LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

Transcription

1 LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm

2 Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject t, which lan prduct yu qualify fr and affrdability. Hwever, the maximum lan granted under any prduct will be 5000 Hw d I repay the lan? Thrugh yur bank by standing rder, payrll deductin frm yur emplyer (where available), direct payment f benefits (certain benefits nly), at the central ffice, yur lcal cllectin pint r at any PayPint utlet. What abut repayment perids? Lans may be repaid ver a perid f 3 mnths up t 5 years, depending n the amunt brrwed. Please indicate n yur applicatin yur preferred ptin, which will be subject t apprval. What abut insurance? The Credit Unin prvides members with life insurance n the utstanding lan balance at n additinal cst (cnditins apply). Are my savings used twards repayments n my lan? Only if yu fall behind n yur agreed lan repayments, if yu fall behind at any time then any savings yu have will autmatically be transferred t cver any arrears. Can I take ut anther lan befre the last lan is repaid? Yes in sme circumstances but each case will be lked at n an individual basis. Hw d I apply fr a lan? T apply fr a lan yu must be a member. If yu are nt a member, apply fr membership and a lan at the same time. All lans are assessed n yur ability t repay. Evidence f yur financial situatin will be required. A detailed analysis f yur incme and expenditure will be undertaken. Phne r visit ur registered ffice r ne f ur cmmunity pints acrss Swansea. PLEASE NOTE THAT IF ANY INFORMATION THAT IS REQUIRED IS NOT DECLARED OR FOUND TO BE INACCURATE THEN YOUR APPLICATION WILL AUTOMATICALLY BE DECLINED! What srt f evidence must I prvide? Please nte that insufficient r incmplete evidence may delay yur lan r may mean that we are unable t prcess it at all 1. Prf f yur incme: Yur last three mnths Bank, Building Sciety r Pst Office statements Yur last three wage slips Benefit letter frm relevant authrity shwing the amunt yu receive. (Please be aware that if yu are n benefits then yu may be required t pay a benefit int the Credit Unin) Mrtgage statement (if applicable, as this may qualify yu fr a cheaper interest rate) 2. Prf f utgings: Please prvide prf f all f yur utgings, the essentials that we need t see are: Up t date mrtgage / rent statement (if applicable) Cuncil tax card Recent water, gas and electricity receipts, bills r statements TV license plan Stre/credit card statement Catalgue payments card / bks, r cards frm ther lenders Any lans yu have at the time f the applicatin Payment f utility bills Details f any arrears and hw these are being repaid frm any cmpany that yu are in arrears with. Details f any Cunty Curt Judgments (CCJ S), bankruptcy r IVA (a credit check is part f the lan applicatin prcess) 3. Prf f ID Passprt Driving License (Pht Card) Birth Certificate Valid Bank Card

3 Please cmplete ALL relevant sectins. Items marked * MUST be cmpleted and yur lan applicatin will nt be prcessed withut the infrmatin as listed n the supprt dcumentatin list Sectin Persnal Details Membership Number: Title (please circle)*: Mr / Mrs / Ms / Miss / ther (please specify) First Name*: Middle: Surname: Date f Birth*: D D M M Y Y Y Y Age: N.I. Number*: Previus Name(s): Date f Change: D D M M Y Y Y Y Reasn fr Change: 2. Husehld Details (we require address infrmatin fr the last 3 years if yu require mre space please enter the details n Sectin 12 f this applicatin) Current Address*: Hme Phne N: Pst Cde*: - Mbile Phne N: Length f time at address*: Years: Mnths: Previus Address if less than 3 years Previus Address: Pst Cde: - Length f time at address: Years: Mnths: Is yur current hme*: Owner Mrtgage Owner Outright Cuncil Husing Assciatin Private Rented Living with Parents Living with Other Family / Friends If Cuncil r Husing Assciatin ticked, please specify which husing assciatin r cuncil: Number f Peple Living in Yur Husehld*: Adults Children (Under 18 dependent children nly) Age(s) f Dependent Children*:

4 3. Emplyment Details* Current Emplyment Status: Emplyed Full Time Emplyed Part Time Self Emplyed Unemplyed Sick / Disabled Retired Emplyer Name: Jb Title: Amunt f hurs per week: Emplyers Address: Emplyer Pst Cde: - Emplyer Telephne Number: Can we cntact yu here Yes N Length f time with Current Emplyer: Years Mnths Is this a Permanent Pst: Yes N If Temprary when des cntract end: D D M M Y Y Y Y When did yu start this pst: D D M M Y Y Y Y Y Y Previus Emplyment Details* Emplyer Name: Jb Title: Amunt f hurs per week: Emplyers Address: Emplyer Pst Cde: - Emplyer Telephne Number: Can we cntact yu here Yes N Length f time with Previus Emplyer: Years Mnths Was this a Permanent Pst: Yes N When did the pst end: D D M M Y Y Y Y When did yu start this pst: D D M M Y Y Y Y Y Any ther emplyment infrmatin:

5 4. Benefits Infrmatin Are yu currently in receipt f any f the fllwing benefits*: (please tick ALL that apply and enter the crrect amunts that yu receive) Tick: Benefit Weekly Frtnightly Mnthly 4 Weekly Attendance Allwance Carer's Allwance Child Benefit Child Tax Credit Cuncil Tax Benefit Disability Living Allwance excluding Mbility element Disability Living Allwance including Mbility element Emplyment Supprt Allwance (ESA) (frmerly incapacity benefit) Husing Benefit Incme Supprt Jb Seekers Allwance (JSA) Pensin Credit Widws Allwance Wrking Tax Credit Other Benefits (Please Specify Belw) Ttal Incme frm Benefits Please Nte: If yu receive benefits and yur applicatin is successful then: Yu wuld have t arrange fr a suitable benefit t be paid int the Credit Unin (if applicable) The Credit Unin wuld need t receive the first payment f yur benefits befre we release the lan amunt. We wuld need yur benefit reference number befre we release the lan amunt t ensure that we are receiving payments frm yu.

6 5. Financial Infrmatin* Incme* Yu Partner Ttal Mnthly Incme frm Emplyment: Ttal Mnthly Incme frm Benefits (excluding Husing and Cuncil Tax Benefits): Other Incme (please specify): General Expenditure* Ttal Mnthly Incme: Mnthly Payment Mnthly Payment Rent Bus Fare(s) Mrtgage Taxis Cuncil Tax Hme Insurance Water Rates Life Insurance Gas Savings and Pensins Electric Child Care Fees / Maintenance TV Licence Fines Grceries Charitable Dnatins Cleaning and Tiletries Club / Membership Fees Hme Telephne Clthing Mbile Telephne (1) Scial Mbile Telephne (2) Tbacc Satellite / Cable TV Alchl Petrl / Diesel Credit Agreements Car Maintenance Other (please specify) Car Insurance Credit Agreement(s) Expenditure* Ttal Mnthly General Expenditure: Cmpany Name Mnthly Repayment Balance Agreement Type Yu Partner Outstanding Persnal Lan 1 Persnal Lan 2 Secured Lan 1 Secured Lan 2 Car Finance Credit / Stre Card 1 Credit / Stre Card 2 Credit / Stre Card 3 Credit / Stre Card 4 Catalgue(s) / Mail Order 1 Catalgue(s) / Mail Order 2 Catalgue(s) / Mail Order 3 Catalgue(s) / Mail Order 4 Hme Credit 1 Hme Credit 2 Hme Credit 3 Scial Fund Ttal Mnthly Credit Agreement(s) Expenditure: Assets Prperty Savings Cnslidate Y/N

7 6. Previus Credit Histry* Please nte that by answering Yes t the any f the fllwing questins des nt autmatically mean that yu will nt be able t get a lan with LASA Credit Unin Ltd. Hwever, if yu have answered N t any f the abve and thrugh ur credit checking prcesses we find this t be untrue yur applicatin will be DECLINED! Have yu missed / been late with any repayments in the last 6 mnths? Yes* N Have yu ever defaulted n any credit agreement? Yes* N D yu r have yu ever had a lan frm a hme cllectin cmpany? Yes* N (prvident, shpacheck etc.) Are yu currently under r cnsidering taking ut a debt management plan? Yes* N D yu have any Cunty Curt Judgments (CCJ s) satisfied r unsatisfied? Yes* N Are yu a subject f a Debt Relief Order (DRO)? Yes* N Are yu in the prcess f taking ut a Debt Relief Order (DRO)? Yes* N Are yu seeking advice r in the prcess f becming bankrupt? Yes* N Have yu ever been declared bankrupt? Yes* N Are yu currently paying any debt cllectin services? Yes* N * If yu have answered yes t any f the abve, please prvide all infrmatin belw: (i.e. amunt paying each week/frtnight/mnth and the utstanding balance)

8 7. Lan Details* (Please Circle where applicable) Purpse f Lan: Amunt Requested: Lan Term (years): Repayment Frequency: Weekly Frtnightly 4 Weekly Mnthly Repayment Methd Payrll Standing Order Cash Benefits If applicable d yu cnsent t a benefit being paid int the Credit Unin? Yes N 8. Have yu Included ALL Required Dcuments? In rder fr us t prcess yur lan applicatin as efficiently as pssible, it is essential that yu prvide us with all the infrmatin requested in the frm and any supprting dcuments. Please use the fllwing checklist t assist yu: Sectin / Item(s) Required: Financial Infrmatin A recent (within last three mnths) Bank, Building Sciety r Pst Office Card Accunt Statement Financial Infrmatin A minimum f 3 mnths evidence fr ALL incme listed n the applicatin e.g. payslips, benefit ntices, bank statements shwing the depsits etc Financial Infrmatin A recent statement / payment card / statement shwing repayments and balance fr regular bills nt listed n the bank statement. Financial Infrmatin A recent statement / payment card / statement shwing repayments and balance any ther lans / credit accunts Lan Details All bills / credit settlement statements t be repaid if applying fr cnslidatin Persnal Details Prf f any change f name within the last 3 years Enclsed Yes N N/A 9. Equality and Diversity LASA Credit Unin prides itself f prviding services t all and wuld therefre request that yu cmplete the fllwing infrmatin t assist us in mnitring ur perfrmance: Are yu? Please circle: White British / White Irish / White Other / Mixed White & Other Backgrund /Asian r Asian British Indian / Asian r Asian British Pakistani /Asian r Asian British Bangladeshi / Black r Black British Caribbean / Black r Black British African / Black r Black British Other Backgrund / Chinese / Rmany / Gypsy / Traveller / Other 10. Data Prtectin Statement In accrdance with the principles f the Data Prtectin Act 1998, we will use yur persnal details fr the purpse f managing yur accunts with the Credit Unin. Yur persnal details will be treated cnfidentially and will nly be shared with ther agencies fr the purpses f credit referencing and debt recvery, fr which purpses we hld a Cnsumer Credit License. 11. Credit Referencing & Fraud Preventin Agencies We may make searches abut yu at credit reference agencies wh will supply us with credit infrmatin as well as infrmatin frm the Electral Register. The agencies will recrd details f any search whether r nt this applicatin precedes. Credit searches and ther infrmatin, which is prvided t us and/r the credit reference agencies abut yu and anyne with whm yu are linked financially, may be used by us in ur credit decisins. By signing this frm I am als aware that failure t repay my lan will incur additinal charges which I am liable fr and will als affect my Credit File r Credit Scre which culd affect any future applicatins fr credit with ther lenders.

9 12. Additinal Infrmatin If yu need t prvide any additinal infrmatin in supprt f yur applicatin, specifically in relatin t additinal address and previus credit histry, please prvide the details here. Page Number Sectin Number Infrmatin 13. Partners Declaratin If yu have declared yur partner s details as part f yur verall incme in applying fr this lan, yur partner will need t sign belw cnfirming agreement fr their infrmatin t be used in cnsidering the lan and its repayments. Partner s Name: Partner s Signature: 14. Declaratin I declare that I have read and understd the infrmatin in the lan applicatin - guidance ntes and n this frm. I als declare that the infrmatin that I have given n this frm is, t the best f my knwledge and belief, is accurate, and full infrmatin. I understand that the prvisin f false infrmatin is fraud and that the Credit Unin may take apprpriate actin if I am fund t have deliberately prvided false r misleading infrmatin. I am als liable fr any additinal charges in recvering the debt if I fail t make the required payments n my lan. Name (printed): Signed: Date:

10 Fr Office Use Only: Received On: By: Frm Checked & Dcuments as indicated cpied: Yes N Applicatin Type: Saver Lan: Handy Lan: Dcuments Check: All Lans: Prmtinal Lan: Prf f ID and address (nn / In-active members) Yes N All sectins f applicatin frm cmpleted: Yes N Applicatin frm signed by applicant (pg. 5) and where applicable by partner (pg.4) Yes N Bills / Statements fr all accunts t be cleared (cnslidatin nly) Yes N Handy lans, 1 st Saver Lans and Saver lans ver Prf f ALL incme listed n frm Yes N A minimum f three mnths bank / Pst Office accunt statements Yes N Prf f ther credit accunts being repaid Yes N Equifax Check Equifax search cmplete Yes N On Electral Rle Yes N Other Infrmatin n reprt e.g. CCJ s Yes N (Attach printut f reprt if yes) Additinal Infrmatin Date Methd f Cntact Cmments / Ntes Taken By