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Applicable law |
Website |
Regulatory information |
Home and contents insurance |
Payment Protection Insurance |
Pure protection insurance |
Leek United Financial Services Limited |
Financial Services Compensation Scheme |
Charges |
Complaints |
Charitable assignment |
ID Requirements |
Unable to Make Your Mortgage Repayments
Applicable law
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The services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction. The terms and conditions of use of this website are governed by the laws of England and Wales and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
The services and products on this website are intended for use by residents of the United Kingdom only, and are not aimed at or intended for use by residents of any other jurisdiction. The terms and conditions of use of this website are governed by the laws of England and Wales and any dispute regarding this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.
Website
Regulatory information
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Leek United Building Society is authorised and regulated by the Financial Services Authority (registration number 100014).
Leek United Building Society is authorised and regulated by the Financial Services Authority (registration number 100014).
Home and contents insurance
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Home and Contents insurance is underwritten by Royal & Sun Alliance Insurance plc (No 93792). Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex. RH12 1XL. Authorised and regulated by the Financial Services Authority. (Reg No: 202323)
Home and Contents insurance is underwritten by Royal & Sun Alliance Insurance plc (No 93792). Registered in England and Wales at St Mark's Court, Chart Way, Horsham, West Sussex. RH12 1XL. Authorised and regulated by the Financial Services Authority. (Reg No: 202323)
Payment Protection Insurance
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Payment Protection Insurance is provided by Pinnacle Insurance plc, Pinnacle House, A1 Barnett Way, Borehamwood, Herts, WD6 2XX. (Reg No: 1007798)
Payment Protection Insurance is provided by Pinnacle Insurance plc, Pinnacle House, A1 Barnett Way, Borehamwood, Herts, WD6 2XX. (Reg No: 1007798)
Pure protection insurance
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Pure Protection Insurance is provided by Legal & General Assurance Society Limited, Registered in England (number 166055) at One Coleman Street, London, EC2R 5AA.
Pure Protection Insurance is provided by Legal & General Assurance Society Limited, Registered in England (number 166055) at One Coleman Street, London, EC2R 5AA.
Leek United Financial Services Limited
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Leek United Financial Services Limited is a wholly owned direct subsidiary of Leek United Building Society Registered Office: Norbury House, 50 St Edward Street, Leek, Staffs ST13 5DL. Reg. No. 4294118.
Leek United Financial Services Limited is a wholly owned direct subsidiary of Leek United Building Society Registered Office: Norbury House, 50 St Edward Street, Leek, Staffs ST13 5DL. Reg. No. 4294118.
Financial Services Compensation Scheme
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Leek United Building Society is a member of the Financial Services Compensation Scheme ("FSCS").
The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim:
Leek United Building Society is a member of the Financial Services Compensation Scheme ("FSCS").
The Scheme can pay compensation to customers if a regulated firm is unable to pay claims against it, usually if the firm stops trading or is insolvent. Compensation limits apply depending on the type of claim:
- Payments are limited to the first £50,000 of an investor's total share and/or deposits in a building society. The payment is calculated by reference to all the investor's protected shares with, and deposits in, the society.
- Investments - maximum £48,000 per person (100% of the first £30,000 and 90% of the next £20,000)
- Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £48,000 per person (100% of the first £30,000 and 90% of the next £20,000)
- Long-term insurance (e.g. pensions and life assurance): unlimited. (100% of the first £2,000 plus 90% of the remainder of the claim)
- General Insurance: unlimited. Compulsory insurance (e.g. third party motor): 100% of the claim. Non-compulsory insurance (e.g. home and general): 100% of the first £2,000 plus 90% of the remainder of the claim
- General insurance advice and arranging: unlimited (for business conducted on or after 14 January 2005). 100% of the first £2,000 plus 90% of the remainder of the claim.
Exclusions:
As a customer of Leek United Building Society your account(s) with us are covered by the FSCS up to the maximum of £50,000 per person, unless you are:
As a customer of Leek United Building Society your account(s) with us are covered by the FSCS up to the maximum of £50,000 per person, unless you are:
- A large company
- A large partnership
- A large mutual association
- A local, provincial or municipal authority
- A credit institution
- An overseas financial services institution
- An operator or trustee of a collective investment scheme
- A pension and retirement fund or a trustee of such a fund
- A supranational institution
- A government, or central administrative authority
- A firm within the Leek United Building Society group
- A person whose claim arises from the transactions relating to a conviction they have received for money laundering.
Charges
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We may make charges for items relating to the operation of your account. Full details can be found in our charges leaflets.
Click here to view our Mortgage Fees and Charges leafet.
Click here to view our Savings Fees and Charges leaflet.
We may make charges for items relating to the operation of your account. Full details can be found in our charges leaflets.
Click here to view our Mortgage Fees and Charges leafet.
Click here to view our Savings Fees and Charges leaflet.
Complaints
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At Leek United we are committed to the highest standards of customer care. We want to know what you have to say about our services and our products. Your comments and your complaints will help us to shape our service to match your needs in the future. We welcome your positive comments and suggestions for service improvements, which can be made using our Contact Us form.
If you have a complaint, we will always take it seriously. The following guide will be helpful in describing what happens:
First of all, we would ask you to discuss the issue with the manager of the branch or the department, where you feel the problem has occurred. Contact may be made in writing or in person, via e-mail or by telephone. The manager will attempt to deal with it immediately and, in any case, will respond within five working days. The response will give the name of the person dealing with the complaint.
We will always try to resolve your complaint without delay and keep you informed of progress.
If, however, we fail to resolve your complaint within four weeks, we will let you know how your complaint is progressing and also indicate when we expect your complaint to be resolved. Within eight weeks, we will advise you of the outcome of the investigation.
In the event that your complaint cannot be satisfied or remains unresolved, we will provide details of the Financial Ombudsman Service. You then have six months to refer your complaint to the Ombudsman Service.
Our Getting it Right? PDF clearly explains the steps to take in order to make a complaint.
You can also write to us at the address below to obtain a copy:
Leek United Building Society,
50 St. Edward Street,
Leek, Staffordshire
ST13 5DL.
At Leek United we are committed to the highest standards of customer care. We want to know what you have to say about our services and our products. Your comments and your complaints will help us to shape our service to match your needs in the future. We welcome your positive comments and suggestions for service improvements, which can be made using our Contact Us form.
If you have a complaint, we will always take it seriously. The following guide will be helpful in describing what happens:
First of all, we would ask you to discuss the issue with the manager of the branch or the department, where you feel the problem has occurred. Contact may be made in writing or in person, via e-mail or by telephone. The manager will attempt to deal with it immediately and, in any case, will respond within five working days. The response will give the name of the person dealing with the complaint.
We will always try to resolve your complaint without delay and keep you informed of progress.
If, however, we fail to resolve your complaint within four weeks, we will let you know how your complaint is progressing and also indicate when we expect your complaint to be resolved. Within eight weeks, we will advise you of the outcome of the investigation.
In the event that your complaint cannot be satisfied or remains unresolved, we will provide details of the Financial Ombudsman Service. You then have six months to refer your complaint to the Ombudsman Service.
Our Getting it Right? PDF clearly explains the steps to take in order to make a complaint.
You can also write to us at the address below to obtain a copy:
Leek United Building Society,
50 St. Edward Street,
Leek, Staffordshire
ST13 5DL.
Charitable assignment
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All new customers opening a savings account which gives membership of the Society, will be required to sign a declaration assigning to the Charities Aid Foundation any windfall conversion benefits to which they might become entitled. This agreement will last for the first five years of membership after which the declaration will cease to have an effect for the member in question. Full details can be found in our Charitable Assignment Scheme PDF.
All new customers opening a savings account which gives membership of the Society, will be required to sign a declaration assigning to the Charities Aid Foundation any windfall conversion benefits to which they might become entitled. This agreement will last for the first five years of membership after which the declaration will cease to have an effect for the member in question. Full details can be found in our Charitable Assignment Scheme PDF.
ID Requirements
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Savings
When you apply for a new account, you will need to provide identification to confirm your identity and address. Please view our 'Proving your Identity' leaflet.
Mortgages
Identity must be verified by obtaining at least one item from List A and at least one item from List B below:
List A (proof of name)
Savings
When you apply for a new account, you will need to provide identification to confirm your identity and address. Please view our 'Proving your Identity' leaflet.
Mortgages
Identity must be verified by obtaining at least one item from List A and at least one item from List B below:
List A (proof of name)
- Current UK drivers licence
- Current UK passport
- Benefit or pension book
- Credit or debit card statement
- Armed forces, police, fire or ambulance ID card
- Disability badge, which includes a photograph
(Preferably passport)
- Bank/building society statement (savings/mortgage) or credit card statement less than three months old
- Utility bill (gas, electric, telephone, council tax) les than three months old
- Latest insurance renewal notice
- Notice of tax coding
- Vehicle registration document
- Medical card
- Building society passbook
- Current UK drivers licence
- Pension/benefit book
(Items must show address)
Unable to Make Your Mortgage Repayments
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Are you having difficulties in paying your mortgage?
Don't bury your head in the sand.
No matter what the size of your financial difficulties, there are steps you can take in order to tackle them.
In order to help you work your way through your difficulties, we have detailed below five action points you should consider as soon as possible:
1. Leek United's Arrears Policy - click here to view our policy.
2. Look at the options available to you - click here to see your options.
3. Look at your income and expenditure and identify where you can save costs - click here for a form to help you list these.
4. Get advice from one of the free advice agencies - click here to see a list.
5. Open all your post. It is important that you respond to all communications even if you cannot make a repayment.
See also, our 'Survival Guide' - click here.
Are you having difficulties in paying your mortgage?
Don't bury your head in the sand.
No matter what the size of your financial difficulties, there are steps you can take in order to tackle them.
In order to help you work your way through your difficulties, we have detailed below five action points you should consider as soon as possible:
1. Leek United's Arrears Policy - click here to view our policy.
2. Look at the options available to you - click here to see your options.
3. Look at your income and expenditure and identify where you can save costs - click here for a form to help you list these.
4. Get advice from one of the free advice agencies - click here to see a list.
5. Open all your post. It is important that you respond to all communications even if you cannot make a repayment.
See also, our 'Survival Guide' - click here.