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Tel: 0141 445 0022 Fax: 0141 440 2294 Email: firstname.lastname@example.org
Final chance to make your voice heard
We have had a great response to our recent request asking for the help of our members in shaping future loan services.
We issued a short survey to help us understand our members’ needs better, particularly in relation to loan provision, and hundreds responded.
Time is now running out, with the survey about to close, but it's not too late for you to play your part. All we would ask is that you click on this link, fill in the survey and click “done” when you're finished. That's all there is to it.
It will take no more than five minutes of your time, and it could help us improve the financial health of fellow NHS staff across the country.
Are your contact details correct?
Your NHS Credit Union is in the middle of a massive development programme which will improve the way we deliver services to our ever-increasing family of members.
For the project to achieve its goals, it is vital that the contact details of all our members are accurate and up to date ... and that's where you come in.
We are asking all our members to check that the information on their account is accurate, and as detailed as possible.
Have you moved house? Make sure we know your new address.
Have you changed your name after getting married? Make sure you have informed us of the change.
Have you changed your bank or your beneficiary? Make sure you have told us the new details.
We are keen to keep all our members involved as we take this next step forward, but we can only do that if you help us by making sure you provide us with all the correct contact details.
If you need to change any information, click on this link and complete the request for a change of details form. We will then post you the form for completion and signing, along with details of any paperwork you need to provide us with to authenticate the change. It's imperative that you provide the required documentation.
As we move forward, we are hoping to use email to speed up the communication process with all our members. Can you please check if you have given us an email address, and if not, then please give us one if at all possible.
Thanks for your co-operation in this matter.
Step-by-step guide to our new phone system
Hundreds of members have now registered for our new automated telephone system, giving them access to a wide range of Credit Union services at any hour of the day or night.
Members wanting a share withdrawal now need to submit their request either online or through the phone system. This speeds up the process and means the funds are in their accounts much quicker.
Detailed guides have now been completed to help you register for the telephone service, or get online.
To access the phone guide, click HERE
To access the online guides, click HERE
It’s an all-time record
Your NHS Credit Union now has more than 700,000 reasons to celebrate.
Figures just released reveal that loans issued by the organisation reached a staggering £737,316 in May - the first time in our 15-year history that loans have topped £700,000 in any month.
Total loans issued since we started out in 1998 are now approaching £47million, with almost £2.5m distributed to members in the first five months of this year alone. Savings and membership have also surged, with around 11,000 members having a total of more than £12m in savings.
The record-breaking loan total is just the latest success for your credit union, which has invested heavily in new technology since celebrating its 15th birthday.
Visits to our website have soared by more than 36% to 86,763 since it was relaunched in January. And hundreds of members have already registered for our new automated telephone service in its first few days of operation.
General Manager Robert Kelly described the latest success as a phenomenal achievement.
He added: More and more people are beginning to realise what a difference a credit union can make to their financial health. The growth in our loan book shows that thousands of NHS staff have benefited from our services - and we would hope to help many more in the years to come.
Hugh Sweeney, Chair of the credit union, was also delighted at the development - and the remarkable efforts put in by the credit union staff.
He said: The growth in business has meant a hugely increased workload for our staff, but they have shown great willingness to adapt to change. Our staff are a huge asset when dealing with members, and their efforts are genuinely appreciated.
The NHS Credit Union was launched in November 1998, and in its early stages operated from a nurse's bedroom in Glasgow's Southern General Hospital.
It now has its own offices, a growing staff of 10 ... and caters for health service workers and their families all over Scotland and the north of England.
Be aware of this scam
Scam website alert ...
Members of the NHS Credit Union should be aware of a scam website which has recently been established. Based in South Africa, it is offering loans - claiming to be from the NHS Credit Union. This organisation has nothing to do with the NHS Credit Union and should not be mistaken for such.
The scam address is NHS cred union.
We have informed the relevant authorities of the situation and requested that the scam website be taken off line. In the meantime, we are just making our members aware of the situation.
If any member of the NHS Credit Union has any concerns about this issue, they can get in touch with us through the Contact Us link on our website at www.nhscreditunion.com or by telephoning the office on 0141-445-0022
Talk to TESS
TALK TO TESS ...
The latest steps have just been taken to improve the services on offer to members of the NHS Credit Union. We have launched our new, automated telephone system (TESS) - and the great news is that this facility has now gone live.
Once you have contacted the office for the first time and set up your phone PIN, the system opens up access to a wide range of member services through the telephone - 24 hours a day.
Naturally, there will be teething problems with the launch of any such service, and we would like to thank you for your patience to date, and ask you to bear with us as we fine tune the system so that it best meets your requirements.
For detailed information about the best ways to use the new system, click the link below
Cheque this out - please
YOUR NHS Credit Union would like to inform members of a change in service provision.
As of now, the cheque encashment facility is no longer be available at Linthouse Post Office.
The reason for the change is that the current shop will no longer be a sub Post Office.
Members should rest assured that the change should NOT mean any delay in them receiving funds as we now use Immediate Payments, which will pay the money into their bank account after 5pm on the day requested.
The quickest way for a member to get funds from now on is to submit a share withdrawal online before 2.30pm. Assuming there are sufficient funds in the account, the request will be processed and paid out that night.
We'd like to apologise for any inconvenience caused by this change at Linthouse Post Office.
Help us to help you
Recent policy changes at the NHS Credit Union have made it easier for members to apply for loans. These changes have proved very popular with members - and resulted in a huge increase in demand.
Unfortunately, with that increase in demand, there has been a corresponding increase in the time taken to process applications. As all loans are personally assessed to ensure they are suitable for the individual member, we are now taking the full five banking days to reach decisions.
The staff are doing everything in their power to reach decisions as quickly as practical - and this is where members can help us to help them.
We fully appreciate that members are anxious for news on their applications, but every time a member phones the office to inquire when they will get a decision, staff have to stop processing loans to answer that inquiry.
If members could allow us the five bank working days stated in the application form BEFORE phoning the office, we would be very grateful.
If you have not received any contact from us - and if the funds are not in your bank account after that time - then feel free to contact us to make sure we have received your paperwork.
Members should also bear in mind that many of their inquiries can now be answered online. Simply by registering through our website at www.nhscreditunion.com, they can access a wide range of services ... with easy-to-follow help guides available should they encounter any difficulties. Again, this reduces the number of telephone calls coming into the office.
Your co-operation in this matter would be greatly appreciated ... and would allow us to provide you with a better service.
Golden days for NHS Credit Union
Read all about it
The last financial year was a landmark one for your NHS Credit Union - and you can now read some of the highlights online.
The annual report, which outlines some of the key achievements of last year, as well as targets for the year ahead, is available for members to read by clicking the link below.
A selection of pictures from the meeting can be found HERE
Keeping you in the picture
Robert leads curlers to victory
Credit Union director Robert Hosie showed he was a dab hand with a broom when he led a team of curlers to success in the annual NHS Bonspiel.
The event took place at Kinross, less than 24 hours after the GB mens’ curlers took Silver in the Winter Olympics at Sochi.
The winning Greater Glasgow & Clyde team was made up of Steve Russell (skip), Neil Murray, Marjorie McCulloch and lead Robert Hosie.They won both their games, beating Fife 16-6, and Tayside 19-0.
Robert (second from left) is pictured with the rest of the victorious rink after an enjoyable day ... even if some of the curling was not quite up to Socchi standards!
Beware of Spam
We would like to advise members to be wary of an email which is being sent to a host of email addresses in the UK.
It offers loans in South African Rand and purports to come from the NHS Finance Credit Union.
We are not aware of any organisation known as the NHS Finance Credit Union.- and if such an organisation does exist, it has absolutely NO connections with the NHS Credit Union.
Your NHS Credit Union would like to urge all members to be careful if you receive communications from the
NHS Finance Credit Union and if you are in any doubt, do NOT click on any links or respond to the email.
Your NHS Credit Union will be sending out newsletters to members and other communication updates in relation to our annual general meeting. This correspondence will be identified as coming from the NHS Credit Union, and will have gone through our website security system.
If you have any worries about this issue you can call our office on 0141-445-0022.
Start spreading the news ...
Your NHS Credit union has been hitting the headlines again. Find out why by reading this article in the latest staff newsletter
Make a date
Here's a date for your diary ... Thursday, January 30. That's when the annual general meeting of the NHS Credit Union will be held ... but it won't be like any previous AGM. We're not giving away too much at this stage, but the evening will feature a celebration of our 15th birthday. Watch this space.
Another big step forward
Your NHS Credit Union has just achieved another significant milestone in its development.
We have become the first credit union to be granted Version 2 status since the Prudential Regulation Authority and the Financial Conduct Authority took over the regulation of credit unions.
The move greatly increases the flexibility we have in the product range we can offer - including larger loans over a longer period of time.
Version 2 credit unions also enjoy more flexible borrowing and investment rules, and very few credit unions in the UK have achieved this status.
We'll keep you posted on new services and other developments as and when they are unveiled, but it promises to be an exciting year ahead as the NHS Credit Union fulfils its pledge to extend the ways we can offer members of our family a financial helping hand.
The NHS Credit Union was formed in Glasgow in 1998, and as we prepare to celebrate our 15th birthday, we have seen membership grow to almost 10,000 people, saving just under £12million between them. The credit union has lent more than £42m since it started.
Fight stepped up on payday loan misery
Two of the biggest public bodies in Scotland have joined the fight against payday lenders preying on vulnerable families.
And both are also taking positive steps to persuade employees of the benefits of credit union membership.
As was widely reported in a number of newspapers such as the Herald (right) NHS Greater Glasgow and Clyde has now joined Glasgow City Council in blocking access to payday loan websites from office computers.
The bans come in the wake of a shock council report revealing how up to 100,000 people in Glasgow are borrowing £57m a year from payday loan companies, pawnbrokers and other non-standard lenders.
City Council Treasurer Paul Rooney said: There has been some important work done at a national level, but this is the most significant research anyone has done on the extent and the impact of payday lending in one community.
I think we all suspected that the use of these loans would be relatively high in Glasgow, but the figures are startling.”
The council found its evidence suggested many of those struggling with payday loans would have been better served by a credit union.
The health board is the west of Scotland’s largest employer with more than 38,000 staff.
Its action on payday websites is part of a determined drive in partnership with the NHS Credit Union to promote responsible lending and saving to staff and patients.
Dedicated financial advice and support is now available to all staff. This includes encouraging them and their families to become members of the NHS Credit Union which the board says is “one of the most trusted and secure ways to save and receive loans with no hidden penalties - unlike many doorstep or payday loans companies”.
Dr Noreen Shield’s, NHSGGC Corporate Inequalities Officer, added: “We know that financial worries, debt and poverty are affecting almost every aspect of people’s lives, having a damaging impact on their work and home lives, family relationships and health.”
Robert Kelly, General Manager of the NHS Credit Union, said: “It is excellent to see such a large public sector organisation taking a lead in this field and I am very hopeful that the private sector will now follow suit.
“As one of Scotland's fastest-growing financial institutions we don’t just offer our services to NHS staff but also to their families as well. Through our long standing partnership with NHSGGC we are very keen to attract young members and are determined to create a whole new culture of learning how to handle finances responsibly and ethically.”
To find out more about the new drive to encourage sensible borrowing, log on to any of these sites:
Read all about it
It's been a busy period for staff at your NHS Credit Union, with loans hitting new heights and more members joining our financial family. See what one newspaper made of the success story at the link below.
We aim to please
Staff at the NHS Credit Union go out of their way to help members - and the service is appreciated - as this email from member Marilyn King confirms.
Marilyn wrote: Would just like to take the opportunity to thank you for all your help
Really appreciate all the help and assistance and common sense approach I received. I have experience in banking myself, so I know what it can be like at times and there is no-one more demanding than the public.
Please keep up the good work.
Thanks Mariliyn, we do aim to please.