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Passionate about helping you SAVE, there when you need to BORROW Proud to be helping over 8800 members with good financial well-being direct from their pay / pension Join the Blues and Twos family today Opening new accounts promptly for those in need of a little extra help right now during the Covid-19 situation

Testimonials

What our members say about us

We are delighted to receive your comments on the service you receive from us.  Good or not so good, if the service you receive is or is not to the highest standard we want to hear about it. Please send your feedback positive & negative to enquiries@bluesandtwos.org.uk. Please include your name and membership number alternatively you could download our feedback form and send using our freepost address.

  • Wow! What an amazing surprise when I spoke to you today and discovered I have a considerable sum saved in my account.  I had never missed the money each month as it comes out with all the other deductions.  Thank you – It was a great start to my early retirement and I will continue to save a small amount each month to make the most of the life cover and other benefits.

    S Smith


  • Thank you all so much for the wonderful job you do in running our Credit Union, for the excellent customer service, the user friendly website and regular updates.  With love and gratitude.  Collette Kennedy.

    Collette Kennedy


  • Many thanks, for all the teams efforts  this year,  they are very much appreciated. As a member, it is always wonderful to speak to anyone in the office, and be greeted with courtesy, a switched on attitude as well as a cherry manner. Can’t  say enough in appreciation of all of your efforts this year. All the best of the season to you.

    David Sykes


  • I have been with Blues and Twos over 10 years. It is so easy and simple to deal with.  Since my IT skills are hopeless its wonderful to be able to speak to someone.  The response is very clear and always willing to help and sort the difficulties going an extra mile to do things.  I have been struggling to sort out with my pensions for transferring money to Blues and Twos but B&T staff sorted it out by contacting directly on my behalf.  Wonderful and stress free service.

    S Karimullah


  • “I had absolutely first class service from start to finish of my application.  Nothing was too much trouble and I was kept up to date with my application with no less than four phone calls!  Thank you very much Blues & Twos!”

    J Casey


  • I have been a member for a number of years, the staff are always helpful and professional.

    Janet McDonald


  • Anna has been so understanding and patient. I know my application was complex and she helped me through it all.

    I can’t thank her enough.

    Louise Abbott


  • Best thing I ever did was saying yes to Blues and Twos. It’s the easiest way to save, coming straight out of my wages. My savings taking my husband and myself all round Scotland travelling. The staff are very approachable and helpful when contacting them and my savings are easily retrievable. The website is very easy to navigate. I hope I will be saving with them for many years to come!

    Nova Gledhill


  • Your People are so professional, easy to understand and made borrowing easy, Thank you!

    David Spencer


  • Blues and Twos treated me with respect and understanding. I had a “not great” credit history due to unforeseen personal circumstances. When I applied for a loan I was assisted by Anna, she was so understanding and patient and not once did she make me feel ashamed. Thanks to Blues and Twos my credit rating will improve greatly. Blues and Twos have made a great difference to my life for the better. There’s nothing worse than debt problems, they can make you feel so lost and alone. My advice would be ring Blues and Twos and speak to a member of staff, they wont judge, they will do their best to help or point you in the right direction of some one who can.

    Jill Tugwell


  • I used the credit union last year for a car loan and the service was excellent

     

    S Bryan, ICT West Lancs


  • I am a passionate supporter of Credit Unions. Blues and Twos are fantastic because the staff at the end of the phone are fab! Professional, patient, always answer any questions so that I can understand.

    Keep up the good work!

    Jill Brennan


  • Always an excellent speedy service.  Far less fuss than a bank and communication is polite, professional & informal.  B&T customers are always addressed by their first name.  I have been using them to save & borrow for 4 years and wont go anywhere else.

    T White


  • Online Loan application was straight forward and the new faster payments for Speediloans paid the loan into my bank the same day.

    W Harrison


  • As a Blues and Twos member it was easy to apply for loan, got the decision very quickly.  Friendly customer service is simply the best.

    Harun Chowdhury


  • I very recently had occasion to deal with the office staff an senior staff of Blues and Two’s Credit Union to say they were extremely professional and helpful is an underestimation. They were excellent.  My enquiry received immediate attention whilst I was on the telephone there was none of the infuriating press button 1 or wait for someone to answer.  With simple information as to my membership and password I was given all the information I required.  Having recently dealt with the high street banks for an account I can say that the personal touch is much more acceptable to the customer.  Many thanks to ALL the staff at B&T’s.

    K Rowley


  • I was extremely pleased at how fast Blues and Twos processed my loan application.  Especially as it was online and via phone.

    D Harrison


  • Many thanks to B&T staff for friendly, efficient and prompt help and advice arranging my loan.

    A Owen


  • Would highly recommend and helped me out on many occasions.

    C Green


  • Very easy to apply for loan.  Approachable friendly staff.  Trusted serviced.  Now I will come to Blues and Twos first.”

    L Hill


  • Great Service, quick response, staff are polite, friendly and helpful.  Would definitely recommend to others.  Saving scheme is great too.”

    D Mcloughlin


  • I have nothing but praise for Blues & Twos.  The staff are friendly, helpful and efficient and the whole process of applying for the loan was straight forward and stress free.  Thank you!”

    K Rae


  • “I decided to run a marathon back in 2013, just after I’d joined Blues and Twos. It seemed a good idea to choose somewhere really special for my first 26.2 mile run, so I decided on Paris. Having my savings account helped me to turn this into a mini holiday, and I ended up going for 5 nights, which gave me lots of time for sightseeing and soaking up the Parisian atmosphere. I also managed to raise in the region of £1000 for Macmillan Cancer Research – the thought of sponsorship really helped me in those last few miles. I enjoyed the experience so much that within 4 days, I’d booked myself on the Chester marathon in October 2014.”

    K Burnett, Head of Human Resources, Hyndburn Borough Council


  • “Easy & quick service, helpful staff.”

    T Otway


  • “The application was very straight forward and easy to complete.  Once received the loan was agreed and processed very quickly.  All staff are very friendly and helpful.”

    A Clark


  • Blues and Twos have helped me many times with loans and saving for Christmas.  Without their help I would really struggle with maintaining my car etc.”

    D Mcloughlin


  • “Firstly I must apologise for sending this later than intended.  I have been with the Credit Union for several years and have always found the staff to be helpful and offer good advice.  They explain everything and the process of obtaining a loan is quick and simple as well as being prompt.  I would have no hesitation in recommending them to other people.”

    K Jackson


  • “I came in person to the office and was dealt with very courteously and promptly by the assistant.  I was given assistance filling out the loan application form and the process was explained fully.  I received a phone call within 3 hours notifying me of the successful outcome of the application.  I would call this excellent service!”

    J Kirkwood


  • “I found the advice from Anna very helpful, filling in forms can be very distressing and people can be left feeling very uneasy but I found this all very well organised and with the help and support given by Anna, the whole episode of applying for a loan was very easy.”

    J Sumner, Councillor, Lancashire


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Credit Union Loans and Savings


Blues and Twos Credit Union is “Here to help you Save, and there when you need to Borrow”. Owned entirely by its members and managed by a trained and professional team.

The Blues & Twos team are passionate about improving the financial well-being of all members and offer you regular saving encouragement and affordable credit union loans, repayments direct from your pay or pension, which means that you save as you borrow.

Regular savings direct from salary that you can withdraw at anytime, no account fees, no annual charge, annual dividend payment.

Affordable loans up to £25,000, with no early redemption fees or hidden costs, repayments directly from your wage.

Free life cover on your savings up to the age of 75, at no extra cost.

We help over 8800 members to manage their finances, we encourage you to join today and start enjoying the benefits.

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. Join Blues and Twos today!

Latest News

  • Happy & Healthy New Year from all at Blues and Twos

    You are wished a happy, healthy New Year from all at the Blues and Twos.  Now that Christmas is behind us your team are planning ahead for a January busy with new memberships and assisting with your revised savings plan for 2022.  This is always a busy time with members requesting to  increase their savings […]

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  • AGM thank you from your Chair

    As Storm Barra looked set to hit the North West of England the Board of Directors knew their decision taken in September for a first every Hybrid AGM was a wise move.  This first ever hybrid AGM for Blues and Twos was welcomed by members on Wednesday 8 December.  Attending online or in-person, members listened […]

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  • BLUES & TWOS SOCIETY BUMPER LOTTERY DRAW – DECEMBER WINNERS

    The Winners of the December Blues and Twos Society Lottery draw are now available to view.  “You have to be in it – to Win it!” The next bi-annual Bumper Draw is due to be drawn in July 2022 with an additional prize of £1,000 up for grabs.  If you would like to join, or increase […]

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  • 15,000 member accounts milestone reached…

    Congratulations to our 15,000 member welcomed to the Blues and Twos Credit Union in June.  Abby said “I’d been aware of Blues and Twos since I joined Lancs in 2019 as a number of colleagues had saving accounts and recommended them but I just never got round to signing up.  When I changed job roles, […]

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  • NEW Secure messaging increasingly popular with members…

    Just over 2760 Blues and Twos members are now using NIVO, the secure messaging option introduced at the start of the Covid19 pandemic.  By simply registering for NIVO using the “Chat with us” button on our homepage you can register for easy contact with the credit union 24/7.  Leaving a message out-of-office hours is proving […]

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  • Joining the credit union before you retire….

    Meeting with pre-retirement delegates at last weeks Police pre-retirement event held at Lancashire Police Headquarters, Hutton Lisa from the Blues and Twos team said it was lovely to see so many familiar faces, many of which were already members of the credit union.  “A great opportunity for them and us, to give details on the […]

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  • Chief Constable visits Lancashire Police Credit Union

    Our CEO, Vicky Harrison, welcomed the recently appointed Chief Constable, Chris Rowley, to our offices this week to meet with the Blues and Twos team and witness first hand the commitment and role we play in helping our members with their finances throughout their career & retirement.  Leading on well-being, Mr Rowley was keen to […]

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  • Faster loan applications with Open Banking

    Our new open banking option gives you the loan applicant, faster access to your bank account statement data to support your loan application.  Same day decisions and funds now possible for loan applications from £300-£25,000 received before 2pm Monday to Friday.  Register to ‘Chat with us on NIVO’ and we will send you the open […]

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  • The (quick fix) IVA – The Truth you Need to Know

    Blues & Twos recently received paperwork from an Individual Voluntary Arrangement (IVA) company.  Our member owed a maximum of £5,900 across three creditors (3 loans/credit cards).  The IVA company wanted to charge our member £3,750 in fees (63.5% of the members total debt) and this was just to set up the arrangement. This fee, added […]

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  • Your Health and Well-Being

    We are proud to be mentioned in the Lancashire County Councils guidance on where to find help if you are worried about your finances: Worried about money? If you or a member of your family are worried about reduced income as a result of the Corona virus this information will be useful to you. 1. […]

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  • Glad you have your Blues and Twos emergency fund to fall back on?

    We are all in this together… Many of us have never experienced such times as these and we hope never to have to experience them again. We hope members are managing to stay safe. This includes looking after your physical and mental health. Your well-being can be affected in different ways. Financial worries are just […]

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  • Are you financially Savvy?

    “For some people it just means a little more effort.  Some believe they are, some believe they can never be –  Controlling your finances isn’t easy but once you start you will be more positive” says Victoria Harrison, CEO, Blues and Twos Credit Union .  Saving a little each month on payday, being confident towards […]

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  • Money Lessons Everyone Should Learn

    Talk Money week kicked off Monday 18th November and is running all week, and aims to get the UK talking about financial wellbeing. Blues and Twos are getting involved in the drive to promote and improve financial wellbeing. We have created a small list to help you with your finances, and money lessons that we […]

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  • Passing of Blues and Twos former Supervisory Committee Chair

    It is with great sadness we inform you on the passing of John (Jack) Ward on Thursday October 24th, aged 81 years. Jack joined Preston Borough Police in 1963 and worked his way up to Head of Scenes of Crime and Federation Chair before retiring in the mid-1990’s as a Detective Inspector.  Jack volunteered his […]

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  • Your Health and Well being

    This September take time to talk, think and change… RELAX and let Blues and Twos help you with regular saving and ethical borrowing. Enjoy the range of benefits when you join today, like: Instant access to your savings FREE life cover on your savings (T&Cs apply) Flexible/Affordable low cost loans £10 when you recommend your […]

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  • Workplace Well-being with Blues & Twos help…

    Find out what Blues and Twos can do to help your organisation, your team meet their Well-being goal… Supporting your Employees  

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  • Helping Members with Holiday Payments

    Our lending team are working hard to approve members holiday loans as quickly as possible, funds are paid directly into your bank account THE SAME DAY. No Administrative fees, no Penalty for repaying early click here to calculate your repayments now.

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  • Credit Unions play an important role in today’s UK economy…

    Relevant for the modern age…Watch this 3 minute clip highlighting the important role played by credit unions within the UK economy.  

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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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