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Our partnerships and other helpful services

We are a bank that prides itself on its’ values and ethics. There are charities and organisations that can help out those who are experiencing financial difficulties and other difficult times.




Citizens advice

In 2016 we launched a ground-breaking new referral programme with Citizens Advice Manchester to help customers who find themselves in financial difficulty.

This partnership gives our customers a prioritized service. Once a customer is referred we can guarantee first contact within 48 hours, meaning that they can quickly get the advice they need to get back on track.

Uniquely, this resource supports customers in financial difficulty by looking at their overall financial and personal circumstances, not just the accounts they hold with us. This helps to get to the root cause of financial difficulties and provide the right kind of support.

In 2018, we referred 576 customers, equating to the management of £430,000 of customer debt.

You can read more about Citizens Advice here



StepChange

We work closely with StepChange, a debt charity who offer confidential, free, impartial and independent debt advice. StepChange are a great option if you have some spare income, and want to organise and tackle a debt problem.

We have a direct line to StepChange, meaning we can refer our customers straight to them, getting them the help and support they need, when they need it.

In 2018, we referred 253 customers to StepChange, meaning that so far 1,363 of our customers have benefitted from their support

You can read more about StepChange here



National Debtline

If you want to get debt advice before contacting us, you can call National Debtline.

National Debtline are a charity who offer free debt advice. They are authorised by the Financial Conduct Authority and help over 150,000 people a year.

Visit the National Debtline website

There is a specialist service available for businesses. Business Debtline offers specialist help and advice for businesses experiencing financial difficulties.

Visit the Business Debtline



Alcoholics Anonymous

Get help with alcoholism.

Alcoholics Anonymous help men and women who suffer from alcohol addiction. They do this by encouraging people to share their experience, strength and hope to solve their common problem and help others to recover from alcoholism.

The only requirement for membership is a desire to stop drinking. There are no dues or fees for AA membership; AA are self-supporting through our own contributions.

More about AA



GamCare

Get help with a gambling addiction.

GamCare are the leading national provider of information, advice, support and free treatment for anyone affected by problem gambling. They offer expert guidance and support helping those overcome gambling addiction.

The GamCare self assessment tool helps to identify gambling problems and provides tailored support.

Self assessment tool

You can get help and advice about problem gambling and addiction from GamCare.

Get help and advice from GamCare



Money Advice Service

The government established Money Advice Service offers free and impartial advice.

They help people improve their finances and have handy tools and calculators to help you stay on top of your money.

Their website features a variety of handy tips and hints, from budget planners to mortgage calculators.

Visit the Money Advice Service website



Refuge

Refuge are a charity who help survivors of domestic abuse.

They do great work providing support to women and children that have escaped violent or volatile situations.

We returned to ethical campaigning with leading domestic violence charity Refuge, highlighting the issue of financial abuse in intimate relationships. It affects one in five people, click here to read more about the campaign.

A consumer information leaflet with help and support for victims of financial abuse has also been created and is available from all financial organisations who have signed up to the Financial Abuse Code of Practice.

You can find out more about Refuge on their website