FAQ

Have a question not asked here? contact us at enquiries@bluesandtwos.org.uk

  • Can I request a BACS transfer to a third party?

    For BACS transfers you are asked to confirm your bank details using the BACS form provided and we will only transfer funds to your account.  You may have more than one account registered with us.  We do not store Third Party payment details so if you are wanting to pay a ‘Third Party’ you can request this on a Share Withdrawal form and we will post a cheque to you.


  • How do I register and log-in to my account?

    To “Register” for online access to view your Savings & Loan Account balances, send in your online requests and much more….  Simply click on the ‘Register’ link at the top right of our home page and complete the registration form or click here.  Please wait 24hrs for your registration to be complete.  Please note that when we are closed you may need to wait a little longer before logging into your account.


  • Who can join?

    When we started out in 1992 we were here for employees & retired members of the Lancashire Police, we extended our Common Bond to include Cumbria a few years later and now employees of Lancashire fire, ambulance service & employees of all councils in Lancashire & Cumbria can join … and it doesn’t stop here….  For full details of our Common Bond & who can join – please see the Applying for Credit Union Membership page.


  • How do I join?

    It’s really easy to join  – simply complete the online Membership form


  • How much must I save?

    Members must save a minimum of £10 per month, its amazing how fast this builds up.  Members who take out a loan must also save at least £10 & this can be used to repay your loan early without penalty.   The max you can save in any one month is £500. A dividend on the balance of your savings is calculated daily and paid annually gross of income tax.


  • How do I get a loan?

    Simply enter the amount you wish to borrow into our online Loans Calculator, decide on the best repayment period for you and select Online Loan Application. You can visit the Applying for a Loan page for more details. We will not ask you to select standard repayment periods such as 12, 24 or 36 months, you can ask for your repayment to be any period up to 5 years. If 32 months suits your budget – tell us!

    You will find our Loans Applications are strictly confidential and are processed as quickly as possible – usually within a couple of days. An added bonus is the Free life cover on both savings and loans. Life Cover Details >


  • How much can I borrow?

    In the first 6 months of Membership you can borrow up to £7,500.  When you have been a member for 12 months or more you can apply to borrow up to £25,000 and you don’t have to wait for your loan to end before applying for another one, so if you would like a car loan over 5 years and then after say 3 years you decide to change that car you just tell us and we will help you with repayment figures for your new purchase.  Alternatively you could use our Loan Calculator to help you work out repayment costs to suit your budget.


  • How do I pay?

    It couldn’t be simpler. You can save with us and repay a loan with us directly via your pay / pension or by standing order.  No hassle, no problems – what you’ve never had, you never miss! (as they say).


  • Can I get at my money quickly?

    Yes. We will send your funds directly to your designated bank account. You simply Download BACS Authorisation Form (262.3kb), complete and send to our office to register your bank current account details onto your Blues & Twos account. When you decide to withdraw some funds you simply submit an online request via the Members Area of this website or contact the office by telephone (01772-618833) or in person. We will send your savings to your bank. Alternatively you may request a cheque, this can also be done online. Should you wish, we will mark this cheque “Open for cash” and it can be cashed by you, at Yorkshire Bank, Fishergate, Preston. This cheque must be collected from one of our offices, it cannot be posted for security reasons.

    You could Download Prepaid Card application (380.5kb) and check out our credit union prepaid card. Funds can be uploaded onto your card same day and the card can be used wherever you see the Visa sign. Its a great budgeting tool!


  • Is my money safe with you?

    Important information about compensation arrangements

    We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a credit union is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

    In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the credit union, including their share of any joint account, and not to each separate account.

    For further information about the scheme (including the amounts covered and eligibility to claim) please call us on 01772 618833 or ask at your local Blues & Twos Credit Union office , refer to the FSCS website www.fscs.org.uk or call 0800 678 1100. Protecting your money – FSCS-A guide to how the FSCS protects your Money (933.9kb)


  • Do you have an office?

    Yes. Our main office is at Lancashire Police Headquarters. We are open Monday to Friday between 10am to 4pm. We also have an office within Lancashire County Council, County Hall, Preston. This office is open from 12noon-2pm on Mondays, Wednesdays and Fridays.

    Please Note: Personal callers at our main office are welcome but for security reasons if you are not currently employed by the police please contact the office to let us know when you will be visiting and bring some form of photo identification with you.

    Unlike a lot of banks you won’t have a multiple choice answering machine when you call our office – telephone calls are dealt with promptly when the office is open and personal callers are very welcome. Our staff are friendly and knowledgeable and will give any credit union member help and advice.


  • Can I apply for Additional Borrowing?

    Yes.  We understand you may have a loan with us and at some point in the future need extra funds.  We allow you to take out additional borrowing before your current loan ends & without charging you an early repayment penalty.  You can either pay off your existing loan using other funds and apply for a new loan or you can apply to Top-up your existing loan with a new loan.  We then set up a new loan for your remaining balance plus the extra amount you want to borrow, then we pay off your old loan. The new loan may have a different term length and a different interest rate. This may mean you pay more interest than before. N.B We allow up to 3 loans in any twelve month period.


  • I am experiencing some financial difficulty and I have a loan with you. What should I do?

    We understand that some members may experience financial difficulty at some point in their life.  We ask that you contact the office at your earliest opportunity to tell us your situation so we can see how we can help.


  • How can I make a complaint?

    Learn more about this…  


  • Can’t find the answer your looking for?

    Contact us on Tel: 01772 618833 or email us at enquiries@bluesandtwos.org.uk and we’ll be happy to answer your query


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What is a Credit Union?


Blues & Twos Credit Union is a “not-for-profit” financial co-operative, which is owned entirely by its members who all have a common goal to benefit their community, as well as being run by a trained, professional team. Setting up the policies, compliance and strategic governance is the Board of Directors who draw experience from a variety of business/public sector backgrounds.

The Blues & Twos team offer you ethical savings and affordable loans, which means that you can save as you borrow! With a non-profitable credit union, we put the focus on ensuring that you are always provided with the best service, rather than maximising profits. This way, the credit union is run with the end goal of rewarding the members.

Latest News

  • Tuesday 11 December – Open 9am-11am only

    On Tuesday 11 December the Credit Union will be open from 9am – 11am only.  We apologise for any inconvenience caused.  The office will re-open at the usual time of 10am on Wednesday 12 December.

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  • Need a little Christmas help?

    Christmas loans are popular again this year so please bear with us if there is any slight delay in your receiving yours.  Borrowing a little to help you through can save you money in the longer term and help you avoid steep credit card interest rates.  Agreeing the amount for repayment and the term before Christmas, can help you better […]

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  • Salvation Army Food Donations….

    This is our third year collecting, from you our members

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  • 2019 Blues & Twos desk calendars now available…

    Have you requested your 2019 desk calendar?  If not, send us a quick email to mailto:enquiries@bluesandtwos.org.uk confirming your work address and we will get them in the post to you. Any colleagues not currently a member?  Introduce them and you will receive £10 into your Blues and Twos Account once their membership is set up.  […]

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  • Blues & Twos Society – November Winners

    PRIZE DRAW WINNERS – NOVEMBER 2018  ***FIRST PRIZE – £500*** HELEN WHITTAKER ***SECOND PRIZE – £150*** RACHAEL PRICE  3rd  Prize  £75  PAUL ELLIOTT 4th Prize £25 FRANCIS SMITH 5th Prize £25 CAROLINE SHELSTONE 6th Prize £25 MARK HANSON 7th Prize £20 LANCASHIRE POLICE – SPECIAL BRANCH 8th Prize £20 D BROWN 9th Prize £20 LANCASHIRE POLICE – G DIVISION 10th Prize £20 […]

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  • Annual General Meeting 2018

    Our Annual General Meeting is set to take place on Tuesday 11 December at 1pm, Connolly Room, Lancashire Police Headquarters, Hutton. Those wishing to attend are asked to contact the Blues & Twos office before 4pm on Monday 10 December so our office staff can ensure you are added to the visitors security system.  Without this you will be unable to gain access to the […]

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  • Keen to receive your feedback

    If you have taken out a loan with us in the last six months please complete our quick Online Loans Survey We appreciate all feedback. Thank you if you have already completed the survey.

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  • From 1st January 2019

    With effect from 1st of January 2019 the credit union will no longer accept bank notes or coins.  Members wishing to make adhoc payments into their account may do so via their online banking.  Please call the office if you would like further information.  We apologise for any inconvenience this may cause.

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  • Blues & Twos Society – October Winners

    PRIZE DRAW WINNERS – OCTOBER 2018  ***FIRST PRIZE – £500*** JAYNE BRANDON ***SECOND PRIZE – £150*** JULIE DRYSDALE  3rd  Prize  £75  SAMUEL LAWRENCE 4th Prize £25 NICOLAS CROSS 5th Prize £25 MARTIN COOPER 6th Prize £25 LYNDA QUIRK 7th Prize £20 LANCASHIRE POLICE 8th Prize £20 JOHN BAXTER 9th Prize £20 LYNN GORNALL 10th Prize […]

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  • B&T Lottery – Have to be in it – to win it!

    The Blues & Twos Society is an independent organisation totally separate from the credit union.  It is run by a group of credit union volunteer members who raise money through a monthly drawn lottery.  This money helps to keep down administration costs for the credit union and so provide a better service and dividend to […]

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  • Lending Team report positive feedback

    The Blues and Twos Lending Team report positive feedback from members receiving their loans even faster than ever before with the New Loan Agreement & document file transfer system that allows electronic online signing.  The Chief Executive Officer Vicky Harrison said “Implementing DocSAFE has resulted in enhanced security for the transport of documentation to our […]

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  • An Apprenticeship with Blues & Twos — A Great Way to start your working Career

    Two years on from beginning her Apprenticeship and with many skills and competences gained, Emily talks about her Apprenticeship with Blues & Twos ….. “Starting a new path in life can be rather daunting especially when you are unsure of exactly what you want to do (as most of us are at 17 or 18).  […]

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  • Winner of Member No 13000 Competition

    Welcome to Sue Bassam who joined our membership and was the winner of our “Member no 13000” competition winning a bottle of Prosecco. Sue commented ‘Joining Blues and Twos has been a great experience. It has help me save towards my Summer Holiday. With it going directly out of my wage, I’ve hardly noticed this. I would recommend Blues […]

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  • Winner of the Blues & Twos Society Bumper Draw.

    Congratulations to John Baxter who is the winner of our July Bumper Lottery Draw.  He was overjoyed when he was advised of the win and said “we are saving for a visit to friends in Seattle so this will help towards that goal”

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  • Car Finance – No final lump sum or balloon payment

    Option 1 – Fixed APR CAR LOAN Finance amount – £10,000 Monthly repayments – £183.67 Total repayments – £11,020.15 Term – 60 Months APR – 4% Fixed Optional lump sum – Nil     Option 2 – Homeowner Fixed APR CAR LOAN Finance amount – £15,000 Monthly repayments – £275.51 Total repayments – £16,530.19 The […]

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  • Work not Worry with a Blues and Twos account

    The Association of British Credit Unions, known as ABCUL, have launched a campaign just yesterday that focuses on raising awareness of the benefits for employers to partner with credit unions in offering their staff payroll membership. If you are an employee, you can also suggest your employer partner with a credit union. Payroll membership is […]

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  • Fairbanking 5 Stars Award goes to Blues & Twos…

    The Fairbanking Mark was awarded by the Fairbanking Foundation following a rigorous assessment which includes independent research involving borrowing members of the credit union. To receive the Fairbanking Mark, this research had to confirm that members have changed their financial behaviour for the better by having the product.  Following the 5 stars Award, on behalf […]

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  • Something for Unison members…

    Members of Unison working in Lancashire & Cumbria can now join.  https://www.unison.org.uk/…/credit-u…/directory/north-west/ Are you eligible?http://www.bluesandtwos.org.uk/membership/memberships/

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  • Leaving your employment does not mean leaving us

    Here at Blues & Twos our professional friendly staff will help you organise your transition from employment to pension or otherwise.  All our members are valued highly and just by contacting enquiries@bluesandtwos.org.uk or 01772618833  we will ensure continuous contributions into your account and don’t forget up to the age of 65 yrs we continue to cover you with FREE […]

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