Thursday, 5 November 2026

When a Sportswear Logo Becomes a Religious Offence: What Libya's Nike Fatwa Tells Us About Faith, Freedom and the Future of the West

 An unusual religious ruling in Libya has reignited a much wider question: how should modern societies balance freedom of religion with the rights of individuals to live free from religious restrictions they do not share?

A pair of Nike trainers or a sweatshirt bearing the familiar swoosh might seem an unlikely source of religious controversy. Yet in Libya, one of the world's best-known sportswear brands has found itself at the centre of a dispute over Islamic teachings, ancient Greek mythology and the boundaries of religious authority.

Libya's Dar al-Ifta, an influential Islamic religious institution based in Tripoli, has issued a fatwa declaring that Muslims should refrain from buying, selling or wearing products displaying the Nike brand.  Read more (here).

The ruling, numbered 6697 and reported by Libyan media at the beginning of November, argues that Nike's name derives from the ancient Greek goddess of victory, while its swoosh logo was inspired by the goddess's wings.

According to the religious authorities, displaying these symbols risks promoting associations with polytheism, the belief in multiple gods, which conflicts with Islam's strict monotheistic teachings.

The institution also accused Nike of supporting Israel, linking its ruling to earlier calls for boycotts over the conflict in Gaza. This allegation should be distinguished from the separate theological argument about the logo.

The decision was endorsed by Libya's Grand Mufti, Sadiq al-Ghariani.

Importantly, the fatwa is a religious ruling rather than a law passed by the Libyan state. It does not establish a nationwide criminal prohibition, and no legal penalties for wearing Nike clothing have been announced.

Nevertheless, in societies where religious authorities exercise considerable influence, such pronouncements can shape behaviour even without formal legal enforcement.

And that is arguably the more interesting issue.

From religious guidance to social pressure

This is not the first time Libya's religious authorities have challenged internationally recognised brands.

In 2025, the Dar al-Ifta reportedly objected to jewellery produced by French luxury company Van Cleef & Arpels, arguing that its distinctive clover motif carried religious or symbolic associations incompatible with Islamic teachings.

These decisions raise questions about how far religious interpretation should extend into everyday commercial and cultural life.

For some believers, following religious guidance on clothing, food, finance and personal conduct is a legitimate expression of faith. Religious freedom must include the right to make such choices.

However, a distinction exists between an individual voluntarily deciding not to wear a particular brand and a religious authority encouraging an entire community to regard that brand as unacceptable.

The concern becomes more serious where people face intimidation, ostracism or other consequences for declining to follow such guidance.

In Libya, where political institutions remain fragmented following the overthrow of Muammar Gaddafi in 2011, religious pronouncements also take place against a backdrop of competing sources of authority.

The Nike controversy is therefore about more than sportswear. It highlights the potential influence of religious institutions over personal choices and the public sphere.

Why this matters beyond Libya

It would be misleading to suggest that a fatwa issued in Libya automatically has implications for Muslims living in Britain, France, Germany or elsewhere in Europe.

Muslim communities are not uniform in their religious beliefs, cultural traditions or attitudes towards the relationship between faith and government. Many Muslims support democratic institutions and regard religious observance as a personal matter.

Nevertheless, Western countries are experiencing demographic and cultural changes that make the relationship between religious identity and secular government an increasingly important subject for public discussion.

Research published by the Pew Research Center in 2017 examined possible changes in Europe's Muslim population through to 2050.

Using a range of migration scenarios, researchers estimated that Muslims, who accounted for approximately 4.9% of the population in the countries studied in 2016, could represent between 7.4% and 14% by 2050.

These were conditional projections rather than predictions of inevitable outcomes. They also do not tell us what future generations will believe or how they will vote.

But they illustrate why discussions about religious pluralism, integration and shared civic principles are unlikely to disappear.

As religious communities grow and become more established, it is natural that their members will seek representation, recognition and accommodation of their beliefs.

Most such requests are entirely compatible with democratic life.

The more difficult questions arise when particular interpretations of religious obligations appear to conflict with individual freedom, equality between men and women, freedom of expression or the authority of civil law.

The question of Sharia and one law for all

Britain already has experience of debating the relationship between Islamic religious practices and the national legal system.

In 2018, an independent review commissioned by the Home Office examined the operation of Sharia councils in England and Wales.

The review considered concerns about the treatment of women, particularly in religious divorce proceedings, and the possibility that some individuals might feel compelled to accept decisions that did not fully protect their rights under civil law.

This is an important distinction. Sharia is not a single, universally agreed legal code. Its interpretations differ widely, and many Muslims understand it primarily as a framework for personal religious conduct.

However, where religious institutions become involved in marriage, divorce, family disputes or other matters affecting legal rights, questions about consent, fairness and accountability cannot simply be dismissed as religious sensitivities.

A woman seeking a religious divorce, for example, should never be placed in a position where community expectations effectively deny her rights available under British law.

Nor should individuals feel unable to leave a faith, reject a religious ruling or pursue a different way of life because of pressure from relatives, community leaders or religious authorities.

The principle should be straightforward: everyone is free to practise their religion, but nobody should be compelled to live under another person's interpretation of it.

Britain's legal system already protects religious freedom while reserving legal authority to Parliament and the courts. Maintaining that distinction is essential.

Extremism and the danger of parallel authority

It is equally important to distinguish ordinary religious conservatism from political extremism.

Holding traditional beliefs, observing strict religious practices or expressing opposition to particular products does not, in itself, make somebody an extremist.

The concern arises when religious or political movements seek to deny others their fundamental freedoms, replace democratic institutions with authoritarian religious government, or enforce conformity through threats and coercion.

In its 2024 definition of extremism, the British Government specifically identified ideologies rooted in violence, hatred or intolerance that seek to undermine fundamental rights or parliamentary democracy.

The Government has also acknowledged Islamist extremism as a threat to social cohesion and national security, while making clear that Islamist movements do not represent British Muslims as a whole.

These distinctions matter.

A society that fails to recognise genuine extremist activity risks allowing intolerance to develop unchecked. But a society that treats an entire religious population as inherently suspect risks creating precisely the mistrust and division it should be trying to prevent.

One legitimate concern is the possibility of parallel sources of authority emerging within communities, where informal religious expectations become more influential over personal decisions than the rights guaranteed by national law.

Such pressures need not involve terrorism or organised political movements. They may arise through family expectations, social ostracism, restrictions on relationships or pressure to conform to conservative interpretations of religious rules.

The appropriate response is not to restrict religious freedom but to ensure that every individual can exercise that freedom independently.

Could Western societies become more divided?

Population growth alone does not establish that religious extremism will increase. Nor does it demonstrate that demands for religious law will become more widespread.

Those outcomes depend on political leadership, education, integration, economic opportunity, religious interpretation and the strength of democratic institutions.

Nevertheless, several potential sources of tension deserve serious consideration.

One is the increasing politicisation of religious identity. If citizens begin to regard themselves primarily as members of separate religious communities rather than participants in a shared civic society, disagreements over values can become more difficult to resolve.

Another is the possibility of religious accommodation becoming confused with religious obligation.

Allowing someone to wear religious clothing is an expression of liberty. Pressuring others to dress according to religious rules is a restriction on liberty.

Allowing voluntary religious mediation can be compatible with civil law. Permitting coercion or unequal treatment under the guise of religious authority is not.

Similar distinctions apply to education, freedom of speech, gender equality and the right to criticise or leave a religion.

These issues are not exclusive to Islam. Other religious and ideological movements have also attempted to extend their authority beyond willing followers.

However, concerns involving political Islam and strict interpretations of Sharia deserve examination on their own terms, particularly where there is evidence of attempts to subordinate individual rights or democratic institutions to religious doctrine.

Avoiding the subject for fear of causing offence would not serve either Muslim communities or wider society.

Indeed, some of those with the greatest interest in maintaining strong protections against religious coercion are Muslims who hold liberal, reformist or secular views, along with former Muslims who wish to live outside religious expectations.

A test of democratic confidence

The controversy surrounding Nike in Libya may seem distant from everyday life in Britain.

There is no evidence that this particular ruling will produce similar prohibitions in Western countries, and it would be wrong to portray such an outcome as inevitable.

Yet it offers a useful reminder of how differently societies can understand the relationship between religious authority and individual choice.

The long-term challenge for Western democracies is not the presence of Islam, or any other faith, within their borders. It is ensuring that religious diversity develops within a shared framework of equal citizenship.

That requires governments to defend freedom of worship and religious expression, while being equally willing to confront coercion, discrimination and attempts to undermine democratic rights.

It also requires the confidence to discuss Islamist extremism and the political ambitions of religious movements without confusing them with the beliefs of millions of ordinary Muslims.

One law for all must mean exactly that: equal protection, equal responsibility and equal freedom, regardless of faith.

The question raised by Libya's Nike fatwa is ultimately not whether people should be allowed to reject a sportswear brand on religious grounds. Of course they should.

It is whether the freedom to follow a religious ruling will always be matched by an equally protected freedom to ignore it.

That is a principle worth defending in any society, whatever its religious composition.

Monday, 2 November 2026

“Apologies Don't Pay Mortgages”: RAAC Homeowners Condemn Clackmannanshire Council's Stage 2 Response as Councillors' Apathy Deepens Crisis

RAAC homeowners and campaigners outside Kilncraigs ahead of crucial Council talks on 3 September 2026.

Support our campaign crowdfund  (click here)  Or donate direct to the UK RAAC Campaign Group using these details: SC: 20-29-24 ACCT No: 03355349  

Clackmannanshire Council admits failures in five complaint areas but offers no financial redress, leaving homeowners demanding accountability and independent scrutiny.

By Wilson Chowdhry, Chairman, UK RAAC Campaign Group

RAAC-affected homeowners in Tillicoultry have expressed deep disappointment with Clackmannanshire Council's Stage 2 complaint response, which acknowledges multiple failures but offers no additional financial redress to families facing continuing hardship.

The response, dated 20 October 2026, was issued by Lorraine Sanda, Depute Chief Executive and Director of Wellbeing, following a formal complaint submitted by the UK RAAC Campaign Group on 23 September.

The Council upheld one complaint and partially upheld four others, acknowledging shortcomings in its handling of deadlines, funding information, communication and commitments made to residents.

Yet its proposed remedies largely consist of apologies, clearer explanations and further written updates.

For homeowners who have endured prolonged displacement, mounting costs and uncertainty over their futures, this falls far short of what is needed.

Council admits failures in five of eight complaint areas

The Stage 2 investigation reached the following conclusions:

Complaint areaCouncil's finding
Additional financial assistancePartially upheld
Proposed £5,000 paymentNot upheld
January deadline suspensionUpheld
VAT on remedial worksNot upheld
Render fundingPartially upheld
Scottish Government engagementNot upheld
September meeting actionsPartially upheld
Communication and transparencyPartially upheld

These findings confirm that homeowners' concerns about the Council's administration were far from unfounded.

However, the remedies offered do little to address the practical and financial consequences of the shortcomings identified.

The suspended deadline: Council admits homeowners were misled

Perhaps the most significant finding concerns the written instruction issued on 12 January 2026 by Andrew Buchanan, then Interim Senior Manager Housing:

“Please consider the deadline as suspended with further information to follow as soon as we have it.”

At the high-level meeting on 3 September, homeowners were subsequently informed that Mr Buchanan lacked the authority to suspend that deadline.

The Stage 2 investigation upheld this complaint, explicitly acknowledging:

“Homeowners were entitled to understand the written communication as confirmation of suspension.”

It also accepted that the communication created a reasonable expectation that the deadline would not be enforced while further work was completed.

Yet despite apologising, the Council concluded that the communication did not establish entitlement to reimbursement of consequential costs.

This is precisely where the Council's response fails homeowners.

Residents reasonably relied upon a written assurance from a senior officer. During the resulting uncertainty, mortgages, insurance and other costs continued.

The Council has not provided an individual assessment of whether its admitted communication failure caused avoidable financial losses.

If residents suffered additional costs because they relied on the Council's instructions, those consequences deserve proper investigation rather than dismissal.

The £5,000 controversy: Council expenditure is not homeowner compensation

The Council states that approximately £5,000 to £6,000 per owner was spent on emergency arrangements, including removals, storage, security, inspections and valuations.

It argues that this expenditure was not an approved additional cash payment.

However, that does not address the separate discussion at the September meeting, when homeowners indicated that an additional £5,000 payment could potentially help achieve a resolution.

Nor should expenditure incurred by the Council be confused with financial assistance received by individual homeowners.

Several homeowners received no direct benefit from Council-provided storage or temporary accommodation, having made their own arrangements.

It is misleading to present these costs as financial assistance benefiting every homeowner, particularly when some received neither service while continuing to shoulder their own financial burdens.

The Council itself acknowledges that its expenditure does not reimburse wider personal losses.

Additional funding: where is the evidence?

The Council partially upheld the complaint concerning additional financial assistance.

It confirms that Kevin Wells discussed potential funding with the Chief Finance Officer, but says no available budget was identified because of financial pressures and the continuing deficit.

However, homeowners had requested a detailed account of the wider funding exercise discussed at the September meeting in the presence of Council Leader Ellen Forson.

The response does not identify which departmental budgets were examined, when discussions occurred, who participated or which alternatives were ruled out.

The campaign recognises the Council's financial constraints, but a claim that no funding is available should be supported by transparent evidence of what was investigated.

VAT: homeowners still cannot establish their actual repair costs

The Council rejected the VAT complaint despite acknowledging that the final rate depends on qualifying circumstances, the work undertaken and contractual arrangements.

Its estimates assume the maximum potential VAT rate of 20%, while homeowners are advised to make their own enquiries with HMRC or a VAT specialist.

That is an unsatisfactory position for residents facing potentially substantial repair bills.

The campaign has highlighted HMRC provisions under which certain qualifying works to residential properties unoccupied for at least two years may attract a reduced 5% rate, subject to the relevant conditions.

We are not claiming that all RAAC remedial works automatically qualify.

However, the potential difference is financially significant and warrants proper investigation.

The Council should coordinate with its contractor and appropriate tax specialists to establish which elements of the roof and render works attract which VAT rates, what evidence is required and how any reduction would be reflected in homeowners' final costs.

Homeowners should not be expected to make binding financial decisions based solely on worst-case estimates when the actual VAT treatment remains unresolved.

Render funding: homeowners deserve a proper account

The Council partially upheld the complaint concerning render funding, acknowledging that its earlier explanation failed to distinguish adequately between external grants, Housing Revenue Account restrictions and other Council budgets.

However, its response provides no comprehensive record of which external funding schemes were investigated, which organisations were approached or why particular options were rejected.

Instead, it suggests homeowners may independently identify funding sources unknown to the Council.

Residents already dealing with a serious housing crisis should not be left to investigate every potential grant themselves.

The Council should provide a clear record of the funding avenues explored and any options that remain available.

Scottish Government engagement: activity is not the same as results

The Council rejected this complaint, citing regular engagement with the Scottish Government, COSLA, housing bodies and cross-sector working groups.

The campaign acknowledges that discussions and representations have taken place.

However, the response identifies no new financial support secured for affected private homeowners.

Homeowners are entitled to know what tangible progress has resulted, what proposals remain under consideration and what further pressure is being applied for a national support solution.

The Council cannot control Scottish Government funding decisions, but it can demonstrate sustained advocacy and transparent reporting.

September meeting: commitments must be followed through

The Council partially upheld the complaint concerning actions arising from the high-level meeting on 3 September.

Although officers had progressed individual matters, the investigation acknowledged that homeowners had not received a consolidated action log.

That omission made it difficult to establish which commitments had been completed, who was responsible and what remained outstanding.

The Council has now directed that a consolidated written update be provided.

But why did it take a formal complaint to secure such a basic accountability measure?

The Stage 2 response also provides no specific completion dates for its six required remedial actions.

Promises without clear deadlines risk becoming further delays.

Communication and transparency: an apology is not enough

The Council also partially upheld the wider complaint about communication, acknowledging confusion surrounding the suspended deadline, the £5,000 figure, VAT, render funding and discussions with the Chief Finance Officer.

It apologised and promised clearer, more structured updates.

While improved communication is necessary, these problems cannot all be dismissed as failures to explain decisions properly.

Some raise deeper questions about authorisation, governance, financial accountability and the Council's handling of commitments made to residents.

The campaign believes those issues require more than improved correspondence.

Homeowners continue to bear the financial burden

Behind these findings are families whose lives have been disrupted since RAAC was identified in 2023.

Some have been unable to occupy their homes while continuing to meet mortgage payments, insurance premiums and other financial commitments.

They face difficult choices between voluntary acquisition and potentially expensive remedial works, without all the financial information needed to assess those options confidently.

The Council has acknowledged significant practical, emotional and financial pressures, but its Stage 2 response offers no additional financial redress.

The campaign is not suggesting that every cost incurred by homeowners is automatically the Council's responsibility.

However, where the Council has admitted failures, it should examine whether those failures caused identifiable, avoidable losses and consider appropriate remedies.

That is a reasonable expectation of public accountability.

Where is the political leadership? Councillors must do more

The Council's administrative failings are only part of the concern.

Homeowners attended the 3 September meeting alongside Council Leader Councillor Ellen Forson, Councillors Jane McTaggart and William Keough, MP Brian Leishman and senior Council officers.

They expected meaningful progress and political leadership.

Instead, the Council's own investigation has confirmed shortcomings in how actions from that meeting were communicated.

Questions must now be asked about what elected councillors have done to ensure commitments are delivered.

Have they challenged delays? Have they demanded proper financial assessments? Have they pressed for further assistance and held senior officers accountable for admitted failures?

The apparent lack of urgency is particularly troubling following Councillor Denis Coyne's four-word response to correspondence concerning the formal complaint:

“Is this a joke?”

Councillor Coyne should be given the opportunity to explain what he meant.

Nevertheless, the apparent dismissiveness of those words has understandably caused concern among homeowners facing serious financial and emotional pressures.

What exactly was the joke?

Was it the mortgages and insurance bills continuing on homes people cannot occupy?

Was it the unresolved VAT question or the Council's admitted failures?

Or was he referring to something else?

Homeowners deserve an explanation.

The campaign recognises that elected representatives have attended meetings and engaged with residents. However, political leadership must be measured by meaningful action, not simply attendance.

Councillors should be actively scrutinising the Council's response, pressing the Scottish Government for assistance and ensuring that homeowners' concerns receive the urgency they deserve.

What happens next? Independent scrutiny and meaningful remedies

With the Council's Stage 2 procedure concluded, the UK RAAC Campaign Group is now preparing a formal complaint to the Scottish Public Services Ombudsman (SPSO).

The campaign will seek independent scrutiny of the Council's handling of the crisis, the adequacy of its investigation and whether its proposed remedies properly address the administrative failures identified.

We are also calling for:

  1. Financial accountability: An examination of whether the Council's admitted failures, particularly the suspended deadline communication, caused avoidable losses.

  2. Transparent funding decisions: Documentary evidence of the Council budgets, grants and alternative financial assistance options considered.

  3. Clear VAT information: An itemised explanation of the VAT treatment applicable to remedial works, coordinated with the contractor and appropriate specialists.

  4. Render funding transparency: A detailed account of external funding enquiries and the restrictions affecting available options.

  5. Delivery of September commitments: A consolidated action log with named responsibilities, progress updates and firm completion dates.

  6. Political accountability: Stronger intervention by elected councillors, including an explanation of Councillor Coyne's remarks and demonstrable efforts to secure a fair resolution.

The SPSO will independently determine which matters fall within its remit and what remedies, if any, are appropriate.

Wilson Chowdhry: “These families deserve justice, not another apology”

Wilson Chowdhry, Chairman of the UK RAAC Campaign Group, said:

“The Council has admitted failures in five of the eight areas we complained about, including misleading homeowners over a suspended deadline. Yet it has offered no financial redress or proper assessment of whether its mistakes caused avoidable losses.

Apologies don't pay mortgages, insurance bills or put roofs over people's heads.

I am particularly concerned that the Council points to thousands of pounds in its own expenditure when some homeowners received neither temporary accommodation nor storage assistance. That spending cannot be treated as compensation for their personal hardship.

We also remain without definitive VAT figures, full transparency over funding enquiries or clear evidence that commitments made at the September meeting have been delivered.

I am equally disappointed by the apparent apathy of some elected councillors. Families are struggling with their homes and financial futures, yet one councillor responds, ‘Is this a joke?’ I ask Councillor Coyne: what exactly is funny about this situation?

We recognise that the Council faces financial pressures, but those pressures do not excuse poor administration or remove the need to investigate the consequences of its failures.

We are now preparing a formal complaint to the Scottish Public Services Ombudsman because these families deserve independent scrutiny, genuine accountability and a fair resolution.

These homeowners did not cause the RAAC crisis, yet they continue to carry its financial burden. They deserve justice, not another apology.”

Wilson Chowdhry
Chairman, UK RAAC Campaign Group

The UK RAAC Campaign Group continues to campaign for fair treatment, transparent decision-making and meaningful support for homeowners affected by reinforced autoclaved aerated concrete across the United Kingdom.

Support our campaign: UK RAAC Campaign Group Crowdfund

This article is a campaign response to Clackmannanshire Council's Stage 2 decision of 20 October 2026. The Council's findings are distinguished from the campaign group's opinions and outstanding questions. Councillor Coyne and the Council's elected leadership should have the opportunity to respond to the criticisms raised.

resolution.


The RAAC crisis is not just about concrete—it is about accountability.

And we are far from finished.

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Sunday, 1 November 2026

Text from Stage 2 Response to RAAC Concerns

 

We

 

Dear Mr Chowdhry,

 

Thank you for your complaint dated 23 September 2026 concerning private homeowners affected by reinforced autoclaved aerated concrete (RAAC) in Tillicoultry.

 

I have investigated your complaint at Stage 2 of the Council’s Complaints Handling Procedure. I considered the complaint correspondence, Council reports of November 2023 and June 2025, the latest officer briefing, relevant correspondence and further information provided by officers.

 

I recognise the exceptional and prolonged effect this situation has had on affected owners. The loss of the use of a home, continuing financial commitments and uncertainty have caused significant practical, financial and emotional pressure.

 

Background

 

RAAC was identified in Council housing assets in autumn 2023. Three mixed-tenure blocks containing 30 properties were evacuated after the structural engineer assessed the RAAC roof panels as critical. The Council owns 19 flats and 11 are privately owned. A further 72 properties in seven blocks contain RAAC assessed as suitable for management and monitoring.

 

Since evacuation, the Council has incurred costs for temporary accommodation, recovery and storage of belongings, security, inspections and continuing management. The November 2023 report confirmed there was no allocated RAAC budget and no indication then that government financial assistance would be available.

 

The Council undertook a technical options appraisal. In June 2025, Council approved progression of roof replacement options and authorised voluntary acquisition negotiations. Owners may pursue voluntary sale to the Council or participate in repairs and meet their appropriate share of costs.

 

1. Review of Additional Financial Assistance

 

Issue raised. You state that a commitment was made to consider funding from elsewhere within the Council, but no substantive account was provided.

 

 

 

 

 

Investigation findings

 

Kevin Wells raised the issue directly with the Chief Finance Officer and considered whether funding could be identified outside Housing. No available budget was identified because of considerable pressures across all Council services and the continuing budget deficit. The possibility was considered, but no lawful and financially sustainable source for additional payments was found. The Council has also absorbed removal, storage, security, inspection, management and valuation costs, estimated at approximately £5,000 to £6,000 per owner. This is absorbed expenditure, not an additional cash payment.

 

Decision and reasons

 

Finding: Partially upheld


Senior financial consideration took place, but the outcome was not communicated sufficiently clearly or promptly.

 

2. The £5,000 Figure and Additional Support

 

Issue raised. You question whether a proposed £5,000 payment reflects continuing mortgage, insurance and other costs.

 

Investigation findings

 

The evidence does not establish that the Council approved or offered an additional £5,000 cash payment. The figure arose from sundry expenditure absorbed by the Council. Support also included RICS valuations, recovery and storage of belongings, housing assistance where owners presented as homeless, a legal-cost contribution, staged payment arrangements and consideration of Council financing. These steps do not reimburse wider personal losses, but no further Council funding source was identified.

 

Decision and reasons

 

Finding: Not upheld


The £5,000 figure was not an approved cash payment. Future correspondence should distinguish absorbed expenditure, assistance and direct payments.

 

3. Communication of 12 January 2026

 

Issue raised. You raise concerns about advice that a deadline should be considered suspended and a later indication that the officer lacked authority.

 

Investigation findings

Homeowners were entitled to understand the written communication as confirmation of suspension. The wording should have been authorised before issue or expressed as pending approval. Any contrary management view should have been clarified promptly. The communication created a reasonable expectation that the deadline would not be enforced while further work was completed, although it did not establish entitlement to consequential-cost reimbursement.

 

Decision and reasons

 

Finding: Upheld


The communication was insufficiently clear and was not corrected promptly enough. I apologise. Future deadline communications must state approval status and required action.

 

 

4. VAT on Remedial Works

 

Issue raised. You state that owners cannot make an informed choice without confirmed VAT treatment.

 

Investigation findings

 

The Council sought specialist advice, but a definitive rate could not be confirmed because treatment depends on qualifying circumstances, the work and contractual arrangements. Figures used the maximum potential rate of 20% to show the highest exposure. The provider must apply the proper treatment, and confirmed relief or reduction should be reflected in the owner’s final amount.

 

Decision and reasons

 

Finding: Not upheld


The Council sought advice and disclosed the maximum exposure. Each owner must make their own enquiries with HMRC or a VAT specialist if they believe they qualify for a reduction in the VAT position to recover these costs.  This is not an action that the Council can take. The complexity of VAT was relayed again at the 3rd September meeting . 

 

5. Funding for Render Works

 

Issue raised. You challenge the statement that no grant or other funding is available for render works.

 

Investigation findings

 

Rendering was considered within the building-fabric option. HRA funding may be used for Council housing stock, but legislative and financial restrictions apply to funding costs attributable to private owners or landlords. The Chief Finance Officer discussion identified no other available Council budget because of significant pressures and the ongoing deficit.

 

Individual owners are able to seek out any other potential funding sources independently from the Council, which may not be known or available to the Council.

 

Decision and reasons

.

Finding: Partially upheld


The position was considered, but the explanation did not clearly distinguish external grants, HRA restrictions, the Council’s own share and wider budget consideration.

 

6. Engagement with the Scottish Government

 

Issue raised. You seek greater transparency about engagement and attempts to secure support.

 

Investigation findings

 

Council reports record regular updates to the Scottish Government, Scottish Housing Regulator, COSLA and ALACHO, involvement in the cross-sector working group, advocacy for a national support fund, and continued participation and information-sharing.

 

Decision and reasons

 

Finding: Not upheld


The evidence demonstrates sustained national engagement. Owners should be informed when it produces a material change.

 

 

 

7. Actions Following the September 2026 Meeting

 

Issue raised. You state that actions and timescales were not delivered or reported clearly.

 

Investigation findings

 

Officers issued property-specific information on sale and repair options, valuations, costs, legal contribution, Heads of Terms, maximum VAT, financing and individual meetings. Staged payments were offered. Additional support was discussed with the Chief Finance Officer, but no budget was available. The evidence does not show that owners received one consolidated action log.

 

Decision and reasons

 

Finding: Partially upheld


Substantive actions progressed, but separate communications made overall progress harder to follow.

 

8. Communication and Transparency

 

Issue raised. You say important information was not sufficiently clear or timely

 

Investigation findings

 

There was substantial engagement through letters, calls, texts, meetings, appointments, a webpage, valuations and financial information. However, ambiguity around the January deadline, £5,000 figure, VAT, render funding and the Chief Finance Officer discussion contributed to uncertainty.

 

Decision and reasons

 

Finding: Partially upheld


The Council engaged regularly, but important information was not brought together or explained with sufficient clarity. I apologise.

 

Overall Findings

 

Complaint area

Finding

Required action / remedy

Other Council budgets

Partially upheld

Communicate CFO review outcome.

£5,000 payment

Not upheld

Clarify absorbed expenditure.

12 January communication

Upheld

Apology and stronger approvals.

VAT

Not upheld

Provide final VAT breakdown.

Render funding

Partially upheld

Explain funding restrictions.

Government engagement

Not upheld

Continue material updates.

September actions

Partially upheld

Issue consolidated action summary.

Communication

Partially upheld

Use one structured update route.

 

Required Actions

 

1.     Provide a consolidated written update on actions arising from the September meeting.

2.     Explain that the Chief Finance Officer was consulted but no available Council budget was identified because of constraints across all budgets and the ongoing deficit.

3.     Clarify that £5,000 to £6,000 is expenditure absorbed by the Council, not an approved cash payment.

4.     Explain HRA and other restrictions affecting private render costs.

5.     Ensure future communications identify whether deadlines and financial proposals are approved or subject to authority.

6.     Provide a single point of contact for the two options and associated financial information.

 

Conclusion

 

I recognise that this outcome will not resolve all financial concerns. The Council must act within its legal powers, protect the Housing Revenue Account and take account of significant pressures across all services.

 

The investigation found that potential additional assistance was explored, including direct discussion with the Chief Finance Officer, but no available budget was identified. The Council also engaged with government, appraised options, commissioned valuations, developed voluntary purchase and repair routes, absorbed significant costs and worked with owners individually.

 

There were shortcomings in communication, particularly the January 2026 deadline communication and the absence of a clear consolidated update. I apologise for those shortcomings.

 

Yours sincerely

Lorraine Sanda

Depute Chief Executive and Director of Wellbeing


 

We have investigated your complaint, the results of which are set out above.   The complaint was investigated in line with Stage 2 of the Council's Corporate Complaints Policy. https://www.clacks.gov.uk/council/commentsandcomplaints

 

The above response now concludes the Council’s response to your Stage 2 complaint. If you remain unhappy with the outcome you can contact the Scottish Public Services Ombudsman, should you wish to escalate your complaint further.

 

 

 

 

Information about the SPSO

 

The Scottish Public Services Ombudsman (SPSO) is the final stage for complaints about public services in Scotland.  This includes complaints about local councils and the NHS in Scotland.  If you remain dissatisfied when you have had a final response from Clackmannanshire Council, you can ask the SPSO to look at your complaint.  The SPSO cannot normally look at complaints:

 

Ø   where you have not gone all the way through the council’s complaints handling procedure

Ø   more than 12 months after you became aware of the matter you want to complain about,

OR

Ø   that have been or are being considered in court.

 

The SPSO’s contact details are:

 

 

SPSO

Bridgeside House

99 McDonald Road

Edinburgh

EH7 4NS

FREEPOST SPSO

 

Freephone:      0800 377 7330

Online Contact: www.spso.org.uk/contact-us

Website: www.spso.org.uk

 

 

 

Tuesday, 29 September 2026

“Is This a Joke?” — RAAC Homeowners’ Distress Deepens After Councillor’s Four-Word Response


Support our campaign crowdfund  (click here)  Or donate direct to the UK RAAC Campaign Group using these details: SC: 20-29-24 ACCT No: 03355349  

By Wilson Chowdhry, Chairman, UK RAAC Campaign Group

For RAAC-affected homeowners in Tillicoultry, the latest response to their formal complaint has added another layer of frustration and distress to a situation that has already dragged on for far too long.

After months of uncertainty over their homes, finances, VAT, remedial works and possible financial assistance, homeowners finally submitted a detailed formal complaint to Clackmannanshire Council.

The complaint was not frivolous. It set out serious questions about the Council’s handling of the crisis, including what happened after homeowners were told in writing that a deadline had been suspended; what efforts have actually been made to find additional funding; the unresolved VAT position; funding for render works; and actions apparently still outstanding following the high-level meeting on 3 September.

Against that background, the response received from Councillor Denis Coyne was extraordinary.

His email contained just four words:

“Is this a joke?”

For homeowners who have spent months trying to obtain answers about matters affecting their homes and financial futures, those words have caused understandable upset.

The Council itself considers the complaint serious enough for Stage 2

The contrast with the Council administration’s own response could hardly be greater.

In an internal email following submission of the complaint, Director of Place and Economy Kevin Wells asked for it to be formally logged and wrote that, “Given the nature and extent of it I believe that it will need to be a stage 2.”

Mr Wells also said that he did not believe it would be right for him personally to lead the investigation.

The Council subsequently confirmed that the complaint would be escalated directly to Stage 2 – Investigation, citing the complexity and/or seriousness of the issues.

That is entirely consistent with Clackmannanshire Council’s published procedure. Stage 1 has a five-working-day target, but complaints that clearly require investigation can go directly to Stage 2, where the investigation should ordinarily be completed within 20 working days. Clacks

So it is important to be precise: this is not simply a five-day deadline that the Council has arbitrarily extended by another 20 days. Stage 2 is a different investigative process with its own 20-working-day timescale. The Scottish Public Services Ombudsman’s model procedure likewise provides for five working days at frontline response and 20 working days at investigation stage. SPSO

But that procedural explanation is unlikely to make the additional wait feel any less painful to homeowners.

They have already been waiting for answers long before this formal complaint was lodged.

Twenty more working days for answers homeowners say should already exist

The Council has now indicated that it intends to respond by 21 October 2026.

The Stage 2 acknowledgement is at least comprehensive. It recognises concerns over the 3 September actions, additional financial assistance, the proposed £5,000 payment, the January communication suspending the deadline, VAT, render funding, engagement with the Scottish Government and accountability for missed commitments.

The frustration is that many of these are not new questions.

The original complaint records homeowners being told in January that a deadline was suspended and that further information would follow. It also records the subsequent position conveyed at the September meeting that the officer concerned did not have authority to suspend that deadline. Pasted markdown

Meanwhile, homeowners say the bills have continued.

Mortgages have continued. Insurance has continued. For some, the financial burden has continued despite being unable to occupy their properties. Pasted markdown

That is why another formal process and another period of waiting can feel very different from the neat boxes and deadlines appearing in a complaints procedure.

“Is this a joke?”

It is in that context that Councillor Coyne’s response is likely to cause particular hurt.

There is no need to speculate about what he intended by those words. He should be given the opportunity to explain that himself.

But homeowners are also entitled to ask a simple question:

What exactly was the joke?

Was it the complaint about homeowners continuing to pay mortgages and insurance?

Was it the unresolved VAT question?

Was it asking what happened to commitments made at a meeting attended by the Council Leader and senior officers?

Was it asking why residents who received a written instruction saying a deadline was suspended were subsequently told the officer did not possess the authority to suspend it?

Or was Councillor Coyne referring to something else entirely?

He should explain.

Wilson Chowdhry: “These are people’s homes, not a punchline”

Wilson Chowdhry, Chairman of the UK RAAC Campaign Group, said:

“I cannot adequately express how upsetting it is to see a formal complaint about families’ homes and financial futures met with the words, ‘Is this a joke?’

There is nothing funny about paying a mortgage on a home you cannot live in. There is nothing funny about watching insurance and other costs continue while you wait for answers. There is nothing funny about being asked to contemplate substantial building works when you still cannot obtain a definitive answer about what VAT you will pay.

These homeowners have been pushed from pillar to post for months. They have attended meetings, written emails, asked questions, waited for promised information and tried repeatedly to engage constructively. Eventually we reached the point where we felt compelled to submit a formal complaint.

Kevin Wells himself recognised immediately that, because of its nature and extent, this appeared to require a Stage 2 investigation. The Council has subsequently acknowledged the complexity and seriousness of the issues. Against that backdrop, receiving ‘Is this a joke?’ from an elected councillor is deeply upsetting.

I am not going to put words into Councillor Coyne’s mouth. I want him to explain what he meant. I want him to explain it to the homeowners whose lives have been consumed by this situation.

Every new delay, every unanswered question and every dismissive-looking response adds to the feeling among these families that they simply are not being heard. These are people’s homes, their savings, their mortgages and their futures. They are not a punchline.

I have already begun compiling a much fuller record of what has happened, including the handling of this complaint and the responses received. If homeowners remain dissatisfied once the Council’s complaints procedure has concluded, that evidence can form part of any complaint they decide to take to the Scottish Public Services Ombudsman.

Homeowners are not asking for favours. They are asking public officials to answer legitimate questions, honour commitments and treat people who are already under enormous strain with dignity and seriousness.”

A record is now being built

The UK RAAC Campaign Group will therefore retain the correspondence surrounding the complaint, including the acknowledgement, Stage 2 escalation and Councillor Coyne’s response, as part of the documentary record.

That is important because the Council’s own published procedure confirms that, after receiving the Council’s final decision, a complainant who remains dissatisfied can ask the Scottish Public Services Ombudsman to consider the matter. Clacks

The SPSO similarly advises that people will normally need to complete the organisation’s complaints procedure before bringing the complaint to the Ombudsman. SPSO

No one should prejudge what the Stage 2 investigation will conclude.

But homeowners can reasonably expect that investigation to deal substantively with the questions now formally recorded — and not simply repeat general assurances that have failed to resolve them before.

For people who have already endured months of uncertainty, 21 October cannot simply become another date on which they are told to wait again.

They need answers.

And after the response “Is this a joke?”, they also deserve an explanation of precisely what Councillor Coyne meant.

Together, we continue to stand with RAAC families and campaign for a fair resolution.


The RAAC crisis is not just about concrete—it is about accountability.

And we are far from finished.

JOIN OUR 'UK RAAC CAMPAIGN GROUP' FB PAGE (HERE)

PLEASE SIGN OUR PETITION  (CLICK HERE), 

📧 Email: wilson@aasecurity.co.uk
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