Apply for a Restructuring Loan

Are you a member of the Credit Union?

How much would you like to borrow (maximum £20,000)?

What is the loan for?

What term do you want the loan over (maximum 60 months)?

Title

Surname

First name(s)

Date of birth

Marital Status

Do you have any dependent children?

Home telephone number

Mobile telephone number

Email address

Title

Surname

First name(s)

Employment Status

Current address

Post code

Residential status

How long have you lived at this address in months and years?

If you have lived at the above address for less than 3 years, please give your previous address/addresses if more than one

Post code

Residential status

How long did you live at this address in months and years?

What is your primary source of income?

If working, please state your occupation and if full time, part time, self-employed or other and give the name and address of your employer (if applicable)

Please give your payroll/employee unique reference number.

Name on account

Sort code

Account number

How long have you had this account?

PLEASE NOTE: You must supply a copy of your most recent bank statement for your main account covering a period of 6-8 weeks in order for your loan application to be considered. As part of our affordability assessment we do look at regular expenditure. If you have income and/or expenditure on more than one bank account or use a credit card for 'day-to-day' expenditure please supply statements for those accounts.

Do you have any other accounts?

If yes, please supply recent statements for the accounts you use for household bills and expenditure showing a minimum of two months’ transactions and your primary source of income. Please note that if your loan application is agreed your loan will be paid by BACS transfer into your bank account as stated on this application form unless otherwise arranged by yourself or the Credit Union.

Earnings from work

Benefits/tax credits

Pension (received)

Expenses (received)

Other income

Do you have any rental income?

If yes, please provide the address of the property and a bank statement showing income (rental) and expenditure (e.g. mortgage, management fees) if in separate account

Housing Costs e.g. rent, mortgage

Council Tax

Utilities (gas, electricity, water, TV licence)

Groceries (food, toiletries and other products)

Clothing/Uniforms

Telephones/Internet/TV/Media charges

Travel Costs (Fares, Petrol)

Car expenses (MOT, Tax, Service)

Life Insurances and Pension Contributions

General Insurance (Home, Car, Pet)

Savings

Secured Borrowing (other mortgages, car, HP)

Unsecured Loans

Credit Cards

Charitable Givings

Entertainment/Birthdays

Child Care Costs

Additional Educational Expenses

Do you own any property that is not your principal residence? If yes, please state the total costs on this property if not included above.

Any other regular expenditure

Please complete the details of the accounts you wish to settle and provide a copy of the most recent statement for each.

Have you ever had a County Court Judgement?

Have you ever had a Debt Relief Order?

Have you ever had a Debt Management Plan?

Have you ever had an Individual Voluntary Arrangement?

Have you ever been known by any other name/s in the past?

Please tell us about how you heard about Churches Mutual Credit Union

Full name

Address

Relationship

Contact details

Data Protection

Data Protection Act 1998: Your Personal Information will be treated as confidential and will only be disclosed a) at your request b) to our agents in managing your accounts c) in the public interest d) to prevent fraud or by the order of the courts or e) taking up references. The Data Protection Act gives you a right to a copy of your personal records held on our files on request

In order to assess your application Churches Mutual may take up such references and make such enquiries about you as we consider necessary, this will include carrying out a search the files of a credit reference agency. The fact a search has been made will be recorded by each credit reference agency used and the data supplied will be available to other lenders and others authorised to search the credit reference agencies files, for purpose such as the credit assessment of you and members of your household and occasionally for debtor tracing and fraud prevention. If your application for finance is accepted then details about you and the conduct of your account will be passed to credit reference agencies and these details will be used for similar purposes. We may also disclose information about you and the conduct of your account to credit industry fraud avoidance networks and to tracing and debt collection agencies and our solicitors. Full details of how we treat your personal data can be found on the ‘Privacy Notice’ page of this website.

I declare to the best of my knowledge I am in good health and fit to make the monthly repayments on my loan.

I declare that the facts, matters and statements made on this online application for the purpose of obtaining the loan are true, complete and accurate in all respects and I acknowledge that, if any such facts, matters or statements are not true, complete and accurate in all respects, the CHURCHES MUTUAL CREDIT UNION LTD is entitled to refuse the application for the loan or take civil or criminal proceedings against me, if the loan has been granted. I also confirm that if there is any change in my circumstances during the loan application process I will inform Churches Mutual immediately.

Bank Statements

Bank statements in the following formats: .jpg, .jpeg, .pdf, or .png can be uploaded using the field below. If you have more than 64 MB of statements you can also use the online submission form in the account services section of our website. Alternatively you may send them as an email attachment to loans@cmcu.org.uk