Carbon Bubble Risk, Pension Fund Fiduciary Duty & Risks To Local Taxpayers Through LGPS Underfunding and Exposure to Investment Losses in Defined Benefit Schemes
Dear Enfield Council,
The Bank of England, HSBC, Citi Bank, Mercers, and the World Bank are clear that climate change is a major and growing financial issue. Bank of England Governor Mark Carney has said that climate change poses physical, liability and transition risks, which are all increasing.
Therefore, carbon bubble risk is now a clear material financial risk, and it is in the best interests of pension fund members to have regard to and actively manage, financial risks posed by climate change.
Additionally, as the individual ensuring compliance with SIP documents and signing off on the pension fund annual accounts, the s151 officer has a fiduciary duty to local taxpayers - who would ultimately be required to bail out the defined benefit LGPS fund, in the event of significant losses suffered in carbon markets, should the LGPS fund not manage carbon risk prudently.
We are therefore requesting the Pension Fund/ Committee/ Board would set out the appropriate response of the fund to the following questions:
(1) Please provide the two most recent versions of the Statement of Investment Principles (SIP)
(2) Will the fund be reviewing its SIP documents to pursue best practice and review carbon risk management and investment mandates in advance of LGPS pooling? If so when?
(3) Please provide current contract and procurement documents for the Investment Adviser(s) to the Pension Fund Committee.
(4) Please provide current procurement and contract documentation for the external fund manager(s) as set out in investment management agreements.
(5) Please provide a list of compliance breaches identified by the Head of Finance/ s.151 officer and brought to the attention of the Pension Fund Committee, during the last three (3) financial years.
(6) What steps have the Pension Fund Committee and Board taken to address the financial risks posed by climate change?
(7) Since the December 2015 Paris COP agreement, Peabody bankruptcy, and Exxon Mobil downgrade, has the pension fund changed its approach to climate change risks and investment in carbon stocks?
(8) Please provide Pension Fund Committee and Board meeting minutes where climate change, and carbon bubble investment risk was discussed, and minuted 2014 - 2016.
(9) Have you surveyed or formally consulted with your individual members or employers for their views on your ESG policies or practices in the last 10 years?
(10) How much does the fund spend on ESG engagement services and can you give any examples of engagement activities relating to climate change/carbon risk from the last 10 years?
We are asking these questions to understand how/ if UK local authority pensions funds fiduciary duties are being met in regard to climate change related financial risks - and to appraise financial risks to taxpayers in situations where fiduciary duty to manage carbon investment risk has been breached.
Yours faithfully,
Joel M Benjamin
An account was created automatically for you, but you can't log in until your password has been set.
Your username is: [FOI #367988 email]
Your registered email address is: [FOI #367988 email]
Click the following link to continue to a page where you can enter your new password.
http://enfield-council.custhelp.com/app/...
Please note that this link will expire 24 hours from the time that it was sent.
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Customer By Email (Joel M Benjamin) 28/10/2016 10.32 PM
Dear Enfield Council,
The Bank of England, HSBC, Citi Bank, Mercers, and the World Bank are
clear that climate change is a major and growing financial issue. Bank of
England Governor Mark Carney has said that climate change poses physical,
liability and transition risks, which are all increasing.
Therefore, carbon bubble risk is now a clear material financial risk, and
it is in the best interests of pension fund members to have regard to and
actively manage, financial risks posed by climate change.
Additionally, as the individual ensuring compliance with SIP documents and
signing off on the pension fund annual accounts, the s151 officer has a
fiduciary duty to local taxpayers - who would ultimately be required to
bail out the defined benefit LGPS fund, in the event of significant losses
suffered in carbon markets, should the LGPS fund not manage carbon risk
prudently.
We are therefore requesting the Pension Fund/ Committee/ Board would set
out the appropriate response of the fund to the following questions:
(1) Please provide the two most recent versions of the Statement of
Investment Principles (SIP)
(2) Will the fund be reviewing its SIP documents to pursue best practice
and review carbon risk management and investment mandates in advance of
LGPS pooling? If so when?
(3) Please provide current contract and procurement documents for the
Investment Adviser(s) to the Pension Fund Committee.
(4) Please provide current procurement and contract documentation for the
external fund manager(s) as set out in investment management agreements.
(5) Please provide a list of compliance breaches identified by the Head of
Finance/ s.151 officer and brought to the attention of the Pension Fund
Committee, during the last three (3) financial years.
(6) What steps have the Pension Fund Committee and Board taken to address
the financial risks posed by climate change?
(7) Since the December 2015 Paris COP agreement, Peabody bankruptcy, and
Exxon Mobil downgrade, has the pension fund changed its approach to
climate change risks and investment in carbon stocks?
(8) Please provide Pension Fund Committee and Board meeting minutes where
climate change, and carbon bubble investment risk was discussed, and
minuted 2014 - 2016.
(9) Have you surveyed or formally consulted with your individual members
or employers for their views on your ESG policies or practices in the last
10 years?
(10) How much does the fund spend on ESG engagement services and can you
give any examples of engagement activities relating to climate
change/carbon risk from the last 10 years?
We are asking these questions to understand how/ if UK local authority
pensions funds fiduciary duties are being met in regard to climate change
related financial risks - and to appraise financial risks to taxpayers in
situations where fiduciary duty to manage carbon investment risk has been
breached.
Yours faithfully,
Joel M Benjamin
-------------------------------------------------------------------
Please use this email address for all replies to this request:
[3][FOI #367988 email]
Is [4][Enfield Council request email] the wrong address for Freedom of
Information requests to Enfield Council? If so, please contact us using
this form:
[5]https://www.whatdotheyknow.com/change_re...
Disclaimer: This message and any reply that you make will be published on
the internet. Our privacy and copyright policies:
[6]https://www.whatdotheyknow.com/help/offi...
For more detailed guidance on safely disclosing information, read the
latest advice from the ICO:
[7]https://www.whatdotheyknow.com/help/ico-...
If you find this service useful as an FOI officer, please ask your web
manager to link to us from your organisation's FOI page.
-------------------------------------------------------------------
Question Reference No161028-000105
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 28/10/2016 10.32 PM
Last Updated: 28/10/2016 10.32 PM
Status: Correspondence team
[---001:004742:20223---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. mailto:[FOI #367988 email]
4. mailto:[Enfield Council request email]
5. https://www.whatdotheyknow.com/change_re...
6. https://www.whatdotheyknow.com/help/offi...
7. https://www.whatdotheyknow.com/help/ico-...
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Response 28/10/2016 10.32 PM
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [3]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Question Reference No161028-000105
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 28/10/2016 10.32 PM
Last Updated: 31/10/2016 09.32 AM
Status: Solved
[---001:002218:31105---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. http://enfield-council.custhelp.com/app/...
Dear Enfield Council,
This is request is now overdue. Please provide a full response ASAP.
Yours sincerely,
Joel M Benjamin
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 26/11/2016 09.17
AM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 26/11/2016 09.17
AM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Customer By Email (Joel M Benjamin) 26/11/2016 09.17 AM
Dear Enfield Council,
This is request is now overdue. Please provide a full response ASAP.
Yours sincerely,
Joel M Benjamin
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 26/11/2016 09.17
AM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Response 26/11/2016 09.17 AM
Dear Sir / Madam
We acknowledge your request for information received on 26/11/2016 09.17
AM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 26/11/2016 09.17
AM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [3]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Question Reference No161126-000002
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 26/11/2016 09.17 AM
Last Updated: 29/11/2016 09.55 AM
Status: Solved
[---001:002218:31088---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. http://enfield-council.custhelp.com/app/...
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Response 31/10/2016 09.32 AM
Dear Sir / Madam
We acknowledge your request for information received on 28/10/2016 10.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [3]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Question Reference No161028-000105
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 28/10/2016 10.32 PM
Last Updated: 29/11/2016 10.20 AM
Status: Solved
[---001:001801:53182---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. http://enfield-council.custhelp.com/app/...
Dear Enfield Council,
Please pass this on to the person who conducts Freedom of Information reviews.
I am writing to request an internal review of Enfield Council's handling of my FOI request 'Carbon Bubble Risk, Pension Fund Fiduciary Duty & Risks To Local Taxpayers Through LGPS Underfunding and Exposure to Investment Losses in Defined Benefit Schemes'.
This request is now in excess of 1 month overdue, and has not been answered despite prompts to do so.
Given the large volumes of members funds being managed by the pension fund committee, advisors and fund managers, and the extensive financial risk being carried by local taxpayers who effectively underwrite the defined benefit LGPS schemes and cover losses where the scheme is mis-managed, there is a substantial public interest case in favour of full disclosure.
A full history of my FOI request and all correspondence is available on the Internet at this address: https://www.whatdotheyknow.com/request/c...
Yours faithfully,
Joel M Benjamin
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 04/01/2017 12.32 PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 04/01/2017 12.32 PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
Answer Link: [3]How do I make a request for information under the Freedom of
Information Act 2000?
If no Answers are shown this means we do not currently have any information
regarding this subject matter within our knowledge base.
Discussion Thread
Customer By Email (Joel M Benjamin) 04/01/2017 12.32 PM
Dear Enfield Council,
Please pass this on to the person who conducts Freedom of Information
reviews.
I am writing to request an internal review of Enfield Council's handling of
my FOI request 'Carbon Bubble Risk, Pension Fund Fiduciary Duty & Risks To
Local Taxpayers Through LGPS Underfunding and Exposure to Investment Losses
in Defined Benefit Schemes'.
This request is now in excess of 1 month overdue, and has not been answered
despite prompts to do so.
Given the large volumes of members funds being managed by the pension fund
committee, advisors and fund managers, and the extensive financial risk
being carried by local taxpayers who effectively underwrite the defined
benefit LGPS schemes and cover losses where the scheme is mis-managed, there
is a substantial public interest case in favour of full disclosure.
A full history of my FOI request and all correspondence is available on the
Internet at this address:
[4]https://www.whatdotheyknow.com/request/c...
Yours faithfully,
Joel M Benjamin
-------------------------------------------------------------------
Please use this email address for all replies to this request:
[5][FOI #367988 email]
Disclaimer: This message and any reply that you make will be published on
the internet. Our privacy and copyright policies:
[6]https://www.whatdotheyknow.com/help/offi...
For more detailed guidance on safely disclosing information, read the latest
advice from the ICO:
[7]https://www.whatdotheyknow.com/help/ico-...
If you find this service useful as an FOI officer, please ask your web
manager to link to us from your organisation's FOI page.
-------------------------------------------------------------------
Question Reference No170104-000049
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 04/01/2017 12.32 PM
Last Updated: 04/01/2017 12.32 PM
Status: Correspondence team
[---001:003046:42011---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. http://enfield-council.custhelp.com/app/...
4. https://www.whatdotheyknow.com/request/c...
5. mailto:[FOI #367988 email]
6. https://www.whatdotheyknow.com/help/offi...
7. https://www.whatdotheyknow.com/help/ico-...
[1]Enfield Logo
Response
Dear Sir / Madam
We acknowledge your request for information received on 04/01/2017 12.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [2]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
Answer Link: [3]How do I make a request for information under the Freedom
of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Discussion Thread
Response 04/01/2017 12.32 PM
Dear Sir / Madam
We acknowledge your request for information received on 04/01/2017 12.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Dear Sir / Madam
We acknowledge your request for information received on 04/01/2017 12.32
PM
Your request has been forwarded to the appropriate team or service holding
the information and that team will respond to your request and contact you
where required.
If the information you are seeking exists, and we are not prevented from
releasing it by an exemption, the Council aim to provide you with the
information within 20 working days from receipt of your request.
Yours Sincerely
Enfield Council
Thank you for your question. Please take a look at these Answers from our
knowledge base that might answer your question.
The following answers might help you immediately. (Answers open in a
separate window.)
Answer Link: [4]Will I be able to obtain personal information under the
Freedom of Information Act 2000?
Answer Link: [5]How do I make a request for information under the Freedom
of Information Act 2000?
If no Answers are shown this means we do not currently have any
information regarding this subject matter within our knowledge base.
Question Reference No170104-000049
Subject : Your Council (Benefit,Registrars)
Subject Level 2: Freedom of Information
Date Created: 04/01/2017 12.32 PM
Last Updated: 04/01/2017 12.36 PM
Status: Solved
[---001:002376:47002---]
References
Visible links
2. http://enfield-council.custhelp.com/app/...
3. http://enfield-council.custhelp.com/app/...
4. http://enfield-council.custhelp.com/app/...
5. http://enfield-council.custhelp.com/app/...
I must apologise for the delay in responding to your original enquiry,
this was a an oversight on part. I have set out the responses to your
questions in red.
(1) Please provide the two most recent versions of the Statement of
Investment Principles (SIP) – Please see attached documents. It should be
noted that from 1^st April 2017 all LGPS will need to replace the current
SIP with an Investment Strategy Statement (ISS).
(2) Will the fund be reviewing its SIP documents to pursue best practice
and review carbon risk management and investment mandates in advance of
LGPS pooling? If so when? Yes as part of new Investment regulations which
come into force on 1^st April 2017.
(3) Please provide current contract and procurement documents for the
Investment Adviser(s) to the Pension Fund? Committee. I am awaiting a
response from our provider for permission to release the information, if
they agree I will forward the contract. They may however rely on the FOI
exemption 43.
(4) Please provide current procurement and contract documentation for the
external fund manager(s) as set out in investment management agreements I
am awaiting a response from our active equity global provider for
permission to release the information, if they agree I will forward the
contract. They r may however rely on the FOI exemption 43.
.
(5) Please provide a list of compliance breaches identified by the Head of
Finance/ s.151 officer and brought to the attention of the Pension Fund
Committee, during the last three (3) financial years. None
(6) What steps have the Pension Fund Committee and Board taken to address
the financial risks posed by climate change? Worked with the Local
Authority Pension Fund Forum and have attended AGMs to raise issues and
concerns we attachment showing Enfield’s activities in this area. Please
see the attached LAPFF Quarterly Engagement report – page 3 shows our
Pension Committee attending the Total AGM to raise issues.-.
(7) Since the December 2015 Paris COP agreement, Peabody bankruptcy, and
Exxon Mobil downgrade, has the pension fund changed its approach to
climate change risks and investment in carbon stocks? This matter is
actively under consideration and will work with the Local Pension Fund
Forum to develop our position
(8) Please provide Pension Fund Committee and Board meeting minutes where
climate change, and carbon bubble investment risk was discussed, and
minuted 2014 - 2016. Attached
(9) Have you surveyed or formally consulted with your individual members
or employers for their views on your ESG policies or practices in the last
10 years? No
(10) How much does the fund spend on ESG engagement services and can you
give any examples of engagement activities relating to climate
change/carbon risk from the last 10 years? Approx £8k pa through
membership of LAPFF
If you require any points of clarification do not hesitate to contact me.
Regards
Paul Reddaway
Head of Finance Pensions Investment.
London Borough of Enfield
PO Box 54 , Civic Centre
Silver Street
Enfield
EN1 3XF
E-mail: [1][email address]
Telephone: 020 8379 4730
Fax: 020 8379 4734
[2]2016_Award_Finalist_Graphic
[3]Campaign
[4]Facebook[5]Follow us on Facebook [6]Twitter[7]Twitter
[8]Enfield[9]http://www.enfield.gov.uk
This email has been scanned for viruses but we cannot guarantee that it
will be free of viruses or malware. The recipient should perform their own
virus checks.
References
Visible links
1. mailto:[email address]
3. http://new.enfield.gov.uk/connected
4. https://www.facebook.com/pages/Enfield-C...
5. https://www.facebook.com/pages/Enfield-C...
6. https://twitter.com/EnfieldCouncil
7. https://twitter.com/EnfieldCouncil
8. http://www.enfield.gov.uk/
9. http://www.enfield.gov.uk/
We work to defend the right to FOI for everyone
Help us protect your right to hold public authorities to account. Donate and support our work.
Donate Now