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Found 12 results

  1. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amo
  2. Credit unions have been around in the UK since the late 1970s and are a form of co-operative and self help organisation. They were set up to offer low-cost loans of smaller amounts for people who couldn’t get affordable credit, or who were using doorstep lenders. Sadly, they are an underused resource, but they are a realistic alternative to payday loans [PDLs] and loansharks. As they are not profit-making, their rates are much lower than other high street lenders or PDL companies. There are 400 to 500 credit unions in the UK with almost a million members. As well as low-
  3. Barclays Bank has announced a plan to boost the presence of Britain’s credit unions in the high street. These include: £1m cash injection for credit unions to help them grow and expand. allowing them to set up shop in its branches giving credit unions free infrastructure access to Pingit, the bank’s mobile payment service http://www.independent.co.uk/money/spend-save/credit-unions-boosted-by-bank-in-payday-battle-9304724.html http://www.theguardian.com/business/2014/apr/30/barclays-branches-credit-unions
  4. I'm new to this forum so I hope I'm doing this right. My mother passed away a couple of weeks ago. She was well organised and made sure her affairs were in order. She made a will and made sure there was enough money in the credit union to pay for her funeral. When I went to the credit union with the death certificate and the will I was informed that it would take between 6 - 8 weeks to sort out. I was also told that even though she left the money to me in her will the money would go to the person she named on the nomination form and they couldn't tell me w
  5. Credit unions have been around in the UK since the late 1970s and are a form of co-operative and self help organisation. They were set up to offer low-cost loans of smaller amounts for people who couldn’t get affordable credit, or who were using doorstep lenders. Sadly, they are an underused resource, but they are a realistic alternative to payday loans [PDLs] and loansharks. As they are not profit-making, their rates are much lower than other high street lenders or PDL companies. There are 400 to 500 credit unions in the UK with almost a million members. As well a
  6. hello, I am expecting debt collectors/ court to issue - warrants, arrestment etc. I was wondering that what happens if one has savings which go to Credit Union unlike banks. Also, lets say a member opts for shares in Credit Union what happens in the above situations. Thanks
  7. Britain's credit unions will be allowed to increase the interest they charge on loans in a bid to stop people turning to payday lenders. On Wednesday, the Government will announce it is preparing legislation to raise the cap on credit union charges from 2pc to 3pc. Ministers believe the move will make the sector more stable, and allow them to "provide credit to customers with riskier credit profiles". The move is part of the Government's push to break the increasing grip of payday lenders on low income families. The Department of Work and Pensions wants to double the number of people ser
  8. Prime minister David Cameron says more support should be given to credit unions in a bid to tackle the “problem” of payday lenders. Speaking in the House of Commons at prime minister’s questions today, Labour MP for St Helens Dave Watts called on Cameron to take action againt payday loan firms. Watts also welcomed a decision by Bolton Wanderers to abandon its sponsorship by payday lender QuickQuid in light of local opposition. He asked Cameron to give local authorities the power to ban “predatory loan sharks” from high streets. Cameron said: “I hear what he says and I wish Bolton Wa
  9. Hi I currently have a problem with a pay rise that i should have received a long time ago. I work in a small team but i currently earn less than the others. I have been told various things i need to achieve before i get my rise. I have hit all the targets that have been asked of me and new ones are added every time i go back. I have just recently hit the last targets and was told i won't be getting a pay rise and they can't say why.... Is this classed as being discriminative?? I have worked 10 years more in the company than others and my work is more productive. Yet i'm still being
  10. The government has awarded £38m to the Association of British Credit Unions (ABCUL) as part of a project that aims to offer access to credit unions to a further one million people. The credit union expansion project, which will be delivered by the association, will help credit unions to offer an expanded and modernised service, including access to banking products, debt advice and affordable loans. Lord Freud, the minister for welfare reform, said: “Credit unions offer an alternative to vulnerable people who have few safe options to get cash when they need it most. “They are the antidote to p
  11. Mister M

    Credit Unions

    Hi everyone, A quick question that I hope someone can answer. Everyone knows that if you use a payday loan company there are some High Street lenders who will refuse you credit when they see it on your credit file. The question is: is the same true for Credit Unions as they're often associated with people who cannot access mainstream loans/finance? Thanks everyone.
  12. Freud announces further investment to secure future of credit unions Credit unions will receive up to £38m of investment to modernise and expand so they can support one million more people, Minister for Welfare Reform Lord Freud announced today. The £38m fund, which follows the £13m already invested last year, will help credit unions to buy in new IT systems and infrastructure needed to increase the numbers of people they help to save and borrow. Lord Freud said: “Credit unions provide an essential service for communities and we want to help them to extend the su
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