Lost Track of Your Account?
Total Page:16
File Type:pdf, Size:1020Kb
Load more
Recommended publications
-
CHE 0902DRAFT.Indd
APPLICATION FORM FOR ADMISSION TO THE CONVEYANCING PANEL OF THE YORKSHIRE BUILDING SOCIETY GROUP - INCORPORATING YORKSHIRE BUILDING SOCIETY, ACCORD MORTGAGES LIMITED, CHELSEA BUILDING SOCIETY AND BARNSLEY BUILDING SOCIETY (“THE SOCIETY”) NOTES: • If your answer to any question exceeds the space allowed, continue on a separate sheet clearly marking the question number. • The whole of this application form is to be completed by the senior partner/director of your practice. • Please note that the Society reserves the right to terminate your membership of its Conveyancing Panel if you fail to provide any relevant information or provide incorrect information in this application form or in relation to any future requests for information. • Please also note that your membership of the Society’s Conveyancing Panel can be terminated at any time without notice by the Society in the event of a Disciplinary Tribunal decision or where your fi rm has not acted for the Society in the grant of a mortgage for a period in excess of one year. • The Society will verify the regulatory status of every practice applying for admission to its Conveyancing Panel. The Society will check whether practices located in England and Wales hold Conveyancing Quality Scheme (“CQS”) accreditation where appropriate. The society requires annual evidence that the practice has a renewed CQS certifi cate. • The completed application form must be returned to Conveyancers Panel Administration, Mortgage Service Department, Yorkshire Building Society, Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. Dx No. 11798 Bradford. • We reserve the right to terminate your membership at any time should the Society deem this to be appropriate. -
Lender Panel List December 2019
Threemo - Available Lender Panels (16/12/2019) Accord (YBS) Amber Homeloans (Skipton) Atom Bank of Ireland (Bristol & West) Bank of Scotland (Lloyds) Barclays Barnsley Building Society (YBS) Bath Building Society Beverley Building Society Birmingham Midshires (Lloyds Banking Group) Bristol & West (Bank of Ireland) Britannia (Co-op) Buckinghamshire Building Society Capital Home Loans Catholic Building Society (Chelsea) (YBS) Chelsea Building Society (YBS) Cheltenham and Gloucester Building Society (Lloyds) Chesham Building Society (Skipton) Cheshire Building Society (Nationwide) Clydesdale Bank part of Yorkshire Bank Co-operative Bank Derbyshire BS (Nationwide) Dunfermline Building Society (Nationwide) Earl Shilton Building Society Ecology Building Society First Direct (HSBC) First Trust Bank (Allied Irish Banks) Furness Building Society Giraffe (Bristol & West then Bank of Ireland UK ) Halifax (Lloyds) Handelsbanken Hanley Building Society Harpenden Building Society Holmesdale Building Society (Skipton) HSBC ING Direct (Barclays) Intelligent Finance (Lloyds) Ipswich Building Society Lambeth Building Society (Portman then Nationwide) Lloyds Bank Loughborough BS Manchester Building Society Mansfield Building Society Mars Capital Masthaven Bank Monmouthshire Building Society Mortgage Works (Nationwide BS) Nationwide Building Society NatWest Newbury Building Society Newcastle Building Society Norwich and Peterborough Building Society (YBS) Optimum Credit Ltd Penrith Building Society Platform (Co-op) Post Office (Bank of Ireland UK Ltd) Principality -
Reflections on Northern Rock: the Bank Run That Heralded the Global
Journal of Economic Perspectives—Volume 23, Number 1—Winter 2009—Pages 101–119 Reflections on Northern Rock: The Bank Run that Heralded the Global Financial Crisis Hyun Song Shin n September 2007, television viewers and newspaper readers around the world saw pictures of what looked like an old-fashioned bank run—that is, I depositors waiting in line outside the branch offices of a United Kingdom bank called Northern Rock to withdraw their money. The previous U.K. bank run before Northern Rock was in 1866 at Overend Gurney, a London bank that overreached itself in the railway and docks boom of the 1860s. Bank runs were not uncommon in the United States up through the 1930s, but they have been rare since the start of deposit insurance backed by the Federal Deposit Insurance Corporation. In contrast, deposit insurance in the United Kingdom was a partial affair, funded by the banking industry itself and insuring only a part of the deposits—at the time of the run, U.K. bank deposits were fully insured only up to 2,000 pounds, and then only 90 percent of the deposits up to an upper limit of 35,000 pounds. When faced with a run, the incentive to withdraw one’s deposits from a U.K. bank was therefore very strong. For economists, the run on Northern Rock at first seemed to offer a rare opportunity to study at close quarters all the elements involved in their theoretical models of bank runs: the futility of public statements of reassurance, the mutually reinforcing anxiety of depositors, as well as the power of the media in galvanizing and channeling that anxiety through the power of television images. -
Banking in Cark-In Cartmel
An undated photograph produced by the firm of Woolfall & Eccles (later T M Alexander & Son), architects of the Midland Bank, 119, Station Rd. Cark in Cartmel1 Banking in Cark-in Cartmel In today's high street the bank is becoming a rarity and 2017 will see the closure of another branching the Cartmel Peninsula; the National Westminster Bank in Main Street, Grange over Sands.2The banks are leaving the small market town high street but in the late nineteenth and for the first half of the twentieth century they were part of the local landscape in not only market towns, but even villages and hamlets such as Cark in Cartmel. Until 1826, banks were essentially private merchant banks but the Bank Act of 1826 permitted joint stock banks of issue with unlimited liability to be established. The Lancaster Banking Co. was one such bank which was set up in 1826 and existed until 1907 when it was taken over. For over seventy years, the hamlet of Cark in Cartmel, Cumbria had three banks ; the Lancaster Banking Co. which according to the Bulmer's Directory of 19113 was located at Bank House, Station Rd. and opened initially on Fridays ; the York City and County Banking Co. which became 1 HSBC archives April 18th 2017 2 The Westmorland Gazette, Thursday, March 31st. 2017 3 Bulmer's Directory of 1911. the London and Joint Stock Bank Ltd. was also located at 119 Station Rd. ; and the Bank of Liverpool and Martin's Ltd. which was located opposite at 114 Station Rd. All three banks were characterised by the fact that the banking premises occupied only one room of the building that they occupied and in addition were staffed by one member of staff , which in the case of the Midland and Martin's banks was the bank manager from either the Ulverston or Grange branch. -
West Midlands Fintech ECOSYSTEM REPORT 2020
West Midlands FinTech ECOSYSTEM REPORT 2020 In partnership with © Whitecap Consulting Table of contents add region graphic West Midlands Ecosystem Summary 3 Forewords 5 Greater Birmingham & Solihull LEP 6 Whitecap Consulting 7 Innovate Finance 8 West Midlands FinTech Ecosystem Research 10 Introduction and approach 11 Definitions and Methodology 11 Overview 12 Research area: Findings And Recommendations 17 This report focuses primarily on the activity Availability Of Talent 20 in the geographical area covered by the Strength Of The Overall Financial Sector 22 West Midlands Combined Authority, which for the purposes of this report has been defined Strength Of The Overall Tech Sector 25 as the three LEP areas within the region Strength Of FinTech Startup/Scaleup Community 27 (Greater Birmingham & Solihull, Coventry Relationship between Startup/Scaleups & Established & Warwickshire, and Black Country). It 29 Financial Sector uses economic data from this region, supplemented by our own primary research. Funding For FinTech 32 Physical Spaces/Hubs 35 Interaction And Communication Between Key Players 37 Press & Media 38 This report was commissioned by GBSLEP on behalf of the three LEPs in the West Midlands The Role Of Universities 41 conurbation and the West Midlands Combined Authority. Participating Organisations 43 1 © Whitecap Consulting Published May 2020 WEST MIDLANDS FINTECH ECOSYSTEM - SUMMARY 2 © Whitecap Consulting 1 West Midlands FinTech Ecosystem Summary 2020 West Midlands region FinTech sector FinTech startups & scaleups established -
You Can View the Full Spreadsheet Here
Barclays First Direct Halifax HSBC Lloyds Monzo (Free) Nationwide Natwest Revolut Santander Starling TSB Virgin Money Savings Savings pots No No No No No Yes No No Yes No Yes Yes Yes Auto savings No No Yes No Yes Yes Yes No Yes No Yes Yes No Banking Easy transfer yes Yes yes Yes yes Yes Yes Yes Yes Yes Yes Yes Yes New payee in app Need debit card Yes Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes New SO Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes change SO Yes No Yes Yes Yes Yes No Yes Yes Yes Yes Yes Yes pay in cheque Yes Yes Yes Yes Yes No No No No No Yes No Yes share account details Yes No yes No yes Yes No Yes Yes Yes Yes Yes Yes Analyse Budgeting spending Yes No limited No limited Yes No Yes Yes Limited Yes No Yes Set Budget No No No No No Yes No Yes Yes No Yes No Yes Yes Yes Amex Allied Irish Bank Bank of Scotland Yes Yes Bank of Barclays Scotland Danske Bank of Bank of Barclays First Direct Scotland Scotland Danske Bank HSBC Barclays Barclays First Direct Halifax Barclaycard Barclaycard First Trust Lloyds Yes First Direct First Direct Halifax M&S Bank Halifax Halifax HSBC Monzo Bank of Scotland Lloyds Lloyds Lloyds Nationwide Halifax M&S Bank M&S Bank Monzo Natwest Lloyds MBNA MBNA Nationwide RBS Nationwide Nationwide Nationwide NatWest Santander NatWest NatWest NatWest RBS Starling Add other RBS RBS RBS Santander TSB banks Santander No Santander No Santander Not on free No Ulster Bank Ulster Bank No No No No Instant notifications Yes No Yes Rolling out Yes Yes No Yes Yes TBC Yes No Yes See upcoming regular Balance After payments -
Lender Action Required What Do I Need to Do? Express Payments?
express lender action required what do i need to do? payments? how will i be paid? You can request to be paid within Phone Accord Mortgaegs’ Business Support Team 24 hours of the lender confirming Accord Mortgages Telephone Registration on 03451200866 and ask them to add ‘TMA’as a Yes completion by requesting a payment payment route. through ‘TMA My Portal’. Affirmative Finance will release Registration is required for Affirmative Finance, the payment to TMA on the day of Affirmative No Registration however please state ‘TMA’ when putting a case No completion. TMA will then release Finance through. the payment to the you once it is received. Aldermore products are only available via carefully selected distribution partners. To register to do business with Aldermore go to https;//adlermore- brokerportal.co.uk/MoISiteVisa/Logon/Logon.aspx. You can request to be paid within If you are already registered with Aldermore the on 24 hours of the lender confirming Aldermore Online Registration Yes each case submission you will be asked if you are completion by requesting a submitting business though a Mortgage Club, tick payment through ‘TMA My Portal’. yes and then select ‘TMA’. If TMA is not already in your drop down box then got to ‘Edit Profile’ on the ‘Portal’ and add in ‘TMA’ Please visit us at https://www. Payment will be made every postoffice4intermediaries.co.uk/ and Monday to TMA via BACs. Bank of Ireland Online registration https://www.bankofireland4intermediaries. No Payment is calculated on the first co.uk/ and click register, you will need a Monday 2 weeks after completion profile for each brand. -
11K Donation from the DPS to Help LGBT Young People in Brighton and Hove Find a Home Through YMCA Downslink Group - Youth Advice Centre
Computershare Investor Services PLC The Pavilions Bridgwater Road Bristol BS99 6ZZ Telephone + 44 (0) 870 702 0000 Facsimile + 44 (0) 870 703 6101 www.computershare.com News Release Monday 27 February 2017 Date: Subject: £11k donation from The DPS to help LGBT young people in Brighton and Hove find a home through YMCA DownsLink Group - Youth Advice Centre Bristol, Monday 27 February 2017 – An £11,000 donation by The Deposit Protection Service (The DPS) will fund specialist support from YMCA DownsLink Group - Youth Advice Centre for LGBT young people in Brighton and Hove to help them find a home, the UK’s largest protector of tenancy deposits has announced. The Centre will train volunteers one-to-one to become ‘peer mentors’ and provide support to other members of the local LGBT community. Daren King, Head of Tenancy Deposit Protection at The DPS, said: “83,000 young people experience homelessness every year and the South East has the second highest rate of homeless applications in England. “As a result, we’re delighted to be supporting YMCA DownsLink Group - Youth Advice Centre’s fantastic work in helping LGBT young people in Brighton and Hove find a home.” YMCA DownsLink Group - Youth Advice Centre is a “one-stop shop” for advice and information for young people aged 13-25 years old in the City of Brighton and Hove. Julia Harrison, Advice Services Manager at YMCA DownsLink Group - Youth Advice Centre, said: “LGBT young people account for 13% of the total number of clients accessing our housing service, with a 50% increase in transgender clients since April 2016. -
Instructions to Your Bank Or Building Society to Pay by Direct Debit
Instructions to your Bank or Building Society Originator's Identification Number to pay by Direct Debit 88 30 08 Please fill in the whole form and send it to your Halifax branch 1. Name and full postal address of your bank or building society branch To: The Manager bank or building society Address Postcode 2. Name(s) of account holder(s) 5. Halifax reference number (from which funds will be paid) 6. Instruction to your bank or building society Please pay Halifax direct debits from the account detailed 3. Branch sort code on this instruction subject to the safeguards assured by (from the top right hand corner of your cheque) The Direct Debit Guarantee. I understand that this instruction may be retained by Halifax and if so, details will be passed electronically to my bank/building society. 4. Bank/building society account number Signature(s) Banks and building societies may not accept direct debit Date instructions for some types of account. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Customer Name Address This question only applies to mortgage customers whose household insurance premiums are added to their mortgage account. 7. Would you like your monthly repayment to include one twelfth of your property insurance premium? Yes No Tear-off slip to be retained by Halifax 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 take part in the Direct Debit Scheme. -
Supplementary Conveyancing Questionnaire
Supplementary Conveyancing Questionnaire (To be completed if you have answered YES to 9d) Should you have insufficient space to answer any questions, please continue on your own HEADED notepaper Please note that this questionnaire forms part of your proposal for professional indemnity insurance and you are reminded of the importance of the notes and declaration on the proposal, which also applies to this questionnaire. LLP 682 - Jul 12 Important note regarding the completion of this proposal form. 1. Disclosure Any “material fact” must be disclosed to insurers - A “material fact” is any information which may influence the judgement of a prudent insurer in deciding whether to accept the risk and if so, on what terms. Any “material change” must be disclosed to insurers. - A “material change” is any material fact which arises on renewal or during the currency of the policy that has not previously been disclosed as a material fact. Examples of material changes to material facts include: • Fraud on the part of any of the Partners and Employees • A change in the composition of the firm's practice • Mergers and Acquisitions with other firms • Conversion to a Limited Liability Partnership If you are unsure whether a fact or change is material or not, you should disclose it. Failure to provide all “material facts” and/or notify all “material changes” may cause the contract of insurance to be void from inception i.e. your insurers will return the premium and there will be no cover for any claims made under the policy. 2. Presentation This proposal form must be completed by an authorised individual or principal of the firm. -
Chief Executive's Report 2010
Chief Executive’s report The highlights of the Society’s performance include: “excess” was managed down in line with the • return to profitability; statutory operating profit reduced requirements of the enlarged Group; £115m (2009: £12m loss) and core operating • maintained asset quality; the percentage of loans profit (see table below) of £128m (2009: over three months in arrears by volume was Iain Cornish £8m), representing a continuation of the trend stable at 1.84% (31 December 2009: 1.84%); reported at 30 June 2010; Our vision and strategy • wholesale funding; the issuance of a €600m five year covered bond in September supporting Our vision is “to be the best organisation that our For many decades the Yorkshire has been run with Core operating profit our balanced funding strategy; customers do business with”. the interests of current and future members very In addition to statutory profit before tax, the Board uses core clearly at its heart. The vast majority of the Society’s operating profit to monitor the Group’s performance. This is • performance of the Chelsea brand ahead We aim to achieve our vision by providing our because the statutory figure includes a number of items that activities have been centred on lending to people the Board believes do not reflect the longer-term, sustainable of expectations; delivery of planned merger members and customers with financial security to allow them to own their own homes, funded business performance either because they are pure accounting synergies and integration well advanced; and long-term value across a comprehensive range measures (e.g. -
Low-Impact Living Initiative
building societies what are they? They’re mutual institutions offering savings accounts and mortgages, and occasionally current accounts. This is all they provide. They are simple beasts compared to banks, and their mutual nature means that they are owned by their members, and are not listed on stock exchanges and owned by shareholders. They’re similar to co- operatives, but, from Wikipedia: ‘unlike a true cooperative, members usually do not contribute to the capital of the company by direct investment, but derive their right to profits and votes through The sign on the Penrith Building Society (the their customer relationship.’ smallest in the UK) says it all: ‘Every man his History: the first building society was formed in own landlord’ (well, all apart from the fact that 1775, by Richard Ketley, proprietor of the Golden they left out half the population). Cross pub in Snow Hill, Birmingham. At the time, publicans encouraged meetings of working men in Demutualisation: many building societies were their pubs in order to sell more beer! Lots of ‘demutualised’, starting in the 1980s, after trades unions and friendly societies were formed deregulation allowed mutual societies to become in pubs. This society was quickly followed by banks with shareholders, or to merge with existing others in Birmingham, then Dudley, Rowley Regis banks. Members were offered incentives in the and other places in the Midlands, North and form of cash payments or shares. The first mutual Scotland. Members of early societies like this paid society to be demutualised was Abbey National, money into a pot, and when there was enough, followed by famous names such as Alliance and one member’s name was drawn by lot and the Leicester and Northern Rock.