Decking has found favour in the garden in recent years. It is an excellent alternative to paving as it is durable, light and gives the garden a modern, contemporary feel. It can be built in almost any shape, colour and size, designed to suit personal tastes and budgets. It also enables a level seating area to be constructed in a sloping garden. Although it is possible to construct simple decks in your garden, seeking professional advice is recommended when constructing complicated designs or high, raised structures.
Which type of wood to use
Decking can be made out of either softwood or hardwood. The most popular type of timber used in the UK is softwood that has been pressure treated with a suitable preservative. Pressure treating involves deeply penetrating the wood with preservative by an industrial process that provides long-term protection against rotting and should last about 25 years. Standard components and decking boards are readily available in DIY stores, timber merchants and garden centres. Ready prepared decking kits are also available. Hardwood decking boards do not require pressure treatment.
Softwood suitable for decking
When using softwood, check that it has been pressure treated to avoid rotting. North American western red cedar: straight grained, few knots but a tendency to split and dent.
British spruce/European white wood: straight grained and few knots. Use for out of ground components only.
British pine/European redwood: clearly visible grain. Lower grades can have lots of knots.
British/North American Douglas fir: a prominent, wavy grain, the heartwood is naturally durable.
British/European larch: a prominent grain, sometimes knotty.
Southern pine: visible grain with few knots.
Hardwood suitable for decking
Hardwoods are generally more expensive, have a tighter grain and will not require pressure treatment with preservative because they have natural durability sufficient for decking applications. They can be more colourful than the beige colours of the pressuretreated softwood, although colour will fade when exposed to sunlight.
Teak: very durable with high strength, mid-brown.
Iroko: coarse grain, but not very visible, durable, brownish beige.
European oak: broad, straight to wavy grains, durable, pale beige.
Opepe: an insignificant grain but the wood can have an irregular coarse texture, very durable.
Jarrah: straight grain but not strongly marked dark brown.
Karri: stripped grain and very durable.
Balau: fine even texture, very durable and strong, beige.
Decking boards are usually available in sizes from 75mm wide to 150mm wide. Laying the wider boards is usually quicker because they cover a greater area. Each board, whether it is plain or grooved, should also have the edges rounded off to help any water to run off easily.
Site preparation
After working out the size and orientation of the deck, clear and prepare the site. Failure to do this properly will result in weeds growing up through the cracks between the boards and will look unsightly. Start by clearing the area of all vegetation and turf. Compact and level the ground leaving a gentle slope towards the outer edge of the deck to allow for drainage. Then lay a weed-suppressing membrane over the surface and cover with gravel. Now you are ready to begin.
Figure Out Your Grade
Some mortgage lenders say that the use the main credit reference systems (the ones you and I can check easily and cheaply) and a satisfactory reference will be the basis of their decision to lend. They then check with National Hunter to make sure it's not a potentially dishonest application.
As we said in our first part of this article, completely honest people could have an application turned down for totally innocent reasons. National Hunters consider an application to be “inconsistent” if there is a “clear discrepancy between information provided by the consumer and information found, or not able to be found or verified elsewhere.” This means that what you have told a lender may be totally honest but National Hunter is unable to verify it.
If your application is turned down and you query the rejection, you're likely to be sent a letter from the lender, which will be a standard one, and will refer you to the usual credit agencies. You'll not be informed about National Hunter and very few people have heard of them or what they actually do. They don't publicize their existence or even give a full address, beyond a PO Box number which belongs to an insignificant office on a back street in Stoke-on-Trent.
A spokesman for the company made the statement “Any member of the public who wishes to obtain details of information we hold about themselves as individuals can request them under Section 7 of the Data Protection Act.” They also admitted that it was sometimes not easy to know about their existence.
Apparently lenders using National Hunter's services are supposed to include certain elements within the declaration and fair processing part of application documents. The wording should give an indication of which fraud protection agencies are used and how to find this information. National Hunter says “Our members must ensure that this information is made readily available to the applicant and preferably by the means of a dedicated phone number. If you ask your bank, it has to tell you of our existence.”
They said that in their opinion, lenders should not base their decision on whether or not to lend on just one alert. Automated decisions are not allowed and they would be concerned if this was happening.
Concern has been expressed by the information commissioner who has responsibility for data protection issues, regarding the rejection of application solely on fraud grounds. He says that no database can be one hundred per cent foolproof.
We think that National Hunter could be more visible – something that they themselves accept. Clearly fraud and identity theft is of concern but open-ness in checking applications would surely lessen the number of mistakes which can cause problems for loan applicants.
Both Juliet S Sadler & Sheila Challiner are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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