List of Authorised Credit Unions
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The Green Scene
The Green Scene Issue 20 The newsletter of the Seacroft Green Residents Association Winter 2012 Marvellous Mistletoe SEACROFT CHRISTMAS Mistletoe is probably the most mysterious of the plants JUBILEE GALA we use to decorate our homes at Christmas, with a th folklore dating back into prehistory. Saturday 15 December 2012 3.00pm. - 6.00pm. Mistletoe is a parasite plant which relies on the host tree for its water and minerals. This parasitic habit, as well as its unusual form, may account for mistletoe’s place in mythology as the ‘plant that lives in the sky and never touches the ground’. The Druids linked mistletoe to new life and fertility - hence our tradition of Twinkling lights and stilt walking elves will be there to ‘kissing under the mistletoe’! th guide you round the activity trail on Saturday 15 Mistletoe is an evergreen with unusual winter ripening December 2012 when Seacroft Christmas Jubilee Gala berries. Pliny the Elder (23-79AD) reported that the takes place. Druids grew mistletoe on their sacred oaks and its winter greenery was seen as particularly special. From 3.00pm until 6.00pm there will be family activities and lots of seasonal fun centred round St James Some of the world’s mistletoes grow on just a few host Church, Seacroft Village Hall, The Cricketer’s Arms, species. It needs hosts to be in an open situation so Seacroft Methodist Chapel and King George’s Garden. won’t grow well in deep woods or forests. The fun starts at 3.00pm at the Christmas tree on the It grows typically in hedgerows, open parkland, village green (weather permitting) followed by a short gardens, churchyards and orchards. -
In January 1978 Kesho Systems Began Trading with the Express
In January 1978 Kesho Systems began trading with the express purpose of developing and providing powerful, flexible, state of the art software for accountants in practice by utilising the sophisticated features of emerging micro-computer technology. The philosophy, which led to this decision, was two fold. First, it seemed sensible to target a respectable, professional market, which recognised the benefits of computerised accounting. Secondly it was evident that, by creating and maintaining a reputation for high quality software and unparalleled support within the chartered accountancy profession, the company would benefit from recommendations to design and supply software to the client companies of its accountant users. With the main emphasis being devoted to customer satisfaction through support and enhancements the original philosophy proved to be very successful and has led to continued growth. Indeed, many of the company’s clients have enjoyed a mutually beneficial relationship through three and four generation of computer systems spanning some twenty years. Kesho is proud to have always been at the leading edge of technology and when IBM launched the Personal Computer, the company was awarded the, much coveted, IBM authorisation. It was during this time that Kesho first gained an interest in the accounting functions of Credit Unions. In 1987, following a comprehensive feasibility study and details systems specification, Kesho launched CUMAS, the credit union management and accounting systems which dominated the UK market for a decade. However, between 1990 and 1997, contractual constrains prevented Kesho’s involvement, although, by popular demand Kesho did provide support and enhancements from 1995 to keep the system alive. -
6941 Credit Union News Dec 2012 6638 Credit Union News
Vol. 14 No. 3 December 2012 Members Matter Most in Manchester See page 9 Bristol Credit Union helps launch the Bristol Pound Page 4 Learning from the Maine CU League Page 11 London Mutual introduces payday loans Page 12 Members’ Newsletter Supported By: EDITORIAL Innovation and Welcome expansion THIS EDITION of Credit Union News reveals some of the early innovation that is being introduced to the sector because of the relaxation of legislation at the beginning of 2012. Slowly but surely, credit unions are expanding their common bonds to bring new people into membership and opening up services to businesses, social enterprises and community groups. This is particularly evident in Bristol, where the credit union is the hub of a new ‘currency’ for the city, encouraging local people to use local businesses and getting money circulating in the community. The sixth co-operative principle of ‘co-operation Manchester Chapter who have worked so hard to among co-operatives’ is being put further into document the beginnings of the credit union action by The Co-operative Credit Union, which has movement. After a successful launch for now been able to extend membership to International Credit Union Day, at the People’s employees of other co-operative organisations. I’m History Museum in Manchester, the portable particularly pleased exhibition will be in that this has allowed demand at credit it to bring ABCUL back union events around into the fold, which As a member of the country and is well means that all our worth a visit. staff can now benefit the World Council of As we work together from saving through ‘‘ to provide more payroll deduction to Credit Unions, we very products to more the credit union. -
Breaking Through to the Future a Research Study Into the the Strategic Development of Credit Unions in Britain, 1998 - 2008
Written by Paul A Jones Research Unit for Financial Inclusion, Liverpool John Moores University Breaking through In collaboration with the Association of British Credit Unions Ltd to the future The research report is funded and supported by:- The strategic development of credit The Co-operative Bank p.l.c. P.O. Box 101 unions in Britain, 1998 – 2008 1 Balloon Street Manchester M60 4EP www.co-operativebank.co.uk Consultation on the report th is open until Jan. 15 , 2009. Draft consultative report It will then be published in its final form in the Spring. Produced for: Please send comments to THE NORTHERN FINANCIAL Paul A Jones [email protected] INCLUSION CONFERENCE www.ljmu.ac.uk/HEA/financialinclusion/ ACC, Liverpool 4TH December 2008 For consultation with the sector Breaking through to the future A research study into the the strategic development of credit unions in Britain, 1998 - 2008 Paul A Jones Research Unit for Financial Inclusion Faculty of Health and Applied Social Sciences Liverpool John Moores University 4th December 2008 Published by the Faculty of Health and Applied Social Sciences , LJMU © Faculty of Health and Applied Social Sciences , LJMU, 2008 ISBN British Library Cataloguing in Publication Data A catalogue record for this report is available from the British Library This research report is funded and supported by:- The Co-operative Bank p.l.c. P.O. Box 101 1 Balloon Street Manchester M60 4EP www.co-operativebank.co.uk 1 Breaking through to the future A research study into the the strategic development of credit unions in Britain, 1998 - 2008 Contents Preface to the Interim Conference edition Acknowledgements Executive Summary 1. -
List of Authorised Credit Unions As at 1 July.Xlsx
LIST OF UK AUTHORISED CREDIT UNIONS AS COMPILED BY THE BANK OF ENGLAND AS AT 1 JULY 2020 FRN Firm 228296 1st Alliance (Ayrshire) Credit Union Limited 213700 1st Class Credit Union Limited 213893 2 Shires Credit Union Limited 419396 6 Towns Credit Union Limited 575635 Abbey Credit Union Limited 576289 A-B-C Credit Union Limited 213693 Abronhill Credit Union Limited 213228 Advance Credit Union Limited 574426 Aghaloo Credit Union Limited 213641 All Flintshire Credit Union Limited 573849 Annahoe Credit Union limited 574005 Antrim Credit Union Limited 574622 Ardboe Credit Union Limited 573925 Armagh Credit Union Limited 573342 Avila Credit Union Limited 213683 Ayrshire Credit Union Limited 213640 B C D Credit Union Limited 213396 Bacup (Lancashire) Credit Union Limited 213428 BAG Credit Union Limited 213957 Baillieston Credit Union Limited 213873 Bakers Food and Allied Workers' Credit Union Limited 574313 Ballinascreen Credit Union Limited 574624 Ballinderry Bridge Credit Union Limited 573851 Ballycastle Credit Union Limited 574315 Ballyhackamore Credit Union Limited 573987 Ballykelly Credit Union Limited 576500 Ballymacash Credit Union Limited 574110 Ballymena Credit Union Limited 573790 Ballynafeigh Credit Union Limited 573803 Ballynahinch Credit Union Limited 574100 Banbridge Credit Union Limited 573846 Bangor Credit Union Limited * 576003 Bannvale Credit Union Limited 574098 Bannview Community Credit Union Limited 582921 Barrow & District Credit Union Ltd 213229 Basildon Credit Union Limited 577241 BDS Credit Union Limited 213900 Bedford -
A Basic Self-Help Guide to Dealing with Debt
MONEY TALK A BASIC SELF-HELP GUIDE TO DEALING WITH DEBT Produced for the communities of South & South East Leeds by If you are having money problems don’t ignore them. They won’t go away, and the longer you wait to deal with them or get advice, the worse the situation will be. This booklet will give you some basic advice to help you deal with your debts. OUR TOP TIPS FOR DEALING WITH YOUR DEBTS • The people who you owe money to are called your “Creditors”. • Don’t panic. Help is available. A list of Organisations offering free and confidential advice is in this booklet. • Act fast. As soon as you are unable to make a payment when it is due, contact your Creditors to let them know. If you receive a letter informing you that they are considering further action, ask them to hold action for 2 to 3 weeks while you seek advice and assistance. • Always keep copies of the letters that you write about your debts, and write down the dates of any telephone calls that you make to your Creditors. • We recommend that you don’t borrow more money to pay off your debts, but before taking out a loan always get impartial advice before you sign anything. Don’t rush in to it. • If you do decide to take out a loan, make sure you find out all the details, such as the total cost of the loan and whether the loan is secured against your home. • Fill out a Personal Budget sheet so that you know what income and expenses you have. -
High-Cost Consumer Credit Review
High-cost Consumer Credit Review Submission from the Association of British Credit Unions Limited Contact details Mark Lyonette – Chief Executive [email protected] Tel: 0161 819 6997 Or Abbie Shelton – Policy and Communications Manager [email protected] Tel: 0161 819 6994 www.abcul.coop ABCUL’s Response – High-Cost Consumer Credit Review Introduction We welcome the opportunity to respond to this consultation. As the main trade association for credit unions in England, Scotland and Wales, ABCUL represents around 70% of credit unions, which in turn provide services to over 80% of British credit union members. At the end of June 2008, credit unions in Great Britain were providing financial services to 655,000 adult members1 and had £429 million out on loan to members. The majority of loans made to credit union members are unsecured. Credit unions are financial co-operatives that are owned and controlled by their members. They offer ethical, not-for-profit, inclusive financial services often in competition with high-cost lenders. Credit unions are a small part of the unsecured loans market in the UK, but their significance is growing as the sector grows and as other lenders put a squeeze on smaller, shorter term loans that often form a large proportion of the loans that credit unions make available to their members. Credit unions are unique in the UK in having a legal ceiling set on the amount of interest they can charge on loans. This was increased from 1% a month on the reducing balance to 2% a month on the reducing balance in 2006. -
Lloyds Banking Group Announces Further £1 Million in Grants to Support Credit Unions
FOR IMMEDIATE USE LLOYDS BANKING GROUP ANNOUNCES FURTHER £1 MILLION IN GRANTS TO SUPPORT CREDIT UNIONS Lloyds Banking Group has today announced additional funding to support the UK’s credit union sector. The Group is awarding a further £1 million in grants to 23 credit unions through the Lloyds Credit Union Development Fund. Established in 2014, the Lloyds Credit Union Development Fund is run in partnership with the Credit Union Foundation. The Fund is designed to strengthen the financial position of credit unions, and give them the capacity to develop new strategies for sustained and effective growth In addition, with support from the Fund, credit unions are able to provide much needed responsible lending and financial support for some of the most vulnerable people across Britain. Over the past five years, Lloyds Banking Group has contributed £5 million to the Fund enabling it to make more than 100 awards to 85 credit unions, helping them to lend an additional £23 million to their members. This number is set to significantly exceed the Fund’s original £25 million target by the end of 2019. The Fund features two kinds of grant: large awards up to £100,000 and smaller seed grants of between £10,000 and £20,000. This year, a total of 17 credit unions will benefit from the large awards, which are intended to help remove barriers to growth and innovation and provide a real contribution to the credit union reserves to help them provide more financial support to their communities. Six seed grants have been awarded to help invest in resources and activities, such as IT, to help them expand and improve their services. -
WEST (INNER) AREA COMMITTEE 20Th OCTOBER 2005 PRESENT
WEST (INNER) AREA COMMITTEE 20th OCTOBER 2005 PRESENT: Councillor D Atkinson in the Chair Councillors T Hanley, J Harper, A Lowe, J McKenna, N Taggart CO-OPTEES: Morgan Pugh (Armley Community Forum) Hazel Boutle (Armley Community Forum) Jean Bedford (Bramley and Stanningley Community Forum) 39 Chair’s Introduction/Apologies for Absence Apologies for absence were received from Chief Superintendent Howard Crowther (West Yorkshire Police) and from Councillor Neil Taggart who would be late in attending this meeting The Chair welcomed Hazel Boutle (Armley Community Forum) to her first meeting as a co-opted member of the Area Committee 40 Late Item The Chair admitted the following late items to the agenda, due to details becoming available after the despatch of the agenda papers: Application to the Well-Being Fund - Pudsey Weetwood Community Cycle Scheme (minute 50 refers) 41 Declarations of Interest Councillor Janet Harper declared a personal interest in the application to the well-being fund from SureStart Bramley (minute 50 refers), as Chair of SureStart 42 Minutes of the West (Inner) Area Committee meeting held on the 13th September 2005 RESOLVED – That the minutes of the above meeting be approved as a true and correct record. 43 Matters Arising From the Minutes Further to minute 27 regarding the introduction of a 20mph zone in the Armley ward it was reported that, following further consultation by the Head of Highway Services with ward members on the rationale behind this decision, a meeting to review the proposals was not considered necessary. -
Minutes of Meeting Held 30/6/08, 3Pm in the Attlee Suite, Portcullis House
All Party Parliamentary Group on Credit Unions _______________________________________________________________________________________ Credit Union Payroll Partnership with Department of Work & Pensions Minutes of meeting held at 14.30 on 6 July 2016, Committee Room 17, House of Parliament The Chair of the All Party Parliamentary Group on credit unions, Robin Walker MP welcomed the Group, noting his re-election in the AGM of the Group earlier that day. The chair introduced the Minister of State for Welfare Reform, Lord Freud who announced the launch of the payroll savings partnership between the Department of Work and Pensions and a consortium of three credit unions: Commsave Credit Union Hull and East Yorkshire Credit Union Voyager Alliance Credit Union Lord Freud thanked the Chair and ABCUL for the opportunity to attend the meeting on an important day for both the Department of Work and Pensions and credit unions. Lord Freud declared his long standing support of credit unions including his membership of London Mutual Credit Union. Lord Freud stated that from a government perspective it is essential that everyone has access to affordable, good quality and safe financial products, and that the credit union movement is key to meeting this aim. Lord Freud noted the scale of the sector which had reached a new high of over 1.2 million members, showing growth in the last 12 months in membership of 5.7%. He said it was an exciting time for the movement but even more progress could be made which is why the government has invested £38 million in the Credit Union Expansion Project to help credit unions grow, modernise and become financially sustainable. -
Archbishop Backs Credit Unions See Page 4
Vol. 15 No. 2 October 2013 Developing links with local authorities Page 6 Expansion project brings opportunities and challenges Page 10 Credit unions and churches - practising what is preached Page 12 Archbishop backs credit unions See page 4 Members’ Newsletter Supported By: EDITORIAL Archbishop’s Welcome intervention boosts credit unions’ profile THE ARCHBISHOP of Canterbury’s intervention in the continuing debate on payday lending led to what I suspect is the most publicity we have ever received in such a short space of time. In a week when it looked like the new heir over many weeks or months; it allows the borrower to the throne would continue to dominate the to adjust their budget safely over a period of time headlines, a small paragraph in a seven page rather than readjust in less than a month. magazine interview with Justin Welby caught the Scant regard to affordability and indebtedness media’s attention. Credit unions’ profile was raised by some payday lenders also means that people greatly – we worked hard to meet the demands can end up in debt to multiple lenders. We hear of of journalists and attractive high street premises many cases where credit unions have consolidated appeared on all the main news bulletins. debt for individuals who may owe up to 90% of their monthly income on high cost debt when each payday comes. This leads to a vicious cycle We are of increasing levels of debt until the credit union can step in with a more affordable loan spread encouraged to hear over a more realistic period of time. -
(Public Pack)Agenda Document for Cabinet, 19/01/2021 18:00
Notice of Meeting CABINET Tuesday, 19 January 2021 - 6:00 pm Meeting to be held virtually Members: Cllr Darren Rodwell (Chair); Cllr Saima Ashraf (Deputy Chair) and Cllr Dominic Twomey (Deputy Chair); Cllr Sade Bright, Cllr Evelyn Carpenter, Cllr Cameron Geddes, Cllr Syed Ghani, Cllr Margaret Mullane and Cllr Maureen Worby Date of publication: 11 January 2021 Claire Symonds Acting Chief Executive Contact Officer: Alan Dawson Tel. 020 8227 2348 E-mail: [email protected] Please note that this meeting will be webcast to enable the press and public to listen to the proceedings of this ‘virtual’ meeting. To view the webcast click here and select the relevant meeting (the weblink will be available at least 24-hours before the meeting). AGENDA 1. Apologies for Absence 2. Declaration of Members' Interests In accordance with the Council’s Constitution, Members are asked to declare any interest they may have in any matter which is to be considered at this meeting. 3. Minutes - To confirm as correct the minutes of the meeting held on 15 December 2020 (Pages 3 - 10) 4. Update on COVID-19 Issues (Page 11) 5. Revenue Budget Monitoring 2020/21 (Period 8, November 2020) (Pages 13 - 31) 6. Procurement of New Credit Union to Deliver a Local Community Banking Service (Pages 33 - 130) 7. Article 4 Direction - Permitted Development Rights Allowing Upwards Extensions to Certain Buildings (Pages 131 - 160) 8. Independent Review of the Fire at Samuel Garside House, Barking (Pages 161 - 228) 9. Modern Slavery Charter Update (Pages 229 - 245) 10. Council Tax Support Scheme 2021/22 (Pages 247 - 263) 11.