Employee Information Pack

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1 Employee Information Pack

2 Better way to Save, Better way to Borrow Contents S1 General Information 03 S2 Employee Benefit via Payroll Deduction 04 S3 Employee Payroll Handiloan Application S4 Member Application Form 09 S5 Payroll Deductions Mandate 10 S6 FPS Faster Payments Authorisation Form

3 Employee Information Pack General Information S1 What is a Credit Union? A credit union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, so operate to all the same high standards as all other financial institutions. It is a not-for-profit organisation which operates as a financial co-operative and offers services such as saving accounts and low-cost loans to its members. In a credit union, members pool their savings to lend to one another and may also help to run the credit union. As co-operatives, credit unions are founded on the values of self-help. Their top priority is to serve members interests. Credit unions are not driven to make money for external shareholders, but rather make decisions in the best interest of their members. What are the main benefits? Easy to join Low joining fee Secure savings Surplus profits are returned as dividends on savings accounts and reinvested in the development of services and products for the members Affordable loans which are easy to apply for Who can join? Anyone who lives or works in Tees Valley, Durham or North Yorkshire, or qualifies through one of our employer partners. What identification do you need to provide? We will require confirmation of your employment. We are also require by law to ask for sight of a recent and original (ie: not photocopied or scanned) item confirming your address and identity from the list below: Full UK driving licence or provisional UK driving licence with the counterpart. Bank statement, utility bill (not mobile phone), benefit statement or Inland Revenue tax notification. Valid EU passport (or other passport with a valid right to remain). How can you withdraw your money? By Faster Payment Service (FPS) to a nominated bank account. I ve already got a savings account with a bank or building society, why should I join? Some members make an ethical choice to save regularly with their local credit union, in addition to using savings accounts from high street banks and building societies. In this way, members are choosing to support their local community and their local economy by helping the credit union to establish a big pool of savings which can then be lent out to members who need a loan. Your money is safe and you could be earning a dividend. Generally speaking, if more local residents borrow money from their local credit union instead of using doorstep lenders, pawn brokers and pay-weekly stores, less interest is paid back. This means that residents have more money in their pockets to spend on things they need, benefiting them individually, plus the local and regional economy. Peace of mind One benefit of saving with Tees Credit Union is that your savings are covered by the Financial Services Compensation Scheme, (FSCS) which we pay into in order to protect our members savings. The FSCS can pay compensation to depositors if a credit union is unable to meet its financial obligations and all of our depositors are covered by the scheme. In respect of deposits, an eligible depositor is entitled to claim up to 85,000. The 85,000 limit is not for each separate account but, relates to the combined amount in all the eligible depositor s accounts with the credit union, including their share of any joint account. For further information about the scheme (including the amounts covered and eligibility to claim) please ask a member of staff, refer to the FSCS website or call How can you save? Direct through payroll ask your employer Standing Order Benefits paid in directly Cash or cheque at our office or one of our community collection points 03

4 Better way to Save, Better way to Borrow S2 Employee Benefit via Payroll Deduction Payroll Deduction offers many great benefits: Easy to join Savings are secure Pay into savings directly from your payroll, so you don t miss it We return surplus profits as an annual dividend. A loan service is also available Easy access to affordable loans No arrangement fees or early repayment fees Free death benefit cover on all our loans Joining Fee 3.00 Joining Fee (deducted from first payroll deduction) Loan Product Guide We have our Employee Payroll Handiloan for new members, or members without savings. Payroll Handiloan No minimum 1,000 maximum 3% per month 42.6% APR Maximum term 18 months. No Top ups before 3 months. Repayable through payroll deductions. Members must have an employment contract for length of loan. Typical example 1,000 x 18 months = repayment and total interest charge of Agree to have 80 (or more) deducted from your salary and the additional 7.29 would go into your savings. Our long-term regular savers can apply for a Loyalty Loan based on their savings. Larger loans are available All loans are subject to our lending criteria, and we reserve the right to refuse loans. All loans are assessed on your ability to repay, and we will verify all information through bank statements and pay slips, we may ask for further information to assist us in agreeing your loan, or may ask you to attend an interview to discuss. We may carry out credit searches as part of our assessment, and will rarely agree loans where we see that members are experiencing difficulty in repaying current debts, or if there has been previous insolvency including debt relief orders, bankruptcy or IVA s. You are obliged to continue saving whilst you repay your loan. You can apply for a loan Using the form in this pack for an Employee Payroll Handiloan Downloading a form from our website for a Loyalty Loan based on your savings By phoning to request our application forms Rapid decisions You will receive a decision within 2 working days on an Employee Payroll Handiloan. Loyalty Loans may take longer depending on the size of the loan. 04

5 Employee Information Pack Tees Credit Union Employee Payroll Handiloan Application Form S3 Thank you for choosing to apply for a loan from Tees Credit Union. So that we can assess your application we need you to complete this loan application in full. Please ANSWER EVERY QUESTION - this helps us to assess your loan thoroughly and as quickly as we can. Please be honest on the application form if you are not then we may refuse your application immediately and take further action. If you need any help completing the form let us know and we will do our best to assist. Please return completed forms together with all supporting documents to: Tees Credit Union Ltd, South Thornaby Community & Resource Centre, Havilland Road, Thornaby, Stockton on Tees, TS17 9JG. For your convenience we will accept applications scanned and ed to: What do you need to provide? One month s recent bank statement and payslip Confirmation of satisfaction of CCJ s or agreement with creditors Repayment methods Directly from your payroll Please turn over the page to start filling in the application form. Please use BLOCK CAPITALS. 05

6 Better way to Save, Better way to Borrow Member Details Title (please tick): Mr c Mrs c Ms c Miss c Other c (please specify) : Surname: Previous Surname: Forename(s): Marital Status: Single c Divorced c Cohabitating c Civil partnership c Married c Divorced c Sepeerated c Widow/Widower c Home address: Post Code: address: Number of dependants under 16: If less than 3 years please provide details of other addresses in the Time at current address: past three years on a separate sheet Owner Occupier c With family/friends c Privately rented c LA/HA rented c Household status: NFA c Other c (please specify) : Date of Birth: Age: National Insurance No.: Home Tel No: Mobile Tel No.: Employment Details Employer: Tel No.: Occupation: Employer s address: Post Code: Time with current employer: If less than 3 years please provide details of other employers in the past three years on a separate sheet. Loan Details Purpose of loan: Amount of loan required: MAXIMUM 1,000 Preferreed repayment period: MAXIMUM 18 MONTHS months 06

7 Employee Information Pack Income and Expenditure Details Please include all household income and expenditure Income item per week/month Expenditure item Salary/wages Applicant 1 Rent/mortgage Water Partner s Salary/wages Council tax Electricity/Gas per week/month Expenditure item per week/month Other (please specify) Life Insurance /Pension Home insurance Telephone/Mobile Groceries Car Loan Travel Clothes/Uniform/Shoes Maintenance Savings/investments Sky/Cable Child Minding Car Expenses Pocket Money School Meals Birthdays/Xmas Paper/magazines Drinks/Meals Out/Cigarettes Sub Total = Hobbies etc Other (please specify) TOTAL (A) Catalogues Credit / Store Cards Hire purchase Other loans TOTAL (B) Outstanding Outstanding Outstanding Outstanding Total Income Total Expenditure Surplus Income Weekly Monthly Be realistic with your estimates for expenditure and don t forget to include something for one-off items like birthdays and Christmas. You can also add to your credit union savings account to help you budget for them Previous credit history Please circle your answers Have you missed any payments in the last 12 months? Yes No Are you in arrears with any bills/rent/mortgage? Yes No Do you have any CCJs (County Court Judgements)? Yes No Have you been bankrupt or ever had an IVA or debt relief order? Yes No Are you currently an undischarged bankrupt or have you made arrangements with creditors? Yes No If you have answered yes to any of these questions please give full details here. We consider all circumstances, but you need to tell us about them. Yes No 07

8 Better way to Save, Better way to Borrow Formal Declaration A) I declare that the information on this form has been provided for the purpose of obtaining a loan. To the best of my knowledge and belief, all the statements are true and complete. I understand that the provision of false information is fraud and the credit union may take appropriate action if I am found to have deliberately provided false or misleading information. B) I understand that the loan agreement is a legal document and by signing it I promise to repay the loan in full. For the sake of all members defaulters are pursued for payment. C) I declare that I am / am not* an undischarged bankrupt. I declare that I will / will not* file for bankruptcy. Signed Applicant Signed: Print name: Date: Declaration of Good Health A Declaration of Good Health must be signed when a loan is applied for or a loan is increased. This is required as a condition of the Life Assurance associated with your loan. I confirm that I am currently in good health. Signed: Print name: Date: Details of any Medical Condition/Treatment: Partner s Declaration If you have declared your partner s income details as part of your overall income for this loan, your partner will need to sign below confirming agreement of their information to be used in considering the loan and its repayment. Signed: Print name: Date: Tees Credit Union Loan Arrears Policy If you are experiencing financial difficulties it is important that you contact us straight away. We will try to work with for your long-term financial wellbeing. As we lend our members money, if we are unable to obtain a suitable re-payment arrangement for any loan in arrears, it is our policy to pursue until the outstanding debt has been recovered in full. Our action to recover outstanding monies may include any or all the following: If you are in receipt of any Benefits we will make an application to the DWP to deduct monies from your Benefits. We will apply for a County Court Judgment, which may result in you finding it difficult to obtain further credit. We will instruct a debt collection company to recover monies on our behalf. Enforcement of the County Court Judgment will include: Attachment of Earnings We will ask the Court to consider deducting an amount from your earnings directly from your employer. Charging Order If you own your property we will register a Secured Charge against your interest. Warrant of Execution We will instruct the Court Bailiff to attend your address to seize and remove goods. Any costs incurred to recover the debt will be applied to the loan in accordance with the terms and conditions of the loan. Save, Borrow and Plan for a Bright New Tomorrow. Tees Credit Union will only ever recommend free, impartial debt advice to our members, and will always try to support members through financial crises. Research undertaken shows how fee-charging debt management companies can prove to be more of a barrier than a solution when it comes to getting yourself out of financial difficulties. The charges you may pay for setting up and running a debt management plan can actually prevent you from ever clearing your debts and becoming debt-free. Don t be alone - contact one of the organisations below for FREE confidential, impartial advice: Stockton & District Advice & Information Service (CAB) Christians Against Poverty Consumer Credit Counselling Service National Debt Advice Line Don t let the loan sharks bite! To report illegal money lenders in complete confidence contact the Illegal Money Lending Team on:

9 Employee Information Pack Tees Credit Union Member Application Form S4 Title (please tick): Mr c Mrs c Ms c Miss c Other c (please specify) : Surname: Previous Surname: Forename(s): Home address: Post Code: address: Date of Birth: Age: National Insurance No.: Home Tel No: Employer: Mobile Tel No.: Tel No.: Occupation: Employer s address: Post Code: I HEREBY APPLY FOR MEMBERSHIP OF AND AGREE TO ABIDE BY THE RULES OF TEES CREDIT UNION LTD AND DECLARE THAT THE INFORMATION GIVEN BY ME ON THIS FORM IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. Signed: Print name: Date: DESIGNATION OF BENIFICIARY (IN CASE OF DEATH) I... (your full name) being a member of Tees Credit Union Ltd., do hereby designate.... (name of person you would you like your money to go to) (relationship to you ) of (their address) as my beneficiary, to receive any monies due under the Life Insurance Terms and Savings plan of TEES CREDIT UNION LTD, providing that I have fulfilled the agreement of any outstanding loan. I hereby reserve the right to change the beneficiary herein. Signed: Print name: Date: Witness: Member No.: Date: In accordance with the principles of the Data Protection Act 1998 we will use your personal details for the purposes of managing your accounts with the credit union. Your personal details will be treated confidentially and will only be shared with other agencies for the purposes of credit referencing and debt recovery, to prevent crime or fraud, or where legally required to do so. We may use information for reporting to funders or those for whom we provide services, but such information will be anonymised and will not personally identify you. You have the right to see the information we hold about you, for which we may charge a fee. Unless you tell us otherwise we may contact you by , telephone, text or to your home address. 09

10 Better way to Save, Better way to Borrow S5 Tees Credit Union Payroll Deductions Mandate Name of employer: Name of employee: Membership No: Employees place of employment: Employees department: Payroll No: (Employees instructions for Payroll Department forwarded by Tees Credit Union Ltd) Please pay to the order of Tees Credit Union Ltd The amount of deducted from my *weekly/monthly salary until further notice. Quoting Reference Number: TCU/. /PD. /EM. (To be completed by credit union) This Payroll deductions Mandate cancels any previous instructions to pay Tees Credit Union Ltd. I understand that my employers are not responsible for, nor entitled to information concerning my account with Tees Credit Union Ltd, nor for any loan negotiations and repayments in the case of default. I agree to inform Tees Credit Union Ltd in writing of any alterations to the amount agreed to above as follows: Signature: Date: Please return this completed mandate to Tees Credit Union Ltd Thank You Office use only: Acceptance: Title: Date: 10

11 Employee Information Pack Tees Credit Union FPS Faster Payments Authorisation Form S6 Title (please tick): Mr c Mrs c Ms c Miss c Other c (please specify) : Surname: Forename(s): Home address: Post Code: address: Home Tel No: Bank PLC: Mobile Tel No.: Branch: Address: Post code: Account name: Account number: Sort code: I hereby authorise you to automatically transfer funds into my bank account when I contact you and instruct you to do so. I understand that upon receipt of this authorisation the verification questions and answers below will be used to verify all future requests for transfers. Signed: Date: Please write 3 questions below and the answers - when you telephone the office for a FPS withdrawal we will ask you a question and you should supply the answer as you have answered below. These questions can be anything you wish, eg first car, favourite food/colour, a memorable place, mothers maiden name etc Verification question 1: Answer 1: Verification question 2: Answer 2: Verification question 3: Answer 3: 11

12 South Thornaby Community & Resource Centre Havilland Road Thornaby TS17 9JG Tees Credit Union is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: South Thornaby Community & Resource Centre, Havilland Road, Thornaby, TS17 9JG Registered No: 343C/ Est: 17th May 1993 Affiliated to UK Credit Unions.

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