• measures to prevent noise and vibration escaping from the premises including music, noise from ventilation equipment, and human voices. This may include keeping doors and windows shut, the installation of sound proofing, air conditioning, acoustic lobbies etc
• measures to prevent queuing, or, if queuing is inevitable, to divert queues away from neighbouring premises, or otherwise to manage the queue to prevent disturbance or obstruction
• measures to ensure staff and patrons leave the premises quietly
• arrangements made or proposed for parking by patrons, and the effect of parking on local residents
• whether taxis and private hire vehicles serving the premises are likely to disturb local residents
• whether the premises would result in increased refuse storage or disposal problems or additional litter in the vicinity of the premises
• measures to ensure activities such as taking out refuse including glass bottles does not cause nuisance to neighbours
• measures to ensure security and other lighting does not create a nuisance to neighbouring residents

Protection of children from harm

If it is the intention to completely exclude children from the premise, this should be indicated as a condition. If children are to be permitted on the premises, measures should be outlined to promote the protection of children from harm while on the premises. In this case, consideration might be given to include the following matters:

• age restrictions - the hours of day during which age restrictions should and should not apply
• proof of age schemes to avoid illegal sales of alcohol taking place (such as 'NO ID - NO SALE', acceptance of PASS accredited Proof of Age Cards)
• staff training to identify measures taken to ensure that alcohol is not sold to persons under 18 or that other people do not purchase alcohol for under 18's
• procedures for lost and found children at large scale events
• additional measures that are taken at events that are presented especially for unaccompanied children
• measures that are put in place to ensure that children are not exposed to unsuitable entertainment
• compliance with the Portman Group Code of Practice on Naming, Packaging and Promotion of Alcohol Drinks

2.8Checklist and declaration

By ticking this list, you are making a declaration that you have carried out the listed actions. If you tick the boxes and do not carry out these actions, you may be making a false statement in relation to the application, which is an offence, which on conviction may make you liable to a fine of up to £5,000.

You should check that you have included all the required documentation.

Right to work

Applicants must demonstrate that they have the right to work in the UK and are not subject to a condition preventing them from doing work relating to the carrying on of a licensing activity. This is done by providing with the application copies, or scanned copies, of the required documents. Comprehensive guidance on the type of documents required are detailed at the back of the premises licence application form.

Any premises licence issued in respect of an application made on or after 6 April 2017 will become invalid if the holder ceases to be entitled to work in the UK.

2.9Plans

The plan of the premises should be included with the application and copied to the responsible authorities as part of the application. The plan of the premises needs to show the following:

• the extent of the boundary of the building, if relevant, and any external and internal walls of the building and, if different, the perimeter of the premises
• the location of points of access to and egress from the premises
• if different from above, the location of escape routes from the premises
• in a case where the premises is used for more than one existing licensable activity, the area within the premises used for each activity
• fixed structures (including furniture) or similar objects temporarily in a fixed location (but not furniture) which may impact on the ability of individuals on the premises to use exits or escape routes without impediment
• in a case where the premises include a stage or raised area, the location and height of each stage or area relative to the floor
• in a case where the premises include any steps, stairs, elevators or lifts, the location of the steps, stairs, elevators or lifts
• in a case where the premises include any room or rooms containing public conveniences, the location of the room or rooms
• the location and type of any fire safety and other safety equipment, including if applicable, marine safety equipment
• the location of a kitchen, if any, on the premises

Unless you have previously agreed with the Licensing Team that an alternative scale plan is acceptable, the plan should be drawn in standard scale, where 1 millimetre represents 100 millimetres. The plan may include a key of symbols to illustrate the above on the plan, but there is no requirement to do so. The licensable area of the premise should be outlined in red.

There is no requirement to have plans professionally drawn. What is important is that they are accurate and meet the requirements referred to above.

2.10Responsible authorities

You are required to give a copy of the application, including the accompanying documentation, to all the responsible authorities on the same day as the application is given to the Licensing Team. Responsible authorities are the public bodies that are entitled to make representations in relation to an application. Any representation must be about the effect of granting the application on the promotion of the licensing objectives. A list of responsible authorities is detailed at the end of this guidance.

2.11Advertising your application

The application must be advertised in the following two ways:

1. By displaying a notice of the application prominently at or on the premises to which the application relates where it can be conveniently read by the public for a period of not less than 28 consecutive days starting on the day after the day on which the application was given to the Licensing Team. In the case of premises covering an area of more than fifty metres square, a further notice in the same form and subject to the same requirements must be displayed every fifty metres along the external perimeter of the premises abutting the highway. The notice must be:

• of a size equal or larger than A4
• of a pale blue colour
• printed legibly in black ink or typed in black in a font of a size equal to or larger than 16
• if possible, a photo of the displayed notice should be emailed to the Licensing Team

2. By advertising the application in a local newspaper circulating in the vicinity of the premises on at least one occasion during the period of 10 working days starting on the day after the day the application was given to the Licensing Team.

Once you have arranged the notice to be published in the newspaper, please advise the Licensing Team of the name of the newspaper and the date of publication. It is also helpful to provide a copy of the published notice.

A blank notice can be obtained by contacting the Licensing Team.

You can download an example of a notice of application (Word doc, 17 KB).

2.12Part 4: Signatures

The application form must be signed.
An applicant's agent (for example a solicitor) may sign the form on their behalf provided that they have actual authority to do so. When there is more than one applicant, both applicants, or their respective agents, must sign the application form.

The completed application form and all other required documents should be sent to the Licensing Team:

Alternatively, applications can be emailed provided they are in a clear and accessible format:

• email: [email protected] - this email can also be used to contact the Licensing Team for any other licensing queries.
• telephone: 01493 846530

If there are no representations within the 28 day consultation period and the application has been correctly submitted and advertised, the licence will be granted as applied for.

If a relevant representation is received, a licensing sub-committee meeting will be scheduled in order to determine the application. The hearing must be held within 20 working days following the expiry date of the representation period unless it is in the 'public interest' to hold a hearing later than 20 working days.

There is a right to appeal the decision of the licensing sub-committee. The appeal should be made to the Magistrates Court appropriate to the location of the premises concerned.

The Licensing Team
Great Yarmouth Borough Council
Town Hall
Great Yarmouth
NR30 2QF
Telephone: 01493 846530
Email: [email protected]

Norfolk Constabulary Licensing Team
Bethel Street Police Station,
Bethel Street,
Norwich
NR2 1NN
Telephone: 01603 276024
Email: [email protected]

The Fire Authority
Group Manager
Norfolk Fire and Rescue Service
Fire Station
Friars Lane
Great Yarmouth
NR30 2RP
Telephone: 01493 339901
Email: [email protected]

Planning Authority
Planning and Development
Great Yarmouth Borough Council
Town Hall
Great Yarmouth
NR30 2QF
Telephone: 01493 846430
Email: [email protected]

Environmental Health
Environmental Services
Great Yarmouth Borough Council
Town Hall
Great Yarmouth,
NR30 2QF
Telephone: 01493 846478
Email: [email protected]

Trading Standards
Legal Process Unit
Trading Standards
County Hall
Martineau Lane
Norwich
NR1 2UD
Telephone: 0844 800 8013
Email: [email protected]

Child Protection
Norfolk Safeguarding Children Partnership
County Hall
Martineau Lane
Norwich
NR1 2DL
Telephone: 01603 223409
Email: [email protected]

Public Health
Public Health Director
Norfolk County Council
County Hall
Martineau Lane
Norwich
NR1 2DH
Telephone: 01603 638378
Email: [email protected]

Home Office
IE Licensing Compliance Team
2 Ruskin Square (Floor 6)
Dingwall Road
Croydon
CR0 2WF
Email: [email protected]