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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 |
Banking Code |
Charges |
Complaints |
Charitable assignment |
ID Requirements |
Unable to Make Your Mortgage Repayments |
Useful Contacts
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 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 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 £35,000 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.
Banking Code
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Leek United Building Society subscribes to the Banking Code. More details are available on www.bankingcode.org.uk. Alternatively, if you would like a copy of the Code, please ask any member of staff at any branch or call us on freephone 0800 093 0002.
Leek United Building Society subscribes to the Banking Code. More details are available on www.bankingcode.org.uk. Alternatively, if you would like a copy of the Code, please ask any member of staff at any branch or call us on freephone 0800 093 0002.
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 click here to 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 click here to 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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If you are having trouble paying your mortgage we will try to help you. The information below explains how we will treat you fairly and what steps you should take to help yourself.
If you are having trouble paying your mortgage we will try to help you. The information below explains how we will treat you fairly and what steps you should take to help yourself.
We will
What you can do to help us
Joint borrowers
If you are a joint borrower then you are equally responsible for ensuring that the monthly repayments are made, even if the court has ordered that the property be transferred to the other party. You should keep the society informed of your current address so that we may send you a copy of any correspondence.
Costs and charges
If you are in arrears, we may charge you for reasonable administrative and legal costs. We will tell you the amount you will have to pay.
If we cannot agree on a solution
If you do not think we have treated you fairly, you can complain to:
Mick West (Mortgage Administration Controller)
50 St Edwards Street, Leek, Staffordshire. ST13 5DL
If your complaint is not dealt with to your satisfaction, you may then take it to the Financial Ombudsman. The Financial Ombudsman Service provides a free and independent service for consumers and can be contacted at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0845 080 1800
Other issues
Some companies may offer you new loans or even invite you to sell your property to them and then lease it back as a way of resolving your short term financial difficulty. Please be careful, as such actions may not be in your long-term best interests. We would advise you to seek independent advice before entering into any arrangement of this type.
You may be thinking about handing your keys over to us. If you do this, you will still owe us any outstanding debt and we would advise you to discuss this option with us before taking such action.
- Contact you as soon as possible to discuss your problem.
- Talk to an agency which gives debt advice (for example, Citizens' Advice), if you want us to.
- Give you reasonable time to pay back the debt.
- Only start proceedings to repossess your home if we cannot solve the problem with you.
- Arrange a new payment plan with you, taking your and our interests into account.
- Change the way you make your payments, or the date you make them.
- Allow you to pay back your mortgage over a longer period of time (which would reduce your monthly payments).
- Change the type of mortgage.
What you can do to help us
- Tell us as soon as possible if you are having problems repaying your mortgage or think that you might experience problems shortly (see 'Contacts' below).
- Seek debt advice if you would like help with managing your finances.
- Contact us quickly, if we try to contact you.
- Make sure you keep any other people paying the mortgage, and anyone guaranteeing the mortgage, up to date with what is happening.
- Keep to the payment plan we agree with you, or tell us if there is a change in your circumstances which may affect the arrangement. If you do not make the agreed payments, we might have to go to court to get back any money you owe us, or to repossess your property.
- Check whether you can get any state benefits or tax credits, which could help to increase your income.
- If you have an insurance policy, check whether it would help with your payments.
- Tell us if you move to a new address.
Joint borrowers
If you are a joint borrower then you are equally responsible for ensuring that the monthly repayments are made, even if the court has ordered that the property be transferred to the other party. You should keep the society informed of your current address so that we may send you a copy of any correspondence.
Costs and charges
If you are in arrears, we may charge you for reasonable administrative and legal costs. We will tell you the amount you will have to pay.
If we cannot agree on a solution
- We may go to court to start proceedings to repossess your home. If proceedings take place, we strongly recommend that you attend the court and that you seek independent debt advice.
- Starting court proceedings does not necessarily mean that we will repossess your home. We will keep trying to solve the problem with you. Possession is a last resort.
- Before we repossess your home, we will give you advice about getting in touch with your local authority to see if they can find you somewhere else to live.
- We will sell it for the best price we can reasonably get. We will try to sell it as soon as possible.
- We will give you reasonable time to take your possessions from your home.
- We will use the money raised from selling your home to pay your mortgage and any other loans or charges.
- If there is any money left over, we will pay it to you.
- If there is not enough money from the sale to pay the whole mortgage, you will still owe us the amount that is left (a shortfall debt). We will tell you what this is as soon as possible.
- If you bought your home with other borrowers, each of you is responsible for all the money borrowed. This is true even if you normally only pay part of the mortgage.
- We will contact you within six years of selling your property to arrange for you to pay back what you still owe.
- We will take account of your income and outgoings when we arrange a payment plan for this shortfall debt with you. But if we cannot arrange a suitable plan, we may go to court to get our money back. You might have to pay additional court costs.
- If a shorfall debt is not paid, it could affect whether you are able to get credit in future.
If you do not think we have treated you fairly, you can complain to:
Mick West (Mortgage Administration Controller)
50 St Edwards Street, Leek, Staffordshire. ST13 5DL
If your complaint is not dealt with to your satisfaction, you may then take it to the Financial Ombudsman. The Financial Ombudsman Service provides a free and independent service for consumers and can be contacted at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0845 080 1800
Other issues
Some companies may offer you new loans or even invite you to sell your property to them and then lease it back as a way of resolving your short term financial difficulty. Please be careful, as such actions may not be in your long-term best interests. We would advise you to seek independent advice before entering into any arrangement of this type.
You may be thinking about handing your keys over to us. If you do this, you will still owe us any outstanding debt and we would advise you to discuss this option with us before taking such action.
Useful Contacts
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Leek United
To confidentially discuss any repayment issues you may have, please contact either of the following persons between the hours of 9.00am & 5.00pm:
Tracy Raynor – direct line – 01538 392431
Ann Thurstan – direct line – 01538 392469
Other organisations that can help you if you have money problems
Advice UK
020 7407 4070
www.adviceuk.org.uk
All members provide free and confidential advice, but not all provide money advice.
Citizens Advice Bureau (CAB)
(UK and Northern Ireland)
Look in the Phone Book or on the CAB website for the telephone number of your local bureau.
Consumer Credit Counseling Service (CCCS)
0800 138 1111 (freephone)
www.ccss.co.uk
Offers a structured programme of advice on how to manage your money.
Credit Action
0800 138 1111 (freephone)
www.creditaction.org.uk
Works in partnership with the CCSS and publishes factsheets about debt and budgeting
National Debtline
0808 808 4000 (freephone)
www.nationaldebtline.co.uk
Provides a free, confidential and independent telephone advice service.
Business Debtline
0800 197 6026 (freephone)
www.bdl.org.uk
Free, confidential and independent advice for self-employed people and small businesses.
Payplan
0800 917 7823
www.payplan.com
Free confidential advice on debt problems.
Other helpful contacts:
The Community Legal Service
www.clsdirect.org.uk
Aims to make it easier for the public to get legal help and advice – look on its website for details of agencies in your area.
Jobcentre Plus Office
Your local office can tell you if you are eligible for any State benefits – look in your Phone Book for details.
Directgov
Tax credits helpline – 0845 300 3900Minicom/Textphone – 0845 300 3909 www.directgov.gov.uk
(money, tax and benefits link) for information about tax credits.
Leek United
To confidentially discuss any repayment issues you may have, please contact either of the following persons between the hours of 9.00am & 5.00pm:
Tracy Raynor – direct line – 01538 392431
Ann Thurstan – direct line – 01538 392469
Other organisations that can help you if you have money problems
Advice UK
020 7407 4070
www.adviceuk.org.uk
All members provide free and confidential advice, but not all provide money advice.
Citizens Advice Bureau (CAB)
(UK and Northern Ireland)
Look in the Phone Book or on the CAB website for the telephone number of your local bureau.
Consumer Credit Counseling Service (CCCS)
0800 138 1111 (freephone)
www.ccss.co.uk
Offers a structured programme of advice on how to manage your money.
Credit Action
0800 138 1111 (freephone)
www.creditaction.org.uk
Works in partnership with the CCSS and publishes factsheets about debt and budgeting
National Debtline
0808 808 4000 (freephone)
www.nationaldebtline.co.uk
Provides a free, confidential and independent telephone advice service.
Business Debtline
0800 197 6026 (freephone)
www.bdl.org.uk
Free, confidential and independent advice for self-employed people and small businesses.
Payplan
0800 917 7823
www.payplan.com
Free confidential advice on debt problems.
Other helpful contacts:
The Community Legal Service
www.clsdirect.org.uk
Aims to make it easier for the public to get legal help and advice – look on its website for details of agencies in your area.
Jobcentre Plus Office
Your local office can tell you if you are eligible for any State benefits – look in your Phone Book for details.
Directgov
Tax credits helpline – 0845 300 3900Minicom/Textphone – 0845 300 3909 www.directgov.gov.uk
(money, tax and benefits link) for information about tax credits.