When we checked with survey respondents who they would turn to beyond this («if you had a problem with a school and felt that the headteacher had not resolved it, who would you complain to») despite nearly a third
of our survey respondents having a child at an academy school,
none identified the Education
Funding Agency as a body they would contact — even though the EFA is the organisation responsible for handling complaints about academies.
On the other hand, a HELOC, even though the home is still used as collateral, requires
none of that paperwork and does not require the homeowner to
identify the specific project or improvement with which the
funds will be used.