WELCOME

Yourlocal, ethicalfinancial provider

www.facebook.com/hoot @hootcreditunion

Our Objects

The objects of Hoot Credit Union are:

● The promotion of thrift among its Members of thesociety by the accumulation of their savings;

● The creation of sources of credit for the benefit of itsMembers at a fair and reasonable rate of interest;

● The use and control of Members’ savings for theirmutual benefit;

● The training and education of Members in the wiseuse of money and in the management of theirfinancial affairs.

Welcome to Hoot

Hoot Credit Union is there for you withflexible, approachable financial services,whether it's for personal loans or savings.

Our only shareholders are our members,which means you - and yourcommunity - are in control.

Members are more than just customersbecause we put you first.

Our products and services are designed tohelp our members manage theirmoney well and our profits are sharedamongst members or used to benefit thewhole community.

Whether you are a saver or a borrower youcan be assured of a good deal, excellentservice and the knowledge that you arehelping others in your community to accessfair and affordable finance.

We only lend money to our members wholive or work in Bolton and Bury. That meansthat the money stays at the heart of thecommunity and benefits everyone.

You can check if anyone you know is eligiblefor membership on our website.

www.wisewithmoney.org.uk

Every penny is used to benefit you. Thatdoesn’t mean less security though - you’reprotected by the Financial ServicesCompensation Scheme (FSCS).

You are the shareholder and your interestsand those ofother members come first. Profits are sharedamongst the members, not fat catcity investors.

Members elect the Board of Directors torepresent your interests. The Board reportback to members at the annual generalmeeting.

Our staff understand what memberswant and everything we do is for the benefitof members and the local community.

Hoot offers flexible savings and affordableloans at fair and responsible rates saving thecommunity hundreds of thousands of poundsin loan interest.

See our website for opening hours

Saving with Hoot

Whether it’s a dream holiday, the cost of Christmas, back to school expenses ora nest egg for life’s little emergencies, opening a Hoot Savings Account is the firststep to getting on the savings ladder.

We offer instant access to secure savings with a local, friendly service. By savingwith us you are also eligible for an annual dividend (Subject to credit unionperformance)

Ask about our Christmas Savers or our Young Savers accounts.

Your savings are protected by the Financial Services Compensation Scheme to amaximum of £85,000. For more information Click Here

Affordable Loans

Hoot offers loans from £200up to £15,000 at affordableinterest rates.

When you apply for a Hootloan you can be reassuredthat you will be treatedfairly and won’t be pressuredinto borrowing above yourmeans.

Interest on a credit unionloan is calculated on yourreducing balance, whichmeans that you pay less inthe long run. If you pay yourloan off early or pay alittle extra each time you willnot incur any penaltycharges.

Hoot Products and Services

Hoot loans even come withfree life insurance, somethingthe credit unionprovides free of charge, sothat should you die your loanwill be repaid so thereis one less thing for yourloved ones to worry about.(Subject to age restrictionsand other terms andconditions)

See our website for opening hours

Managing your account

You can deposit savings, make loan repayments or withdraw savings in a number of ways:

You can set up a standing order from your bank account to deposit savings ormake loan repayments.

To set up your standing order using online banking the details are:

Account Name: Hoot Credit UnionSort Code: 08-92-99Account Number: 65155288Reference: Your membership number

Please remember to give your ember number as your reference as this is the bank account for thecredit union , not your own account number. Drop up a line to let us know how you want yourtransfer to be deposited; e.g. £15 loan, £5 savings.

At Hoot Credit Union in The Square, 53 - 55 Victoria Square, Bolton you can make deposits, pay loanrepayments or withdraw cash from your savings. (Maximum limits apply).

You can deposit savings or make a loan repayment with your VISA debit card over the telephone orat our Town Centre office. (Maximum limits apply)

A convenient prepayment VISA card that can be loaded with your savings and loans and used in shopsor online to make purchases. Ask our member team about applying for the Prepaid Card.

You can register for BACS payments for withdrawals of savings. Once registered you can arrange awithdrawal by telephone, email, from your online account or in person. Contact us to register yourbank details

If your employer is part of our payroll deduction scheme then you can allocate a portion of your wageto be automatically deducted into your Hoot account. See the list of employers here

You can have your wages, salary or benefits paid directly into your Hoot account.

Register inthe memberarea ordownloadthe App

Click on the image for member area or Incuto AppGoogle PlayApple StoreMember Area

Hoot Credit Union is a Co-operative and Community Benefit Society and members are bound by creditunion rules. As a member of the credit union you are expected to abide by the rules. A copy of the rulesis available from the credit union on request. This is available free of charge in electronic format atany time or as a hard copy if requested within 3 months of your membership commencing. After thathard copies will be charged at £3.

Key points regarding your membership contained within these rules are:

● By joining the credit union you are agreeing with its social goals.

● You must retain a minimum balance of £1 to remain a member of the credit union.

● As a condition of membership you must save regularly with the credit union to a maximum amountdetermined by rules (Please ask for current maximum).

● You have access to your savings at any time by means provided by thecredit union; unless your savings are attached to a loan according to any loan agreement you havesigned.

● You agree to pay back any loan you have according to the signed agreement.

● You may withdraw your membership at any time in accordance with theRules.

Terms and Conditions of Membership

Hoot Credit Union will process your data in accordance with yourrights under the Data Protection Act 1998 and GDPR 2018. Yourinformation may be processed by this credit union in any form and onany database used by us to consider any applications made by you andto deal with your account(s) or run any other services we provide toyou.

Hoot will periodically send you a newsletter, statement message, newterms and conditions or information about any changes to the wayyour account(s) operate.

We may share data with regulatory, law enforcement or fraudprevention bodies to undertake statistical analysis, money launderingchecks, compliance and regulatory reporting and fraud prevention.We may also share with credit reference agencies for financial riskassessment or with suppliers for the provision of third party servicessuch as payment services or pre-paid cards.

We will always ensure that your information is shared lawfully.

The legal basis for processing your personal data can be found in ourPrivacy Statement available online atwww.wisewithmoney.org.uk/privacy-policy.A paper copy of our Privacy statement is available on request.

Our promise to you is that we will always be fair andreasonable whenever you feel dissatisfied with ourservice or products. Should there ever be an occasionwhen you feel that we have failed to honour ourpromise, we will do everything possible to ensure thatyour complaint is dealt with quickly and fairly.

The easiest way to sort out any problem is bycontacting the Complaints Officer on: 01204 365024

If you would prefer to put your complaint in writing,our postal address is:

Hoot Credit UnionThe Square53 - 55 Victoria SquareBoltonBL1 1RZ

or you can email: enquiries@wisewithmoney.org.uk

We will always attempt to resolve your complaintimmediately and upon receipt, but if this is notpossible, then we will send you a writtenacknowledgement within 3 working days. We willwrite to you to confirm ourresolution of your complaint.

If we have not resolved your complaint within eightweeks, or if your complaint is still not resolved to yoursatisfaction, you have the right to refer to the FinancialOmbudsman Service.

The contact details for the Financial OmbudsmanService are:

Financial Ombudsman ServiceSouth Quay Plaza 2183 Marsh WallLondonE14 9SR0845 080 1800www.financial-ombudsman.org.uk

The Financial Ombudsman Service will handle mostcomplaints you might have, but there are someinstances that fall outside its authority. TheOmbudsman's decision is binding upon us, but you arefree to reject it without affecting your legal rights.

Just like your high street banksand building societies, the moneyyou deposit into your credit unionaccount, up to £85,000, isprotected under the FinancialServices Compensation Scheme(FSCS). If you have a joint accountyou will be protected for £85,000each.

FSCS protection is free tocustomers, so if anything happensto your bank, building society orcredit union, and you cannotaccess your money, the FSCS willrefund you up to the amount of£85,000.

For more information on howwe protect your money pleaseclick here.

The Square, 53-55 Victoria Square

Bolton, BL1 1RZ.

01204 365024

enquiries@wisewithmoney.org.uk

FRN 400120, Registered no: IP00716C. Authorised by the Prudential Regulation Authority and regulated bythe Financial Conduct Authority and the Prudential Regulation Authority