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Loans2022

1Personal Details

2Personal Details Continued

3Loan

4Employment

5Employment Continued

6Income

7Spouse/Partner Income

8Household Outgoings

9Creditors

10Creditors Continued

11Declaration

12Declaration Continued

Member No
Title*
- Mr
- Mrs
- Miss
- Ms
First Name*
Surname*
Date of Birth*

Day
Month
Year
Address*
Flat No
Town*
Postcode*
Years at this address*
Previous Address if less than 3 yrs*
Postcode*
Home Tel
Mobile*
Email*

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Marital Status*
- Single
- Married
- Partnered
- Other
Other (please specify)*
No of children under 18*
Nationality*
Full name of spouse/partner
Is your home?*
- Mortgaged
- Owned Outright
- Rented
- Living with parents
- Other
Other (please specify)*
Mortgaged*
- joint with spouse/partner
- by me
- by my spouse/partner
Rented*
- joint with spouse/partner
- by me
- by my spouse/partner

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Loan Type*
- *Standard
- **Special Request/Emergency
- Intro
- PBA
- Project Loan
- Holiday loan offer
**See Special Request/Emergency section at the back of this loan form for details and completion where required.
Loan Amount*
SPECIAL REQUEST/EMERGENCY SECTION

To be completed ONLY if applying for Special Request/Emergency Loan
A credit union, being a financial co-operative owned by its members is required by definition, and regulation to act responsibly and prudently, therefore we require to operate fair and equitable policies when handling members' shares or loans. Our "Sandard Loan" policy is that members may apply to borrow up to five times their current share value up to a normal maximum of £10,000 and if there is an existing loan have at least a shares balance within 10% of the loan balanace. However, a loan application not in compliance with the above, can be accepted if its accompanied by this completed section describing either a special request or an emergency. A response will normally be amde within one or two weeks of the credit union receiving your Special Request.
Nature of Request*
- Further loan application while still replaying previous loan
- A loan for a specific project that exceeds standard policy
- A loan application without sufficient shares
- Emergency loan application outliining an unforeseen emergency
* Paperwork should accompany the application
Please provide background to application below:*
For payment by*
We aim to have loan decisions back within 48-72 hours. Complex applications can take longer; no loan or payment date can be guaranteed.
Purpose of Loan*
I agree to pay the Credit Union (£)*
Payment Plan*
- weekly
- 2 weekly
- 4 weekly
- monthly

Your payment will be split between standard shares and loan. Any amendment to payments depending on loan requested/balances will be discussed with you.

Current loan fixed rates:up to £2,000 = 8.3% (15.9% APR)	up to £3,000 = 7.8% (14.9% APR)	up to £5,000 = 6.7% (12.9% APR)
up to £7,000 = 6.2% (11.9%)	up to £8,000 = 5.5.% (9.9% APR)	up to £10,000 = 4.2% (7.9% APR)	over £10,000 = 3.1% (5.9% APR)
Check www.transportcu.co.uk for updates, or email enquiries@transportcu.co.uk, or call on 0141 221 7474 for details
If you do not understand any wording, or the cost of this loan stop now ! and call Karen on 0141 221 7474

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Employer*
Location*
Payroll No*
Weekly hours*
- Full-time
- Part-time
Weekly Hours*
Occupation*
Date Employed*

Day
Month
Year

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I am presently in good health*
- I am
- I am not
I am suffering from*
since*

Day
Month
Year
The last date I worked at my stated employment was*

Day
Month
Year

(if today please put today's date)
Are you currently off work due to ill health?
- Yes
- No
IF currently off work due to ill health - state reason*
Expected date of return to work*

Day
Month
Year
IF I am of sick I am entitled to
Company sick pay entitlement*
For how many weeks*

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Monthly Income (SELF)
Monthly Net Earnings (after tax)*
Benefits / Tax Credits*
Pension(s)*
Child Maintenance rec'd*
Other Income*
If other state source*

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Monthly Spouse/Partner Income
Net Earnings*
Benefits / Tax Credits*
Other*
If other state source*

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Rent/Mortgage
Monthly Amount*
If any arrears please state amount*
(0 if none)
Council Tax
Monthly Amount*
If any arrears please state amount*
(0 if none)
Child Maintenance
Monthly Amount
If any arrears please state amount*
(0 if none)
Utilities
Monthly Amount*
Total Owed*
If any arrears please state amount*
(0 if none)

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I can afford the agreed payment*
- Yes
- No
My payments to creditors are*
- up to date
- not up to date
Are you receiving or seeking money advice?*
- Yes
- No
Have you (currently or previously) entered into*
- Never
- Debt Management Plan
- Debt Arrangement Scheme (DAS)
- Trust Deed
- Individual Voluntary Arrangement (IVA)
- Bankruptcy/Sequestration
- Debt Relief Order (DRO)
Hidden
I have currently or previously entered into
- previously entered into
Hidden
I have not currently or previously entered into
- not previously entered into
Do you have an outstanding Court Decree(s) or County Court Judgement(s) (CCJ) against you?*
- Yes
- No
Debt Management Plan
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*
Debt Arrangement Scheme
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*
Trust Deed
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*
Individual Voluntary Arrangement
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*
Bankruptcy / Sequestration
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*
Debt Relief Order
Start Date*

Day
Month
Year
Monthly Amount*
Date Finished / End Date*

Day
Month
Year
Initial Amount of Arrangement*
Amount Outstanding*

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I AGREE that the current and future shares in my Standard Account (to the value of my loan and future interest) will be held as security for my loan until it is fully repaid*
- I agree
This means you are unable to access your shares for withdrawal until your shares exceed your loan balance. You can then withdraw the difference.
I AGREE (if applicable) that the credit union can contact my credit union officer with regards this application
- I agree

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Please note you have specific rights through the new General Data Protection Regulations (GDPR) (ol)
The right to be informed
The right of access
The right of rectification
The right to erasure
The right to restrict processing
The right to data portability
The right to object
Rights related to automated decision-making and/or profiling

www.transportcu.co.uk

Declaration

Signature*
Date*

Day
Month
Year

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NEWS

Reminder: From 1st May 2024, Members require to complete a form to give a notice of withdrawal from Platinum or Goldsaver account. You can click here to print the required form

Thinking about applying for a new loan? There is no increase to our rates here at the Transport Credit Union – our loan interest rates are staying low!

Worried about the rise in cost of living? If you are experiencing financial difficulties, we invite you to come and talk to us, whether you are a borrowing member or not. Our friendly and experienced team are here for you and can be contacted by email at creditcontrol@transportcu.co.uk.

0141 221 7474

Scottish Transport Credit Union Ltd
186 Argyle Street
Glasgow
G2 8HA

Our Member Service Team can take your personal call

Mon – Thurs 9.30am – 1pm, 1.30 pm – 3.45pm
Friday 9.30am – 1pm, 1.30pm – 2.45pm

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The Transport Credit Union is the trading name of Scottish Transport Credit Union Ltd. “Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority FRN:213869”.

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