Paying your rent You ve got nine easy ways to pay

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Paying your rent You ve got nine easy ways to pay"

Transcription

1 Glasgow Housing Association You and GHA Rent payments Paying your rent You ve got nine easy ways to pay Better homes, better lives

2 We can produce information on request in large print, Braille, tape and on disk. It is also available in other languages. If you need information in any of these formats please contact us on Freephone Si vous nous le demandez, nous pouvons vous remettre ces informations en d autres langues, en braille ou sur cassette. Si vous souhaitez que ces informations vous soient fournies sous l un de ces formats, contactez-nous en composant le Na Pana/Pani życzenie możemy zapewnić te informacje w innych językach, alfabetem Braille a lub na kasecie. Jeśli chciał(a)by Pan(i) uzyskać te informacje w którejś z tych form, prosimy skontaktować się z nami pod numerem telefonu Haddii aad na weydiisato waxaanu warbixintan kugu siin karaa iyadoo ku qoran luuqad kale, farta ay dadka indhaha la akhriyaan ama cajalad ku duuban. Haddii aad jeclaan lahayd in warbxintan lagugu siiyo mid ka mid ah qaababkaas, fadlan nagala soo xidhiidh telefoonka По вашей просьбе данная информация может быть предоставлена на других языках, шрифтом Брайля или в аудиозаписи. Если вам требуется информация в одном из этих форматов, позвоните нам по номеру Rent payment Page 2

3 You and GHA To stay in a GHA home everyone has to pay rent from day one. We use the money we collect to improve the services we provide like faster repairs and maintenance, more efficient close cleaning and easier rent payment. This booklet details all the ways you can pay your rent. If you need help with rent payments call us on Freephone Need to contact us? Call us 24/7 on Freephone visit your local GHA office write to us at GHA Customer Service Centre, Lipton House, 170 Crown Street, Glasgow G5 9XD you can also visit us online or send an to Rent payment Page 3

4 Making rent your priority Your home could be at risk if you fall behind with your rent. As your landlord we ask that you contact us immediately should you be experiencing difficulties with your rent. We can provide helpful advice and assistance to get you back on track. Claiming Housing Benefit Many of our tenants are eligible for help with their rent through Housing Benefit. You can ask at your local GHA office for Housing Benefit information. Speak to our Welfare Benefits team. They can help make sure you re receiving all the benefits you re entitled to. If you d like to talk to a Welfare Benefits Advisor please contact your local housing office or call us on Freephone or you can also apply directly to the council online at gov.uk by selecting their Online Services option where you can access their Benefit Calculator and eclaim Form. Alternatively you can apply at one of the Council s Revenue and Benefits centres (see list on page 8). Page 4

5 Convenient ways to pay your rent We re always striving to improve our services and make paying your rent as easy and convenient as possible. So now there are nine simple ways for you to keep on top of your rent. All you need to do is decide which suits you best. Direct Debit Housing Benefit In person Post 9simple ways to pay Online Phone Standing Order PayPoint Post Office Rent payment Page 5

6 Direct Debit Direct Debit is an instruction to your bank to pay GHA agreed amounts of money at agreed times. We have a range of payment frequencies for you choose from, either weekly, fortnightly, four weekly or monthly. You ll be given at least 10 days notice of any change to these amounts or dates, and you can cancel the Direct Debit at any time. Your Direct Debit payment will show up in your GHA rent account on the day your payment is due. Sign up for Direct Debit If you pay full rent, simply fill in the form at the back of this booklet and send it back to us in the supplied envelope (or using the Freepost address on the form). When we receive it we ll contact your bank and make the necessary arrangements. If you receive partial Housing Benefit, we plan to make it possible for you to pay the balance of your rent by Direct Debit in the near future. Simple Just complete and return the form and we ll do the rest. Convenient You can choose to pay weekly, fortnightly, four-weekly or monthly. Secure Every payment is protected by the Direct Debit guarantee. If you ve any questions about the form, Direct Debit in general or if you re applying on behalf of someone else, please call our Customer Service Centre 24/7 on Freephone Page 6

7 Online We have launched a new-look payment website. This will make it easier and faster for you to pay your rent and other bills. It has some new useful features like: allowing you to make multiple payments so you can pay, for example, your rent and your lock-up fees in one visit showing you the updated balance on your account. Visit and follow the instructions to make your payment quickly and securely. You ll need your GHA rent payment card and your credit or debit card handy to pay online. By post You can send a cheque or Postal Order directly to: GHA, Wheatley House, 25 Cochrane Street, Glasgow G1 1HL All cheques or postal orders should clearly identify your rent account number and be made payable to The Glasgow Housing Association Limited. It would be helpful if you write your name and address on the back of the cheque. Never send cash through the post. Payments made by post will usually be processed on the working day they are received by GHA. The payment will show up in your GHA rent account on the next working day. Rent payment Page 7

8 At your local Post Office You can pay at the Post Office using your GHA rent payment card. Payments made at the Post Office can take three to five working days to show up in your GHA rent account. By PayPoint You can pay your rent in cash at any PayPoint outlet. All you need to do is take your GHA rent payment card and money to anywhere you see the PayPoint sign, including newsagents, supermarkets, convenience stores and garages. Some larger PayPoint outlets, such as the Co-operative stores, will accept other payment methods. If your payment is over 200, your PayPoint agent may have to process more than one transaction due to limits set by the bank. Payments made by PayPoint can take three to five working days to show up in your GHA rent account. The PayPoint logo You can pay your rent anywhere displaying the PayPoint logo. Page 8

9 By telephone We now have two options when you call. You can either choose to pay by automated (often called touch-tone) payments or by talking to an advisor. Payments made using this method up to 5.30pm Monday to Friday will show up in your GHA rent account the following day. Call us 24/7 on Freephone to pay by debit or credit card. By Standing Order You can pay by Standing Order. However, please remember that you ll need to change the Standing Order amount yourself if your payment amount changes. Direct Debit changes automatically and could be more convenient. Standing Order payments can take up to 3 5 working days to reach your account. In person If you want to pay your account in person, just drop into our ground-floor shop at 173 Trongate and pay by cash, cheque or with your credit or debit card using our new Chip and Pin facility. The office is open from Monday to Friday, 9am to 5pm, except public holidays. Payments made using this method will show up in your GHA rent account the next working day. Rent payment Page 9

10 By Housing Benefit If you receive full Housing Benefit then your rent is paid by Glasgow City Council. If you receive partial Housing Benefit you are responsible for paying the rest. If your circumstances change, for example you find paid employment or someone joins or leaves your household, you must let Glasgow City Council know as it will affect your Housing Benefit. You can call Glasgow City Council on If you would like to speak to someone about Housing Benefit, please contact your nearest Revenue and Benefits centre. Glasgow City Council Revenue and Benefits centres Anniesland 841 Crow Road G13 1YT Maryhill 1 Gairbraid Avenue G20 8YA Springburn 30 Charles Street G21 2PN Easterhouse 1250 Westerhouse Road G34 9AE Parkhead 125 Westmuir Street G31 5EX Govan 780 Govan Road G51 2YL Shawbridge 24/34 Shawbridge Arcade G43 1RT Castlemilk 15 Dougrie Road (by appointment only) City Centre 45 John Street G1 1JE We can help you to submit claims for Housing Benefit and we work closely with the Glasgow City Council s Housing Benefit centres to ensure that claims are processed quickly. Our Welfare Benefits service can help to make sure you are receiving all the benefits you are entitled to. Your housing officer can give you more information about this. Page 10

11 Our commitment to you There are certain standards of service you have a right to expect when you are in contact with our staff and contractors appointed by us. We call these standards our customer service commitments, and the following page details the commitments related to rent collection. We will Tell prospective tenants their likely rent charges, entitlement to Housing Benefit and balance of rent due Help you apply for any Housing Benefit entitlement from Glasgow City Council When At the time we make an offer of accommodation At any time during office hours, on demand Consult with you on our proposals for changes to your rent and service charges Annually Rent payment Page 11

12 Frequently asked questions Here are some frequently asked questions to do with your rent payments. When does GHA expect me to pay my rent? We have a four-weekly payment period and we have a range of payment frequencies for you choose from, either weekly, fortnightly, four weekly or monthly. You have options to pay to suit your circumstances, however your tenancy agreement requires you to pay 4 weeks rent from day one of your tenancy and then ensure this is paid every 4 weeks. You can get a calendar of these payment dates from your local housing office or by calling us on Freephone If you pay your rent on time you can join Glasgow Gold and get a range of benefits and prizes. Find out more by calling us on Freephone What happens if my personal circumstances change or my family s income changes? If you receive Housing Benefit you must inform Glasgow City Council as soon as you can as changes in circumstances can affect the benefits you are due. You can also call our Customer Service Centre on Freephone for further advice. Page 12

13 Frequently asked questions (continued) What if I ve got a problem paying my rent? We understand there are many reasons why people fall behind with their rent but there are also lots of ways we can help you. Please let us know as soon as you have a problem paying your rent because when it comes down to it your home is what really matters. Don t wait until things are beyond your control. We re here to help and the earlier you let us know there s a problem the better it is for you and for us. We can work out repayment plans, provide benefit advice and help you access debt counselling/money advice services. What happens if I get behind with my rent? You should contact us immediately. If you don t, we will contact you to find out why your rent has not been paid. We use a range of ways of getting in touch, to suit your needs. This includes telephone calls and visits in the evening and at weekends, and text messaging. We use interpreters, lip speakers and sign language where customers need this. We will also provide letters in different languages, large print, easy read, Braille or other formats on request. We will ask you about your circumstances and encourage you to make regular payments. Rent payment Page 13

14 Frequently asked questions (continued) If you don t talk to us, or you don t keep the payment arrangement, we will serve a Notice of Proceedings for Recovery of Possession. This is the first stage of legal action. We will continue to try to contact you. We will continue to accept any reasonable offers of repayment during the legal action. But, where arrears continue to rise we will, as a last resort, raise an eviction action. Once a Sheriff has granted decree the eviction must take place. Please remember, paying your rent is not a matter of choice. If you don t pay, you could lose your home. Page 14

15 The simplest way to pay Paying by Direct Debit really is simple, convenient and secure send us your completed Direct Debit form using the Freepost envelope supplied with this leaflet and we ll do the rest. Start paying by Direct Debit. Find out how to pay on page 17 Rent payment Page 15

16 What else will happen if I don t pay my rent? Deducting payments from benefits or wages If you don t keep to your arrangement to pay we may also consider: deducting payments from your benefits taking court action to claim part of your wages. Suspending your application to transfer If you are applying for housing with us or want to transfer to another property and you owe us rent, we may suspend your housing application until you have: made an arrangement to pay the debt kept that arrangement for at least three months continue to make payments. Refusing your Right to Buy If you have rent arrears, or owe rent for a previous address, your Right to Buy application will be refused. Contact us If you re worried about how you re going to pay your rent, call us free and in confidence we re here to help. The number is Freephone Alternatively, you can contact your local housing office where our local staff will be happy to help. Rent payment Page 16

17 How to complete the Direct Debit mandate Fill in your bank details here Fill in the name shown on your bank card Fill in your bank account number and sort code This is the number on your rent card How often do you want to pay your rent? Sign your name and date the mandate here Rent payment Page 17

18 B anks and building soc ieties may not accep t Direc t Debit ins tructions for so me types of accou nt This is not part of the instruction to your bank or building Society This is not part of the instruction to your bank or building Society Rent Reference Number Rent Reference Number P roperty Address P roperty Address Please tick the appropriate box to select your payment frequency: Weekly Fortnightly Please tick the appropriate 4 weekly box to Or select monthly your on payment 1st frequency: 8th 15th 22nd 28th Weekly Fortnightly 4 weekly Or monthly on 1st 8th 15th 22nd 28th Rent Payment Arrangement Rent THE GLASGOW HOUSING Payment ASSOCIATION Arrangement LIMITED, 177 Trongate, Glasgow G1 5HF is a charity registered in Scotland, No: SCO34054 THE GLASGOW HOUSING ASSOCIATION LIMITED, 177 Trongate, Glasgow G1 5HF is a charity registered in Scotland, No: SCO34054 This guarantee should be detached and retained by the Payer. The Direct Debit Guarantee This guarantee should be detached and retained by the Payer. The Direct Debit Guarantee This Guarantee is offered by all Banks and Building Societies that accept instructions to pay Direct Debits If there are any changes to the amount, date or frequency of your Direct Debit The Glasgow Housing Association Limited will not ify you 10 working days in advance of your account being debited or as otherwise agreed. If you request The Glasgow Housing Association Limited to collect a payment, confirmation of the amount and date will be given to you at the time of the request This Guarantee is offered by all Banks and Building Societies that accept instructions to pay Direct Debits If an error is made in the payment of your Direct Debit, by The Glasgow Housing Association Limited or your bank or building If there society are you any are changes entitled to to the a full amount, and immediate date or refund frequency of the of amount your Direct paid from Debit your The bank Glasgow or building Housing society Association Limited will not ify you - 10 If you working receive days a refund in advance you are of not your entitled account to, you being must debited pay back or as when otherwise The Glasgow agreed. Housing If you Association request The Limited Glasgow asks Housing you t o Association You can cancel Limited a Direct to collect Debit a at payment, any time confirmation by simply contacting of the amount your bank and or building date will society. be given Written to you confirmation the time may of be the request If an required. error is made Please in also the notif payment y us. of your Direct Debit, by The Glasgow Housing Association Limited or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society - If you receive a refund you are not entitled to, you must pay it back when The Glasgow Housing Association Limited asks you t o You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notif y us.

19 Please fill in the whole form using a ball point pen and send it to: The Glasgow Housing Association Limited Direct Debit Team Granite House 177 Trongate Glasgow G1 5HF Instruction to your bank or building societ y to pay by Direct Debit Service user Number Reference Name and full postal address of your bank or building society To:The Manager Bank/Building Society Address Post Code Name(s) of Account Holder(s Instruction to your Bank or Building Society Please pay The Glasgow Housing Association Limited Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with The Glasgow Housing Association Limited and, if so, details will be passed electronically to my Bank/Building Society Bank/Building Society account number Signature(s) Branch Sort Code Date B anks and building soc ieties may not accep t Direc t Debit ins tructions for so me types of accou nt

20 Would you like more information? Freephone: Visit: The Glasgow Housing Association Limited is a not-for-profit housing association registered under the Industrial and Provident Societies Act 1965, registered no. 2572R(S). It is also recognised by HM Revenue and Customs as a Scottish charity (SC034054) and is registered with The Scottish Housing Regulator under the Housing (Scotland) Act 2001 as a registered social landlord, no VAT registration no Registered office: Wheatley House, 25 Cochrane Street, Glasgow G1 1HL GHALFRENT/FEB14/100702

Paying your rent You ve got nine easy ways to pay

Paying your rent You ve got nine easy ways to pay Glasgow Housing Association www.gha.org.uk You and GHA Rent payments Paying your rent You ve got nine easy ways to pay Better homes, better lives You and GHA To stay in a GHA home everyone has to pay rent

More information

Got it covered? We can help you prepare for the unexpected

Got it covered? We can help you prepare for the unexpected Glasgow Housing Association www.gha.org.uk Your home Home contents insurance Got it covered? We can help you prepare for the unexpected Better homes, better lives, a better Glasgow We can produce information

More information

Paying your rent You ve got nine easy ways to pay

Paying your rent You ve got nine easy ways to pay Cube Housing Association www.cubehousing.co.uk You and Cube s Paying your rent You ve got nine easy ways to pay Better homes, better lives 0845 250 7966 0845 250 7966 0845 250 7966 0845 250 7966 0845 250

More information

Your close and backcourt maintenance services

Your close and backcourt maintenance services Glasgow Housing Association www.gha.org.uk Your home Neighbourhood environmental services Your close and backcourt maintenance services Better homes, better lives We can produce information on request

More information

A guide to RENT ARREARS

A guide to RENT ARREARS A guide to RENT ARREARS An Information Booklet INTRODUCTION The importance of Regular Rent Payment Cadder Housing Assocation is responsible for the management and maintenance of approximately 650 properties.

More information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information

Glasgow City Council. Housing Benefit and Council Tax Reduction Application Information Glasgow City Council Housing Benefit and Council Tax Reduction Application Information Section 1 Personal Details To help us process your application and allow us to contact you if we need more information,

More information

Questions. about your Simple Payment card

Questions. about your Simple Payment card Questions about your Simple Payment card 1. What is Simple Payment? Simple Payment is a service delivered jointly by the government, Citibank and PayPoint. 2. What is a Simple Payment card? Normally the

More information

Code of practice for recovering domestic water debt

Code of practice for recovering domestic water debt Code of practice for recovering domestic water debt Contents 2 What to do if you can t pay your bill 3 How we can help 5 How to pay 7 What if you don t pay the bill or don t keep to an agreement? 9 What

More information

Policy document Date. YourPlace Property Management www.your-place.net. Debt Recovery Policy. Part of the GHA family. Page 0. Debt Recovery Policy

Policy document Date. YourPlace Property Management www.your-place.net. Debt Recovery Policy. Part of the GHA family. Page 0. Debt Recovery Policy YourPlace Property Management www.your-place.net Policy document Date Debt Recovery Policy Page 0 Part of the GHA family Name of Policy Responsible Officer Executive Finance Manager Date approved by YourPlace

More information

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments

Southend-on-Sea Borough Council. Department for Corporate Services Revenues & Benefits Service. Housing Benefit. A Guide to Overpayments Southend-on-Sea Borough Council Department for Corporate Services Revenues & Benefits Service Housing Benefit A Guide to Overpayments A guide to Overpayments This leaflet is designed to explain the following:

More information

Everything you need to know about rent

Everything you need to know about rent Everything you need to know about rent THIS LEAFLET IS RESIDENT APPROVED What s inside This leaflet gives you information about your rent. It tells you about: u How to pay your rent u Understanding your

More information

T3 Paying your rent 1 1

T3 Paying your rent 1 1 T3 Paying your rent 1 If you need to contact us for any reason, whether it s to report a repair, ask for advice or get in touch with a particular person, you should phone Customer Services on 0300 303

More information

Housing Registration Form

Housing Registration Form Registering with us Housing Registration Form GHA and Cube are both social landlords and are part of Wheatley Group, Scotland s leading housing group. We work together to provide a range of services in

More information

Feel threatened? We can give you peace of mind

Feel threatened? We can give you peace of mind Glasgow Housing Association www.gha.org.uk Your community Feel threatened? We can give you peace of mind Better homes, better lives, a better Glasgow Your community Anti-social behaviour is a complex and

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

Council Tax. Explanatory notes 2015/2016. This leaflet is important and forms part of your bill

Council Tax. Explanatory notes 2015/2016. This leaflet is important and forms part of your bill L E I C E S T E R C I T Y C O U N C I L Council Tax Explanatory notes 2015/2016 This leaflet is important and forms part of your bill VISIT COUNCIL TAX AT: Customer Service Centre, York House, 91 Granby

More information

Please remember that your rent is your responsibility. Your rent should be paid in advance, either weekly, fortnightly or monthly.

Please remember that your rent is your responsibility. Your rent should be paid in advance, either weekly, fortnightly or monthly. Paying your Rent Please remember that your rent is your responsibility. Your rent should be paid in advance, either weekly, fortnightly or monthly. Paying your rent Your rent, your responsibility When

More information

Rent Collection. This guide explains our approach to rent collection, our promises to you and how you can pay online with my Bernicia

Rent Collection. This guide explains our approach to rent collection, our promises to you and how you can pay online with my Bernicia Rent Collection This guide explains our approach to rent collection, our promises to you and how you can pay online with my Bernicia 1 Rent Collection This guide explains our approach to rent collection.

More information

are you in danger of losing your home?

are you in danger of losing your home? are you in danger of losing your home? Mortgage to Rent Scheme help is at hand... We want to make it as easy as possible for you to get information about Mortgage to Rent. You can ask for this document

More information

Our Code of Practice for Domestic Customer Debt

Our Code of Practice for Domestic Customer Debt Our Code of Practice for Domestic Customer Debt 2104/2/2011 1 Introduction This is our Code of Practice for dealing with domestic customer debt. It gives details on paying your bills, and states what we

More information

VIRTUAL OFFICE SERVICES INFORMATION

VIRTUAL OFFICE SERVICES INFORMATION VIRTUAL OFFICE SERVICES INFORMATION A Media Centre Virtual Office service gives you the advantage of a professional telephone answering service and/or the use of a mailing address without being physically

More information

Your Gas and Electricity Bill

Your Gas and Electricity Bill Your Gas and Electricity Bill Page 3 This charter sets out what you need to know about paying for your gas and electricity, and what to do if you re having difficulty paying a bill. Section Contents Page

More information

Lots of ways to pay. Paying for your gas and electricity. britishgas.co.uk

Lots of ways to pay. Paying for your gas and electricity. britishgas.co.uk Lots of ways to pay Paying for your gas and electricity britishgas.co.uk Paying for your energy This booklet explains the different ways in which you can pay for your energy supply, and what to do if you

More information

Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT?

Housing and Public Protection Department. Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Housing and Public Protection Department Homeless Prevention ARE YOU A PRIVATE TENANT HAVING PROBLEMS PAYING YOUR RENT? Wrexham County Borough Council's Homelessness Service may be able to help Alternative

More information

Help with payment problems

Help with payment problems Help with payment problems ADVICE AND INFORMATION H E L P... Here to help If you are having problems paying your water bill, please get in touch with us as soon as possible. We understand that customers

More information

britishgas.co.uk Lots of ways to pay Paying for your gas and electricity

britishgas.co.uk Lots of ways to pay Paying for your gas and electricity britishgas.co.uk Lots of ways to pay Paying for your gas and electricity Paying for your energy This booklet explains the different ways in which you can pay for your energy supply, and what to do if you

More information

How to get help if you can t pay your bill

How to get help if you can t pay your bill How to get help if you can t pay your bill Code of Practice 1 - Code of Practice Please tell us straight away if you are having difficulty in paying. We are always happy to help. Call our customer helpline

More information

Do you need something fixed? We re ready to help

Do you need something fixed? We re ready to help Glasgow Housing Association www.gha.org.uk Your repairs Repairs and maintenance Do you need something fixed? We re ready to help Better homes, better lives Repairs and maintenance Because you re a GHA

More information

Paying Your Rent. Information and advice

Paying Your Rent. Information and advice Paying Your Rent Information and advice AH72 Revised September 2009 Paying Your Rent Your rent is due weekly in advance each Monday. Please let us know if you would prefer to pay fortnightly or monthly.

More information

Are you in danger of losing your home?

Are you in danger of losing your home? Are you in danger of losing your home? Help is at hand. Mortgage to Rent scheme Mortgage to Shared Equity scheme The Scottish Government Home Owners Support Fund What are the Mortgage to Rent and Mortgage

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

INTRODUCTION. Make sure you do all you can to find work

INTRODUCTION. Make sure you do all you can to find work welcome guide INTRODUCTION Universal Credit s been set up to make sure you get the support you need to find and progress in work, and benefit from all the positives having a job brings. Put simply, if

More information

For more information. This leaflet is available on request in other formats such as large print and languages other than English.

For more information. This leaflet is available on request in other formats such as large print and languages other than English. For more information This Code of practice is approved by Ofwat and forms part of a suite of code of practice leaflets available to customers. This leaflet is available on request in other formats such

More information

KEY METER YOUR HEAT PAY AS YOU GO GETTING IN TOUCH WITH US

KEY METER YOUR HEAT PAY AS YOU GO GETTING IN TOUCH WITH US GETTING IN TOUCH WITH US HEAT PAY AS YOU GO 0800 980 8348 Phone for all general enquiries about your pay as you go meter. Open 8am to 8pm Monday to Friday and 8am to 2pm on Saturday. All calls are free.

More information

credit card Your Welcome Guide

credit card Your Welcome Guide credit card Your Welcome Guide We d like to welcome you as a new Co-operative Membership credit card holder. Welcome This guide tells you all you need to know to make the most of your Co-operative Membership

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Services for customers with individual needs

Services for customers with individual needs Services for customers with individual needs Introduction As a Southern Water customer, you are entitled to expect the highest standards of service from us. We always try to give all our customers the

More information

Household water charges, payment options and debt recovery. code of practice

Household water charges, payment options and debt recovery. code of practice Household water charges, payment options and debt recovery code of practice This leaflet forms part of our Customer Code of Practice, which provides a guide to the services we provide for household customers.

More information

GUIDE TO DEALING WITH DEBT

GUIDE TO DEALING WITH DEBT GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What

More information

Personal banking (current, select deposit and youth accounts)

Personal banking (current, select deposit and youth accounts) Personal banking (current, select deposit and youth accounts) Terms and conditions Apply from June 2015 Includes: Junior Saver Account Student 12 to 18 Account Student+ Account Graduate Account Basic Bank

More information

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions

Initial Charge waived ISA. Class R GBP Application forms 2015/2016 Terms and conditions Initial Charge waived 0% ISA Class R GBP Application forms 2015/2016 Terms and conditions ISA terms and conditions Definitions Account Account holding your Investments in an ISA. Additional Permitted Subscription

More information

Managing. debt. domestic customers. the collection of. debt for. Our code of practice:

Managing. debt. domestic customers. the collection of. debt for. Our code of practice: Managing debt Our code of practice: the collection of debt for domestic customers The water services we provide to your property have to be paid for, but we know that finding the money to pay bills can

More information

Direct Debit Form & Pre-Contract Credit Information for Household policies. (Standard European Consumer Credit Information)

Direct Debit Form & Pre-Contract Credit Information for Household policies. (Standard European Consumer Credit Information) Direct Debit Form & Pre-Contract Credit Information for Household policies (Standard European Consumer Credit Information) Please fill in the whole form including official use box using a ball point pen

More information

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY

RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY RENT COLLECTION, ARREARS & DEBT RECOVERY POLICY Approved by Board 21 July 2009 1. Introduction 1.1 This Policy sets out the principles and approach to be taken in making sure that rent and service charge

More information

Dealing with a common repair? Here are some helpful hints

Dealing with a common repair? Here are some helpful hints YourPlace Property Management www.your-place.net Part of the GHA family YourPlace Common repairs Dealing with a common repair? Here are some helpful hints Your place is our business Common repairs This

More information

Group Personal Pension

Group Personal Pension Application Form (For employed or self-employed individuals) Who this form is for When we refer to Standard Life we mean Standard Life Assurance Limited This form is for employees, or self-employed individuals

More information

Code of Practice on payment and debt recovery

Code of Practice on payment and debt recovery Code of Practice on payment and debt recovery southwestwater.co.uk This Code of Practice applies to domestic customers only. This Code is one of a number of Codes of Practice which have been approved by

More information

Dealing with debt - toolkit Information from Southampton City Council. Step 5. Tackle the most important debts first

Dealing with debt - toolkit Information from Southampton City Council. Step 5. Tackle the most important debts first Dealing with debt - toolkit Information from Southampton City Council Step 5. Tackle the most important debts first Step 5. Tackle the most important debts first priority creditors. Some debts are more

More information

application for help with your water bills

application for help with your water bills Debt and budgeting advice can help you to: 4 Boost your income: Find out about extra benefits, tax credits and schemes. 4 Manage your money: Stay on top of essential bills and keep your spending on track.

More information

Current Account Conditions and AccounT Information.

Current Account Conditions and AccounT Information. Current Account Conditions and AccounT Information. If you open an account with us it will be with Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough

More information

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

Phoneline Banking Mobile Banking Cash machines Branches Online Banking www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch Phoneline Banking Mobile Banking Cash machines Branches Online Banking Ways to Bank Secure and convenient banking options to fit your lifestyle www.firsttrustbank.co.uk 028 9034 6034 Ask at any branch

More information

HALIFAX CASH ISA. Conditions and information

HALIFAX CASH ISA. Conditions and information HALIFAX CASH ISA. Conditions and information Welcome to Halifax 3 Section 1 How these conditions work 5 Section 2 Special Conditions 7 ISA Saver Variable 12 ISA Saver Online 13 ISA Saver Fixed 14 Junior

More information

application for help with your water bills

application for help with your water bills roblems paying Debt and budgeting advice can help you to: 4 Boost your income: Find out about extra benefits, tax credits and schemes. 4 Manage your money: Stay on top of essential bills and keep your

More information

Access to bank accounts Toolkit for staff and volunteers

Access to bank accounts Toolkit for staff and volunteers Access to bank accounts Toolkit for staff and volunteers Why having a bank account is important Having a bank account is important for a number of reasons: Paying bills by direct debit can cost less, even

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works May 2015 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees 4 Valuation

More information

There is a better way Accord is a grown up union

There is a better way Accord is a grown up union There is a better way Accord is a grown up union Who are we? Accord is an independent trade union, affiliated to the TUC. Membership stands at around 30,000. Accord is dedicated to representing its members

More information

Civil legal aid information for applicants

Civil legal aid information for applicants Civil legal aid information for applicants This leaflet covers both civil legal aid and advice and assistance Solicitors you must give this leaflet to clients before they complete a financial eligibility

More information

Basic cash account. This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details.

Basic cash account. This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Basic cash account www.bankofireland.co.uk This document can be made available in Braille, large print or audio upon request. Please ask any member of staff for details. Bank of Ireland UK is a trading

More information

Membership application form

Membership application form Your local banking choice Membership application form Your local choice for savings, loans and current account creditunion.co.uk Introducing London Mutual Credit Union London Mutual Credit Union is a locally

More information

What to do if you are facing mortgage repossession in Scotland

What to do if you are facing mortgage repossession in Scotland What to do if you are facing mortgage repossession in Scotland A guide for homeowners and their advisors Includes information about services for those living in or around Glasgow and in Inverclyde About

More information

Take a closer look at your Prepayment Meter

Take a closer look at your Prepayment Meter Take a closer look at your Prepayment Meter Your questions answered Let s talk about prepayment meters How do they work? This quick guide gives you lots of information about prepayment meters, such as:

More information

Debt recovery. code of practice

Debt recovery. code of practice Debt recovery code of practice We want to help As a Wessex Water customer, you are entitled to a high level of service from us and our billing company Bristol Wessex Billing Services Limited (BWBSL). In

More information

Code of Practice on Payment and Debt Recovery

Code of Practice on Payment and Debt Recovery Code of Practice on Payment and Debt Recovery southwestwater.co.uk Code of Practice on Debt and Payment Recovery In this leaflet we explain our policies if you fall into debt and what you can do to get

More information

Housing Benefit and Council Tax Reduction Change of Address form.

Housing Benefit and Council Tax Reduction Change of Address form. Housing Benefit and Council Tax Reduction Change of Address form. Name Address Don t delay claim today! Please return this form as quickly as possible, even if you do not have everything we ask for. You

More information

Prepayment Meters ( Pay As You Go ) A ScottishPower Charter

Prepayment Meters ( Pay As You Go ) A ScottishPower Charter Prepayment Meters ( Pay As You Go ) Page 1 Introduction This charter tells you what you need to know about using a prepayment meter to pay for your electricity or gas. Section Contents Page 1 What You

More information

Factoring Services. for owners & sharing owners. www.thenuehousing.co.uk

Factoring Services. for owners & sharing owners. www.thenuehousing.co.uk Factoring Services for owners & sharing owners www.thenuehousing.co.uk How do I find out about my legal rights and obligations as an owner? The legal documents which define the rules relating to the shared

More information

Code of Practice on Payment and Debt Recovery

Code of Practice on Payment and Debt Recovery 1 Code of Practice on Payment and Debt Recovery 2 In this leaflet we explain our policies if you fall into debt and what you can do to get help and support if you are having problems paying a water bill.

More information

Our service to you. Paying for gas and electricity

Our service to you. Paying for gas and electricity Our service to you Paying for gas and electricity 1 How to contact us If you would like more information on any of the services described in this booklet, please contact us. For details of how to contact

More information

Opening a bank account

Opening a bank account Opening a bank account There are two main types of bank account. We ve outlined the main features and benefits for you. There s also a guide to the most common banking terms in case you re unsure. Some

More information

Rent Arrears Recovery Policy

Rent Arrears Recovery Policy Rent Arrears Recovery Policy 2013-16 July 2013 Version 1.0 Version Control Policy Author Version Number Date Status Comments Finance and Incomes Manager Draft 1.0 24 July 2013 New Approval Body Effective

More information

Tenants, Sharing Owners and Factored Customers. Your Questions Answered. Dunedin Canmore and Wheatley Partnership Consultation

Tenants, Sharing Owners and Factored Customers. Your Questions Answered. Dunedin Canmore and Wheatley Partnership Consultation Dunedin Canmore and Wheatley Partnership Consultation Tenants, Sharing Owners and Factored Customers Your Questions Answered Leaders in Building Communities where People Choose to Live Dunedin Canmore

More information

Paying your bill. Code of practice. The standards of service you can expect from us

Paying your bill. Code of practice. The standards of service you can expect from us Paying your bill Code of practice The standards of service you can expect from us 2 Severn Trent Water Paying your bill Contents 1. Your bill 3 2. I m having difficulty paying my bill, what should I do?

More information

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet

Help us to help you. Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Debt Recovery Remember, we will not take debt recovery action against you if: you follow the steps within this leaflet Help us to help you The advice in this leaflet is very important. It incorporates

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

Advice Centre UTILITY BILLS. This leaflet gives information about utility bills, suppliers and what to do when moving in and out of a house.

Advice Centre UTILITY BILLS. This leaflet gives information about utility bills, suppliers and what to do when moving in and out of a house. Advice Centre UTILITY BILLS This leaflet gives information about utility bills, suppliers and what to do when moving in and out of a house. 2014/15 UTILITY BILLS Most tenants of private sector rented

More information

Current Accounts User Guide. Information to help you make the most of your current account.

Current Accounts User Guide. Information to help you make the most of your current account. Current Accounts User Guide Information to help you make the most of your current account. Current Accounts User Guide Contents What to expect 04 If you ve just opened an account 04 If you ve just opened

More information

Bridgewater Housing Association Ltd Policy

Bridgewater Housing Association Ltd Policy Bridgewater Housing Association Ltd Policy Approved committee on by 5 August 1998 31 March 1999 26 April 2000 25 September 2002 30 November 2005 17 December 2008 Review Date: 16 December 2011 Ref: Arrears

More information

Land Registry Paying for Land Registry services by variable direct debit. Version 12, January 2016. Land Registry Variable Direct Debit Scheme

Land Registry Paying for Land Registry services by variable direct debit. Version 12, January 2016. Land Registry Variable Direct Debit Scheme Land Registry Paying for Land Registry services by variable direct debit Version 12, January 2016 Land Registry Variable Direct Debit Scheme Variable direct debit scheme details A variable direct debit

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

AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS

AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS AVIVA INVESTORS INVESTMENT FUNDS APPLICATION FORM FOR INDIVIDUALS Please use this form to invest in the Aviva Investors range of funds. This form cannot be used for the Aviva Investors Investment ISA.

More information

NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY

NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY NATIONAL NON DOMESTIC RATES BILLING, COLLECTION AND ENFORCEMENT POLICY AIMS OF THE POLICY 1 To advise customers of their National Non Domestic Rates liability as soon as possible 2 To help customers receive

More information

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears

Guidance. For use in the United Kingdom. Letter regarding mortgage debt or arrears Guidance For use in the United Kingdom Letter regarding mortgage debt or arrears Contents Purpose of this document What can you do about mortgage arrears? Mortgage rescue schemes Selling your property

More information

Business Banking Reference Guide. The Works: Getting the most from your Business Account

Business Banking Reference Guide. The Works: Getting the most from your Business Account Business Banking Reference Guide The Works: Getting the most from your Business Account Business Banking Reference Guide Contents Your transaction tools and records 03 Types of transactions 09 Visa debit

More information

Our House. How to place a property in trust for someone with a learning disability. Trust Company

Our House. How to place a property in trust for someone with a learning disability. Trust Company Our House How to place a property in trust for someone with a learning disability Trust Company Mencap Trust Company Limited and Golden Lane Housing are working together to provide a service that helps

More information

Junior Stocks & Shares ISA

Junior Stocks & Shares ISA Junior Stocks & Shares ISA All questions must be completed Please complete in block capitals and black ink. I apply to open a Junior Stocks & Shares ISA. Please note: You cannot apply for a Junior Stocks

More information

OEIC Application Form

OEIC Application Form OEIC Application Form Please read the relevant Key Investor Information Document (KIID) and Supplementary Information Document before completing this application form. The Architas Open-Ended Investment

More information

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925

Our personal current accounts. Switch to First Trust Bank. Ask at any branch 0845 6005 925 Our personal current accounts Switch to First Trust Bank Ask at any branch 0845 6005 925 Welcome to First Trust Bank We offer you all the benefits you would expect from your bank; a great range of quality

More information

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public

Debt options. What to do if you re having trouble paying your tax on time. IR 582 April 2015. Classified Inland Revenue Public Debt options What to do if you re having trouble paying your tax on time IR 582 April 2015 Classified Inland Revenue Public Contents About this guide 3 Why paying tax matters 4 Struggling to pay a tax

More information

Junior Stocks & Shares ISA

Junior Stocks & Shares ISA Junior Stocks & Shares ISA All questions must be completed Please complete in block capitals and black ink. I apply to open a Junior Stocks & Shares ISA. Please note: You cannot apply for a Junior Stocks

More information

APPLICATION FOR Private Rental Assistance Ask if you need help with this form

APPLICATION FOR Private Rental Assistance Ask if you need help with this form ALL APPLICATIONS MUST INCLUDE PROOF OF IDENTIFICATION Housing SA APPLICATION FOR Private Rental Assistance Ask if you need help with this form The information you provide on this form will be used by Housing

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New edition July 2009 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux

More information

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions

YOUR BANKING RELATIONSHIP WITH US. Personal Banking terms and conditions YOUR BANKING RELATIONSHIP WITH US Personal Banking terms and conditions July 2015 Changes to your Bank Account or Savings Account Conditions We are making some changes to the conditions that apply to our

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

Pollok Credit Union. Members Information Pack

Pollok Credit Union. Members Information Pack Members Information Pack Pollok Office Pollok Credit Union Silverburn Shopping Centre Barrhead Rd Glasgow G53 6QR Tel: 0141 880 7888 Shawlands Office Pollok Credit Union 17 Kilmarnock Rd Shawlands Glasgow

More information

Basic Current Account Information and Specific Conditions

Basic Current Account Information and Specific Conditions Basic Current Account Information and Specific Conditions Current Accounts Information Contents The Basic Current Account 03 Opening your Basic Current Account 03 What to expect once we have opened your

More information

Business Rates 2013/2014. stirling.gov.uk phone 0845 277 7000 text 07717 990 001

Business Rates 2013/2014. stirling.gov.uk phone 0845 277 7000 text 07717 990 001 Business Rates 2013/2014 stirling.gov.uk phone 0845 277 7000 text 07717 990 001 Business rates Rates are a tax on business properties. The rates charged for each property is determined by the rateable

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New edition July 2010 Are you worried about your mortgage? Get advice now If you are struggling to pay your mortgage, act now to stop your situation becoming worse. Working with Citizens Advice Bureaux

More information

Court fees are payable at the time you file any document or commence any process requiring a fee, unless otherwise stated.

Court fees are payable at the time you file any document or commence any process requiring a fee, unless otherwise stated. EX50 Civil and Family Court Fees High Court and County Court - From April 2011 Important information This leaflet sets out a selection of civil and family court fees. It is not the full list, neither is

More information

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.

Saffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co. Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England

More information

Immediate Vesting Personal Pension Plan Key features

Immediate Vesting Personal Pension Plan Key features Immediate Vesting Personal Pension Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is the independent financial services regulator.

More information