Savings account Why have a bank account? Can I open a bank account? contractual capacity

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Savings account Why have a bank account? Can I open a bank account? contractual capacity"

Transcription

1 Bank accounts This factsheet is an introduction to bank accounts. This information is relevant to England. What is a bank account? Why have a bank account? Can I open a bank account? Can I have a joint account with someone else? What proof of identity do I need to open a bank account? What happens if I don't have the right proof of identity to open a bank account? What happens if my signature is always different? Can people who receive direct payments get any help opening a bank account? When is a Power of Attorney a suitable option? What if the bank refuses to open an account? Is the law likely to change in the future? What is a bank account? Banks are secure places which can be used to look after your money. A record of your money is kept in an account and you will receive a statement or pass book showing details of how much money you have paid in and taken out. Bank accounts come in various forms. The two main types of bank accounts are: Current accounts (including basic bank accounts) Savings accounts Basic bank account The majority of banks offer a basic bank account. This is designed to be easy to use and understand. It does not cost anything to open. This type of account allows you to: pay money in and take money out using a cash card set up standing orders at most banks, and direct debits. avoid the risk of running up debts by offering no overdraft facility. Current account This is the most common type of bank account. It is similar to a basic bank account. However it can also include features such as: a cheque book (you may need to be over a certain age) a debit card (which allows you to buy things in shops and pay for them with your bank card) the opportunity to arrange an overdraft with your bank.

2 Both accounts can give you a regular bank statement, which shows you how much money you have paid in or taken out. Some current accounts will pay you a small amount of interest. However, they are not usually an ideal account for saving. Savings account This account is designed to help you save up for things. It pays you interest on the amount you have saved. A savings account usually does not give you: a cheque book a debit card, and a way to pay your bills from it. There are different types of savings accounts, which depend on whether you want to save a set amount of money or how often you want to take it out. With most types of savings account the rate of interest paid to you might sometimes go up or down. Some accounts, especially those paying the highest rates of interest may require you to give notice before you can take money out. The simplest savings accounts allow you to draw money out when you need it. Why have a bank account? There are many reasons to have a bank account. They include: it can be easier and cheaper to pay bills most employers will only pay you by putting money directly into your bank account it is safer than keeping lots of cash in your house or in your wallet it can sometimes provide a straightforward way to receive benefits. Can I open a bank account? Anyone can apply to open a bank account. A bank is a commercial business and is not obliged to open an account for anyone. However, under the Disability Discrimination Act, a bank cannot refuse to open an account just because a person has a disability. That means people with a learning disability have the same rights as everyone else to open a bank account. The law states that to have a bank account a person must have contractual capacity. That means they must be able to understand the nature of the contract they are entering into and what might happen if that contract is not followed. They must also be able to give their informed consent to any transactions or to give permission for someone else to act on their behalf. If a person does not have contractual capacity the bank can refuse to open an account for them. This would not be against the Disability Discrimination Act. Under the Disability Discrimination Act, a bank has to make reasonable adjustments for someone with a disability. This might mean producing statements and other documents in an accessible format, for example by using large, clear print and plain English, together with colour coding and symbols. Can I have a joint account with someone else? A joint bank account is an account which is opened in the names of more than one person. Sometimes a bank might offer a joint account to a person with a learning disability. For this type

3 of account there needs to be a second person, such as a relative or advocate to sign. It is important to check who is liable for the operation of the account when it is opened. If the second person is held liable for the account this would mean they would have to pay back any money that the other account holder would/could not pay. That is why it is not good practice for professionals to share an account with the people they support. What proof of identity do I need to open a bank account? By law a bank has to confirm identity and address before they can open a bank account. This is to stop money laundering. Official documents are the best way to prove identity because they are difficult to fake. Proving identity is usually done using documents like a: passport driving licence household bill If you do not have the proof of identity or address the bank asks for, you can ask them what other types of identification documents they accept. What happens if I don't have the right proof of identity to open a bank account? Some people may not have any of the documents normally required. This does not mean that accounts should be refused. Here are some other forms of identification that might be accepted: a letter or other official documentation with the person's name and address a letter from a social worker or another official dealing with the person to confirm their identity a letter from a well-known organisation, like Mencap, that currently works with the person. The Financial Services Authority has guidance about 'financially disadvantaged people'. This is people who have difficulties obtaining banking facilities because they cannot provide accepted documentation to prove their identity. This includes some people with a learning disability. It is often helpful to talk to the bank manager or head office who may have more of a grasp about the rules and should know what exception procedures are in place. 1 What happens if my signature is always different? A wide range of disabilities can make it difficult for some people to physically sign documents. This can mean producing a consistent signature on cheques and other bank literature is very difficult. It is not necessary to be able to write your signature in full. A mark is acceptable to a bank as long as it is consistent for checking purposes. Here are some suggestions that might help: Use a thick pen or felt tip pen to make writing easier If gripping is difficult, adapted pens and pen grips are available. If a tremor is a problem, try a weighted cuff to help dampen down the tremor. Try a clipboard or non-slip mat to prevent the paper from slipping Use a plastic template if you have problems keeping your signature in the correct place If there are a number of items to sign, you could take a break in between signing them. Get advice from an occupational therapist. They can be contacted directly or a

4 referral can be made via a GP or other health professional. 2 It is also possible to give someone else the authority to sign on behalf of a person with a learning disability, provided that person understands the authority they are giving. Using cheques if you have difficulty signing your name If it is hard for a person to sign a cheque consistently they could: Talk to the bank. The bank may suggest another solution. Use a facsimile signature stamp, also known as a "rubber stamp". These can be bought from stationers. English Law recognises this stamp as a valid signature. Can people who receive direct payments get any help opening a bank account? The British Bankers' Association, the Department of Health and the Association of Directors of Social Services have jointly signed up to a standard letter. This is to help people who receive direct payments to open bank accounts. This letter acts as proof of capacity and/or address for a bank. There is more information about this on the Department of Health website and the British Bankers' Association website. When is a Power of Attorney a suitable option? A Power of Attorney allows a person to choose someone to manage his or her financial and property affairs. This might be for many reasons including the person being physically incapable of managing their financial affairs due to illness. Sometimes the parents of a person with a severe learning disability want to open a bank account on behalf of their adult son/daughter. Bank staff and even solicitors often recommend Power of Attorney as a way forward. However this may not be suitable. For a Power of Attorney to be used the person must have the capacity to understand the nature of the agreement they are entering into. It is not an option for someone who does not have the mental capacity to understand. The British Bankers' Association has produced a leaflet with advice for people who need to manage someone else's account. This is called 'Banking for People Who Lack Capacity to Make Decisions' and is available on the British Bankers' Association website at What if the bank refuses to open an account? If you have a problem with a bank that you have been unable to solve with a manager, you should ask for a complaints leaflet so that you can contact their head office. If you still have a problem, you can contact the independent Financial Ombudsman Service. They will be able to advise you on what to do next because they sort out financial problems people have with companies that provide financial services, including banks. Is the law likely to change in the future? The Mental Capacity Act 2005 came into force in October It provides a legal framework which allows people to act and make decisions on behalf of individuals who lack the mental capacity to make particular decisions for themselves.

5 Key terms: 1. Mental capacity - the ability to make an informed decision based on understanding the situation and the consequences. 2. Contractual capacity - ability to understand what a contract is and the rights and obligations that it gives. 3. Power of Attorney - a legal document that allows someone to choose a person to have control over their financial and property affairs for reasons of convenience. They must have mental capacity at the time they appoint someone. It is possible to have more than one attorney. 4. Joint bank account - an account which is opened in the names of more than one person. 5. Direct payments - money given to a person by social services to pay for the care services that they need. This is instead of receiving social services support. 6. Advocate - a person who speaks up for someone else. 7. Money laundering - the methods criminals use to hide and disguise the money they make from their crimes. 8. GP - general practitioner 9. Direct debit - a way of paying your bills directly from your bank account. You must sign a form that allows the company you are paying to take the money straight from your bank account on a specific date which you have agreed with them. 10. Debit card - a card that is given to you by your bank which allows you to take out money from a cash machine or pay for things directly using your card. The money is taken out of your account straight away. 11. Standing order - this is another way to pay bills directly from your bank account. You sign a form from the company you are paying which says how much you will pay and the dates you will pay. You then give this form to your bank and the money is paid automatically to the company you are paying on the dates you have arranged with them. References: 1. BBA Enterprises 2000 ( 2. BBA Enterprises 2000 ( This document was approved by the British Bankers Association on 02/11/ Registered charity number

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

Banking made clear. Information pack for people with learning disabilities.

Banking made clear. Information pack for people with learning disabilities. Banking made clear Information pack for people with learning disabilities. This handy guide provides information about how you can: open and manage your own bank account keep safe when you are using your

More information

You and your joint account

You and your joint account You and your joint account A guide for customers Cover image: HD Connelly, 2010 Used under license from Shutterstock.com. How can this leaflet help me? This document will help if you currently hold or

More information

Opening a Bank Account

Opening a Bank Account Opening a Bank Account If you are new or returning to the UK Introduction These days it is much easier for people to work abroad. When we do we usually need a bank account in the country we move to so

More information

Managing your money. alzheimers.org.uk. Booklets in the Living with dementia series

Managing your money. alzheimers.org.uk. Booklets in the Living with dementia series alzheimers.org.uk Booklets in the Living with dementia series Managing your money 1502 1503 1504 1505 1506 1507 1508 1509 To order one free copy of each booklet (50p for each additional copy), telephone

More information

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts.

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts. November 2009 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving and investing. Pensions and retirement. If things

More information

A guide to. basic bank and credit union accounts

A guide to. basic bank and credit union accounts A guide to basic bank and credit union accounts Information about basic bank and credit union accounts It is our policy to pay Housing Benefit directly into a bank or credit union account. This type of

More information

Self-directed support

Self-directed support Self-directed support Opening a bank account If you have a personal or individual budget you will need a separate bank account. Opening a bank account can be complicated. This explains how to open an account.

More information

How to open a bank account

How to open a bank account 2 Easy read How to open a bank account Self-directed support: an Easy Read guide to getting the help and support you need Self-directed support: an Easy Read guide to getting the help and support you need

More information

Guidance for people wanting to manage a bank account for someone else

Guidance for people wanting to manage a bank account for someone else Guidance for people wanting to manage a bank account for someone else Guidance for Consumers England and Wales How can this leaflet help? This guidance explains how a person can manage a bank or building

More information

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts.

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts. July 2010 Our guides here to help you This guide is part of our Everyday money series. Buying a home. Saving and investing. Pensions and retirement. If things go wrong. Everyday money. Available from our

More information

How to use a solicitor in England and Wales

How to use a solicitor in England and Wales How to use a solicitor in England and Wales Easy Read Do you need a solicitor? Solicitors give advice about the law. They are experts and can help you understand your rights and solve different legal problems

More information

The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices.

The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices. Basic bank accounts The Money Advice Service is here to help you manage your money better. We provide clear, unbiased advice to help you make informed choices. We try to ensure that the information and

More information

Supporting someone to manage money. a guide for carers

Supporting someone to manage money. a guide for carers Supporting someone to manage money a guide for carers Taking care of money Everyone should have the right to make their own decisions about the money that they own. To do this well, a person needs information

More information

A guide to basic bank accounts

A guide to basic bank accounts A guide to basic bank accounts Information about basic bank accounts It is our policy to pay Housing Benefit directly into a bank account. This type of payment is called a BACS payment. In order for us

More information

Banking made clear. Quick guide

Banking made clear. Quick guide Banking made clear Quick guide Contents Barclays Money Skills is a national programme that helps people to develop and improve their financial skills, knowledge and confidence. Barclays has developed this

More information

Banking on good decisions How can the Mental Capacity Act help you with your bank, building society or post office account? Mental Health Foundation

Banking on good decisions How can the Mental Capacity Act help you with your bank, building society or post office account? Mental Health Foundation How can the Mental Capacity Act help you with your bank, building society or post office account? Contents Introduction 01 Note on language 02 Who is this guidance for? 03 Why is this information important?

More information

Choosing and Opening a Bank Account

Choosing and Opening a Bank Account Choosing and Opening a Bank Account The Easy Picture Guide to Banking T his Guide has been put together to help you to choose a Bank and a Bank Account that are right for YOU. It has been written to be

More information

Using a Bank Account. The Easy Picture Guide to. Banking

Using a Bank Account. The Easy Picture Guide to. Banking Using a Bank Account The Easy Picture Guide to Banking T his Guide has been put together to help you to understand how to use your Bank Account in ways that are right for YOU. It has been written to be

More information

Protecting Yourself from Financial Abuse

Protecting Yourself from Financial Abuse Protecting Yourself from Financial Abuse Banks are very aware of the growing incidence of financial abuse of vulnerable people and can play an important role in raising awareness on the issue, including

More information

About you. Personal Information and your identity. a little extra help

About you. Personal Information and your identity. a little extra help About you Personal Information and your identity a little extra help Keeping you safe and stopping fraud More and more people are worried about identity theft and fraud. We re working 24/7 to keep your

More information

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts.

No selling. No jargon. Just the facts about basic bank accounts. Our guides here to help you. No selling. No jargon. Just the facts. April 2009 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving and investing. Pensions and retirement. If things go

More information

Your Virgin Essential Current Account

Your Virgin Essential Current Account Your Virgin Essential Current Account The Terms July 2015 These are the Terms of your Virgin Essential Current Account. These Terms, along with our Welcome guide, make up our agreement with you. We give

More information

International students

International students International students Opening a UK bank account Welcome This leaflet is for international students. It tells you all you need to know about opening a bank account in the UK. Answering everything from

More information

Just the facts about basic bank accounts.

Just the facts about basic bank accounts. May 2008 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving Pensions and andpensions andif things investing. retirement.

More information

Just the facts about basic bank accounts.

Just the facts about basic bank accounts. July 2007 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving Pensions and andpensions andif things investing. retirement.

More information

What is a Mencap personal support worker? Easy read. 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40

What is a Mencap personal support worker? Easy read. 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40 What is a Mencap personal support worker? Easy read 2009.289 What is a Mencap support worker3.indd 1 16/11/2009 16:40 A personal support worker is someone who is employed by Mencap and is there for you.

More information

International students

International students International students Opening a UK bank account Welcome This leaflet is for international students. It tells you all you need to know about opening a bank account in the UK. Answering everything from

More information

International students

International students International students Opening a UK bank account Welcome This leaflet is for international students. It tells you all you need to know about opening a bank account in the UK. Answering everything from

More information

Just the facts about basic bank accounts.

Just the facts about basic bank accounts. August 2008 Our guides here to help you This guide is part of our Everyday money series. About the Financial Services Authority. Buying a home. Saving Pensions and andpensions andif things investing. retirement.

More information

Powers of Attorney in New South Wales. This fact sheet also contains the forms to make a general power of attorney or an enduring power of attorney.

Powers of Attorney in New South Wales. This fact sheet also contains the forms to make a general power of attorney or an enduring power of attorney. FACT SHEET www.lpi.nsw.gov.au March 2014 Powers of Attorney in New South Wales This fact sheet also contains the forms to make a general power of attorney or an enduring power of attorney. What is a power

More information

POWERS OF ATTORNEY WHAT IS A GENERAL POWER OF ATTORNEY?

POWERS OF ATTORNEY WHAT IS A GENERAL POWER OF ATTORNEY? What do you do if you want someone to help look after your affairs? What if you become unable to look after yourself or make decisions about your own affairs? Who can make decisions about your welfare

More information

Bank of Scotland Private Banking Savings Accounts

Bank of Scotland Private Banking Savings Accounts Bank of Scotland Private Banking Savings Accounts Terms and Conditions Applicable to: Premier Investment Account Premier Reserve Account (for Personal Customers) Premier Reserve Account (for Trusts) 3

More information

Disability law. Information for personal customers about their rights

Disability law. Information for personal customers about their rights Disability law Information for personal customers about their rights How can this leaflet help me? Your bank is committed to meeting the needs of all its customers. UK banks adhere to rules under the Equality

More information

A guide to customer care

A guide to customer care A guide to customer care putting you at the heart of what we do Our commitment to you We want to make sure: 2 You get a service you can use easily; You have a say in how we provide our service to you;

More information

Bereaved customers. Helping you deal with a deceased person s account

Bereaved customers. Helping you deal with a deceased person s account Bereaved customers Helping you deal with a deceased person s account How this leaflet will help This guide will help if you need to settle the banking affairs of someone who has died. When you are bereaved,

More information

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts

PERSONAL BANKING TERMS AND CONDITIONS. For Personal Current Accounts, Savings and Basic Bank Accounts PERSONAL BANKING TERMS AND CONDITIONS For Personal Current Accounts, Savings and Basic Bank Accounts November 2015 This booklet contains: information about how to contact us and how we will contact you;

More information

Basic bank accounts your questions answered

Basic bank accounts your questions answered pril 2007 The Financial Services uthority (FS) is the UK s financial watchdog set up by government to regulate financial services and protect your rights. We produce a range of user-friendly factsheets

More information

A guide to the Adults with Incapacity (Scotland) Act

A guide to the Adults with Incapacity (Scotland) Act A guide to the Adults with Incapacity (Scotland) Act Introduction Mental capacity refers to our ability to make decisions for ourselves and act on them. Brain injury can impair this ability and when this

More information

ISA full encashment or partial withdrawal request form

ISA full encashment or partial withdrawal request form ISA full encashment or partial withdrawal request form For use with Sterling ISAs only Alternatives to encashing your account You should only consider encashing your account if you have carefully reviewed

More information

Banking for charities

Banking for charities Banking for charities Information for people who manage the financial affairs of a charity or voluntary organisation INSPIRING FINANCIAL LEADERSHIP Welcome This leaflet is for people who manage the financial

More information

Using direct payments or a personal budget

Using direct payments or a personal budget Factsheet Using direct payments or a personal budget This factsheet is relevant to you if you have had a needs assessment and qualify for council support. Your personal budget is the amount of money that

More information

StandardBankAccounts in association with

StandardBankAccounts in association with Introducing StandardBankAccounts in association with What is a standard bank account? A standard bank account is a new type of account designed to help you manage your money. If you have been put off opening

More information

Our agreement with you

Our agreement with you Our agreement with you Virgin Credit Card Terms CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 You can ask us for a copy of this agreement at any time. 1. Who provides the credit card?

More information

Managing bills and bank accounts

Managing bills and bank accounts Managing bills and bank accounts This information is an extract from the booklet Managing your money day to day, which is part of our Financial guidance series. You may find the full booklet helpful. We

More information

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions

Nationwide Paym. Terms and Conditions. How will Nationwide use your personal information? Terms and Conditions Nationwide Paym Terms and Conditions How will Nationwide use your personal information? In signing up and agreeing to these terms and conditions, you give your express consent to the use and disclosure

More information

Personal and Private Banking Accounts. Terms and Conditions

Personal and Private Banking Accounts. Terms and Conditions Personal and Private Banking Accounts Terms and Conditions Personal and Private Banking Accounts Contents Part One Universal Conditions 1. Introduction 3 2. Eligibility for an Account 3 3. Giving us instructions

More information

Bank of Scotland Bank Accounts. Special conditions

Bank of Scotland Bank Accounts. Special conditions Bank of Scotland Bank Accounts January 2007 Special conditions Bank account conditions Always giving you extra 2 Welcome to the Bank of Scotland Thank you for choosing to bank with the Bank of Scotland.

More information

What is Credit? What Different Types of Credit Are Available?

What is Credit? What Different Types of Credit Are Available? Credit and Debt What is Credit? Credit is a contract between a lender, such as a bank, a credit card company, or a store, and an individual or company. The lender provides the money or access to money,

More information

Arranging for someone to make decisions about your finance or welfare

Arranging for someone to make decisions about your finance or welfare Factsheet 22 August 2015 Arranging for someone to make decisions about your finance or welfare About this factsheet This factsheet looks at arrangements for other people to make decisions about your welfare

More information

2(e) Opening a bank account

2(e) Opening a bank account 2(e) Opening a bank account Let s say that you want to open a bank account. In this topic we are going to look at how to do this. How long does it take to open a bank account? Is it as quick or quicker

More information

Business Debit Card User Guide and Application

Business Debit Card User Guide and Application Business Debit Card User Guide and Application First Trust Bank Business Debit Card User Guide This guide explains the features of the Business Debit Card. You should read this guide with the terms and

More information

Lasting Power of Attorney (LPA) Create your LPA. Health and welfare Property and financial affairs. Office of the Public Guardian

Lasting Power of Attorney (LPA) Create your LPA. Health and welfare Property and financial affairs. Office of the Public Guardian Office of the Public Guardian 1 Lasting Power of Attorney (LPA) Create your LPA Health and welfare Property and financial affairs This page is not an official part of the form Form LPA 1 Before you start

More information

People making decisions for you

People making decisions for you An easy read fact sheet People making decisions for you What you need to know about people making decisions for you. The Mental Health Act Code of Practice People making decisions for you Keys facts ÁÁ

More information

Confident living. Managing your money. Confident living series: Managing your money

Confident living. Managing your money. Confident living series: Managing your money Confident living Managing your money Confident living series: Managing your money Managing your money Five top tips 1 Ask a shop what special offers they have. 2 Speak up for your rights, services should

More information

Arranging for someone to make decisions about your finance or welfare

Arranging for someone to make decisions about your finance or welfare Factsheet 22 January 2014 Arranging for someone to make decisions about your finance or welfare About this factsheet This factsheet looks at arrangements for other people to make decisions about your welfare

More information

Going to a Mental Health Tribunal hearing

Going to a Mental Health Tribunal hearing June 2015 Going to a Mental Health Tribunal hearing Includes: information about compulsory treatment and treatment orders information about Mental Health Tribunal hearings worksheets to help you represent

More information

The Easy Picture Guide to banking xxxx. Choosing xxxxxxxxxxxxxxxxxxxxx a xxxxxxxxxxxxxxxxxxxxx. bank account

The Easy Picture Guide to banking xxxx. Choosing xxxxxxxxxxxxxxxxxxxxx a xxxxxxxxxxxxxxxxxxxxx. bank account The Easy Picture Guide to banking xxxx Choosing xxxxxxxxxxxxxxxxxxxxx and opening a xxxxxxxxxxxxxxxxxxxxx bank account The Easy Picture Guide to xxxx a bank account The Easy Picture Guide to Money for

More information

Managing Money and Finances Following Traumatic Brain Injury. Patient Information Booklet. Talis Consulting Limited

Managing Money and Finances Following Traumatic Brain Injury. Patient Information Booklet. Talis Consulting Limited Managing Money and Finances Following Traumatic Brain Injury Patient Information Booklet Talis Consulting Limited Why Can a Head Injury Cause Problems when Managing Money? Often people will describe the

More information

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions

Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions Current Account, Current Account Plus, Student Current Account, Privilege Current Account, Privilege Premier Current Account. Terms and conditions With effect from 5 July 2015 Terms and conditions of the

More information

Terms of Business and Service Commitments

Terms of Business and Service Commitments R OTHERA D OWSON SOLICITORS AND NOTARIES Terms of Business and Service Commitments The Partnership Rothera Dowson is a partnership consisting of limited companies details of which can be found on our website,

More information

FLEXONE. Terms and Conditions and How to use your account

FLEXONE. Terms and Conditions and How to use your account FLEXONE Terms and Conditions and How to use your account How this document works This document contains important information to help you understand the key features of the FlexOne account and to understand

More information

Terms and Conditions. Your questions answered

Terms and Conditions. Your questions answered Terms and Conditions Your questions answered Your agreement with us is made up of the following: 1. This document it explains how your account operates. 2. Our Rates and fees leaflet we may charge you

More information

Managing Finances after Brain Injury

Managing Finances after Brain Injury Managing Finances after Brain Injury After a brain injury a person may lack the ability to manage their financial affairs permanently or temporarily. The law makes a number of provisions for these situations

More information

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 1 December 2014.

Business Banking. Terms and Conditions. For HSBC business current and savings accounts and services as of 1 December 2014. Business Banking Terms and Conditions For HSBC business current and savings accounts and services as of 1 December 2014. Table of contents How to reach us Page 4 If you have a disability 4 1. What you

More information

Local Housing Allowance. Accounts. Revenues and Benefits Corporate Resources Department. www.plymouth.gov.uk

Local Housing Allowance. Accounts. Revenues and Benefits Corporate Resources Department. www.plymouth.gov.uk Information on Bank Accounts Local Housing Allowance www.plymouth.gov.uk Revenues and Benefits Corporate Resources Department Why open a bank account? If you receive Housing Benefit under the Local Housing

More information

What is the purpose of the Grant of Representation?

What is the purpose of the Grant of Representation? PA2 How to obtain probate - A guide for people acting without a solicitor What is the Probate Service? The Probate Service is part of HM Courts & Tribunals Service. It administers the system of probate,

More information

Identity Theft PROTECT YOUR INFORMATION AND YOUR IDENTITY HIGHLIGHTS

Identity Theft PROTECT YOUR INFORMATION AND YOUR IDENTITY HIGHLIGHTS This publication is intended to provide general information only and is not a substitute for legal advice. HIGHLIGHTS 1 PROTECT YOUR INFORMATION AND YOUR IDENTITY 3 BE VIGILANT 3 CORRECTING INFORMATION

More information

APPLICATION FOR COMPENSATION FORM FOR A PERSONAL INJURY (Do not use this form for claims relating to fatal injuries)

APPLICATION FOR COMPENSATION FORM FOR A PERSONAL INJURY (Do not use this form for claims relating to fatal injuries) Compensation Services 6th Floor Millennium House 17-25 Great Victoria Street Belfast BT2 7AQ Telephone: 0300 200 7887 Criminal Injuries Compensation Scheme (2009) Made under the Criminal Injuries Compensation

More information

Your guide to low-cost. Home Ownership

Your guide to low-cost. Home Ownership Your guide to low-cost Home Ownership All about A2Dominion New Homes A2Dominion New Homes is a major provider of low-cost, high-quality homes in London and southern England. A2Dominion New Homes is part

More information

Changes to special educational needs and disability support

Changes to special educational needs and disability support Changes to special educational needs and disability support Easy read guide for children and young people Who is this guide for? This guide will be useful if you: are a child or a young person have a learning

More information

International students opening a UK bank account

International students opening a UK bank account International students opening a UK bank account I am a student from outside the UK and I am about to start studying at a UK university/college/school. How do I choose which bank is best for me? You should

More information

Protecting Against Financial Abuse. A guide for older Albertans, their families and friends

Protecting Against Financial Abuse. A guide for older Albertans, their families and friends Protecting Against Financial Abuse A guide for older Albertans, their families and friends Reprint September 2013 It can happen to anyone Financial abuse is one of the most frequently reported types of

More information

NHS Complaints Advocacy

NHS Complaints Advocacy NHS Complaints Advocacy Raising Concerns or Complaints About the NHS Advocacy in Surrey is provided by Surrey Disabled People s Partnership (SDPP) In partnership with SDPP is a registered Charity: 1156963

More information

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009

Factsheet. Bankruptcy. e y. i c e. Make Every Count. The information and benefit rates in this leaflet are correct at April 2009 M on Factsheet e y E3 A dv i c e Bankruptcy U ni Make Every Count t The information and benefit rates in this leaflet are correct at April 2009 01438 737555 www.hertsdirect.org/benefits Bankruptcy Bankruptcy

More information

Welcome to your British Gas Business guide. Everything you need to know. Contract terms and conditions enclosed

Welcome to your British Gas Business guide. Everything you need to know. Contract terms and conditions enclosed Welcome to your British Gas Business guide Everything you need to know Contract terms and conditions enclosed Contents Welcome to your British Gas Business terms and conditions 1 Dedicated to you 1 Meanings

More information

Online Banking. Making your life easier. Our business is business banking.

Online Banking. Making your life easier. Our business is business banking. Online Banking Making your life easier Our business is business banking. Online Banking Making your life easier Imagine having a bank whose doors never close. Imagine having access to your money and control

More information

Chip and signature cards: An alternative option for anyone who has difficulties using a PIN

Chip and signature cards: An alternative option for anyone who has difficulties using a PIN Chip and signature cards: An alternative option for anyone who has difficulties using a PIN Introduction Chip and PIN is the safest way for customers to protect their cards from fraud. However, all banks

More information

Money laundering. Our obligation to comply with. the Financial Intelligence. Centre Act.

Money laundering. Our obligation to comply with. the Financial Intelligence. Centre Act. Money laundering Our obligation to comply with the Financial Intelligence Centre Act. Impact on account opening procedures as from 1 July 2003 Money laundering has been identified as the third biggest

More information

payment protection insurance: consumer questionnaire

payment protection insurance: consumer questionnaire our ref: payment protection insurance: consumer questionnaire WHAT IS THIS QUESTIONNAIRE FOR? This questionnaire is for consumers to register a complaint about the sale of payment protection insurance.

More information

What Is Halton Community Alarm Service? Who is the service for? How can it help me? What is a Community Alarm? How does it work?

What Is Halton Community Alarm Service? Who is the service for? How can it help me? What is a Community Alarm? How does it work? Information Guide 1 1 1 2 4 5 6 8 8 10 10 11 11 12 What Is Halton Community Alarm Service? Who is the service for? How can it help me? What is a Community Alarm? How does it work? What is required of you?

More information

Current/Cheque/Savings Account and Fixed Deposit Terms www.sc.com/gh

Current/Cheque/Savings Account and Fixed Deposit Terms www.sc.com/gh Current/Cheque/Savings Account and Fixed Deposit Terms www.sc.com/gh Copyright 2015 Standard Chartered Bank Version 01/2015 Contents 1 Choosing the account that is right for you 1 2 Savings accounts 1

More information

2. We have to agree that you are willing and able to manage a DP, with support if necessary.

2. We have to agree that you are willing and able to manage a DP, with support if necessary. 10. You keep records of DP spend, and allow us to check the records regularly. If there are any problems with your DP spend, we will work together to try to resolve them. 9. You buy the support and services

More information

Getting started as an attorney

Getting started as an attorney LP11 Getting started as an attorney Property and financial affairs How to be an attorney You ve been appointed as an attorney under a lasting power of attorney (LPA). The person who made the LPA (the donor

More information

Direct Payment - A Simple Guide

Direct Payment - A Simple Guide Bank A5 21/10/03 10:25 AM Page 1 Direct Payment - A Simple Guide Information you need about the new ways that benefits will be paid. Bank A5 21/10/03 10:25 AM Page 2 What is Direct Payment? Direct Payment

More information

What is the right bank account for me?

What is the right bank account for me? Banks and Accounts What is the right bank account for me? The types of bank account Choosing a bank account comes down to what you need from that account. Knowing what accounts are available is the key

More information

BEGINNER S GUIDE. Power of Attorney. Protecting what is important to you

BEGINNER S GUIDE. Power of Attorney. Protecting what is important to you BEGINNER S GUIDE Power of Attorney Protecting what is important to you BEGINNER S GUIDE - POWER OF ATTORNEY What is a Power of Attorney? A Power of Attorney gives someone (the Attorney) the legal right

More information

Adult Social Care Direct Payments Guide

Adult Social Care Direct Payments Guide Adult Social Care Direct Payments Guide Adult Social Care Direct Payments Guide (April 2015) Page 1 of 15 Introduction This is a general guide for people who are deciding whether or not to have direct

More information

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia

The sensible. to bank accounts for seasonal employees. Introducing the Barclaycard Wage Card brought to you by Concordia The sensible alternative to bank accounts for seasonal employees Introducing the Barclaycard Wage Card brought to you by Concordia 2 An easier way to pay your seasonal employees Many of our growers have

More information

A Guide to Enduring Power of Attorney in Western Australia

A Guide to Enduring Power of Attorney in Western Australia A Guide to Enduring Power of Attorney in Western Australia Preface This guide is produced by the Public Advocate, the independent statutory officer appointed by the Western Australian Government under

More information

Learning English with CBC Radio Living in Alberta. Identity Theft

Learning English with CBC Radio Living in Alberta. Identity Theft Learning English with CBC Radio Living in Alberta Identity Theft by Maroro Zinyemba Project Manager: Justine Light Daylight Consulting Inc. Integration Enhancement Lesson: Identity Theft CLB Level: 6 CLB

More information

Lasting Powers of Attorney for Health and Welfare England and Wales

Lasting Powers of Attorney for Health and Welfare England and Wales Lasting Powers of Attorney for Health and Welfare England and Wales This factsheet explains what a Lasting Power of Attorney for Health and Welfare is, how one can be used, and how to make one. This is

More information

Topic 2(d) Bank accounts

Topic 2(d) Bank accounts Topic 2(d) Bank accounts Storing money in a bank or building society If you have money you don t want to spend immediately, the best thing you can do with it is put it in a bank account. This will keep

More information

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. A Guide to Basic Bank Accounts

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. A Guide to Basic Bank Accounts Southend-on-Sea Borough Council Department for Corporate Services Revenues & Benefits Service A Guide to Basic Bank s What is a Basic Bank Basic Bank accounts are available to everyone from most banks.

More information

Getting social care support under the new law in England

Getting social care support under the new law in England Factsheet What does the Care Act mean for me? Getting social care support under the new law in England This factsheet concentrates on parts of the Care Act which will most affect people who use social

More information

OUR GUIDE TO PROTECTING YOUR PERSONAL INFORMATION

OUR GUIDE TO PROTECTING YOUR PERSONAL INFORMATION OUR GUIDE TO PROTECTING YOUR PERSONAL INFORMATION What is personal information? Personal information is information about you. It can be your name, address, or telephone number. It can also be the type

More information

Adviceguide Advice that makes a difference

Adviceguide Advice that makes a difference Jargon Buster A Z of financial terms This fact sheet explains some of the financial terms that you might come across when you are dealing with financial matters. ACCOUNT:- this is provided by a bank or

More information