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. -
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. -
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. -
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. -
List of Authorised Credit Unions
LIST OF UK AUTHORISED CREDIT UNIONS AS COMPILED BY THE BANK OF ENGLAND AS AT 1 JANUARY 2021 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 -
Collaboration and Co-Operation for Credit Unions
cover Welcome from CFCFE Chair Dear attendee I am delighted to welcome once again such a large and diverse range of people from across Great Britain and Ireland to this twice-a-year conference. This is the first time we are convening on an entirely on-line basis. However, when tighter COVID-19 restrictions in Dublin required us to do so, we already had a programme assembled that we believe offers excellent content and an enjoyable, participative format. We hope you will find it a valuable day, and we welcome your feedback afterwards. (We will send you a link.) Whether we are long credit union veterans or new arrivals, I think we can all agree that this year has been dramatically unlike any other in the circa 80 year history of credit unions in Ireland and Great Britain. Our social movements have achieved extraordinary things during the pandemic, and CFCFE has documented ‘the credit union difference’ during this difficult time in our reports on the British and Irish experiences. (You can download them from our website at www.cfcfe.eu/research.) Now that the situation is stabilised – at least to some degree – and as credit unions look forward to a new financial year, we need to lift our heads from the urgent tactical response of the past few months to develop a more strategic view going forward. There is still tremendous uncertainty confronting us, but nevertheless, plan we must. Our members and our communities depend on us to be positive and available to them during this difficult time, and we can be certain that our competitors will be deploying technological and other advantages in pursuit of market share that might otherwise be ours. -
List of Authorised ISA Managers
List of authorised ISA managers INDIVIDUAL SAVINGS ACCOUNTS (ISAs) LIST OF AUTHORISED ISA MANAGERS This is a list of persons authorised by HM Revenue & Customs as managers of Individual Savings Accounts under the Individual Savings Account Regulations 1998 (SI 1998 No.1870), as amended. Inclusion of a name of this list means that HM Revenue & Customs are satisfied that the person, firm or company concerned is authorised. Neither HM Revenue & Customs nor any other Government department guarantee that any of those concerned is able to manage Individual Savings Accounts satisfactorily. Nor have HM Revenue & Customs approved any ISA that the ISA manager may offer. Potential investors should take independent advice if they are in any doubt about the suitability of the ISA manager or of a particular ISA. The address shown on this list is normally the manager’s registered office. However, in many cases the day-to-day management of ISAs is carried out elsewhere. Transfer requests sent to this address may therefore be subject to delay as they are re-routed to the correct address. Amendments to the list will be available periodically. ________________________________________________________________________________________________ 2014/10 List of authorised ISA managers Ref. Name Address Components Offered Z1618 6 Towns Credit Union Ltd 382 High Street C West Bromwich, B70 9LB Z1374 Abbey Stockbrokers Ltd Kingfisher House SS Radford Way Billericay CM12 0GZ Z1124 Aberdeen Asset Managers Ltd 10 Queens Terrace SS, C Aberdeen, AB10 1YG Z1125 Aberdeen