Your Financial Well-Being

Worried about your Financial well-being, your finances in general? 

Do you know that having credit in today’s world is a practical reality but being in debt is not ok and will cause worry.  We can help you consider what is your safe zone and what can be affordable within your lifestyle.   Talking to a member of our team may make that little difference or could make a huge difference to the way you allocate your money in the future.


We want to help you “Work” NOT “Worry” – Could changing your financial behaviour be the answer ? 

Check out our Blues & Twos Budget Planner – Budget Planning is a great way to control your finances.

Before reading on, we want you to know that it is part of the Blues and Twos Credit Union’s ethos to educate members in the wise use of their money and to be “Financially Savvy”.  We cannot give advice to members in terms of Bad Debt and financial issues however we can warn you on the dangers of making hasty financial decisions and we ask you to contact us if you are struggling with your monthly repayments.

Feel you need an alternative way to deal with your problems and considering an IVA (Individual Voluntary Arrangement)? STOP -Individual Voluntary Arrangements can be one way that is said to reduce your debt but you must MAKE SURE you are aware of the Supervisory Arrangement fees and any small print.

Victoria Harrison, Chief Executive said: “Over the years we have seen some alarming cases where members (working members like you and me) experience difficult financial choices. In some severe cases these situations  ‘just to make ends meet’ and seem to occur after an unforeseen change in circumstances.  Financial decisions can be compounded by advice that lead to IVA companies who, at the outset of a possible IVA, may charge you Supervisory Fees in the region of £4,000. YES £4,000!  Basically they are adding £4,000 to your debt.  If at a later date your IVA fails, this is added to the amount you have to repay back to your creditors.  You could also be asked to increase your payments when your income improves over the five year term. Make sure you know all your options – The Citizens Advice Bureau (CAB) are great for advice.

With more than 25 years’ experience helping members with savings and loans there have been times when Blues & Twos had to refuse a loan application but there have been many more positive times when your credit union has offered credit to assist a member out of a higher cost credit situation and more good news is that, for some members other options were available. For instance, at Blues & Twos we operate as a not-for-profit lender which means we provide our members with some of the fairest APR rates for loans from £300 – £25,000. These funds come from your colleagues savings so we have to  make sure repayments are affordable. Our Lending Officers will consider all applications for debt consolidation providing there is a commitment from the borrower to help themselves in the longer term by saving alongside the loan repayments”.

Victoria Harrison added: “At Blues and Twos we believe everyone should have access to fair financial products. We encourage you to save directly from your pay via your employer (in most cases we can organise this for you) and we believe this helps our members reduce financial stress and prevent some money linked health issues all of which contribute to your better financial well-being. We all know that every little bit of help – helps. We do not charge set up fees for our loans and we offer you competitive rates, we clearly illustrate the financial benefits that taking a loan from a credit union like ourselves may help you get back on track. We encourage regular saving at the forefront of every membership and it is proven this can remove the longer term need for credit card and overdraft facilities”.

Members can contact the credit union by telephone, email or in person. A private meeting room at the credit union Hutton or County Hall, Preston office is available on request. “An understanding voice on the end of the phone, a meeting with a member of the team who can quickly assess individual financial needs and provide reassurance over repayment terms could be just what is needed”.

Remember – “It is the credit union’s aim to encourage responsible saving and ethical borrowing providing access to affordable low-cost credit. An IVA or other repayment could affect your future credit worthiness”.

It’s sometimes helps to know that our team have helped many members over the years and you will not be the first to ask for their help, they understand the needs of members and will work with you to try & find a solution to reduce your worry.

A private meeting room can be made available on request – Appointments not always necessary to meet with a member of our Credit Committee.


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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


    PRIZE DRAW WINNERS – FEBRUARY 2019  ***FIRST PRIZE – £500*** LPP ***SECOND PRIZE – £150*** STUART BOALER 3rd Prize £75 LISA DAWSON 4th Prize £25             ANNE-MARIE SCAHILL 5th Prize £25 SIMON CHEYTE 6th Prize £25 SUSAN CARTMELL 7th Prize £20 FRANK WILDING 8th Prize £20 DARREN ROSSALL 9th Prize £20 CHARLES BYRNE 10th Prize £20 […]

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  • Later opening – Friday 8 February

    Staff Training —  The Blues & Twos office will open at the later time of 11am on Friday 8th of February – We apologises for any inconvenience this may cause you.

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  • B&T Society Lottery winner gets a Bumper Blues & Twos Congratulations…

    Jim Hill retired from Lancashire Constabulary in January 2017 after serving as a Crime Scene Investigator for over 20 years. He enjoys travelling and has recently returned from the USA crossing the Atlantic via the Queen Mary 2. Earlier in the year he spent 4 months travelling around Europe with his wife in their Campervan.  […]

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  • Credit Union receives letter of thanks…

    Blues and Twos received a letter of thanks from the Salvation Army for December Christmas collection.  The Salvation Army gave an extremely big thanks for our help in Preston.  It is understood they collected enough to help 291 families and a total of 908 food bags were given out.  Well done to all who help at the Salvation Army!

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  • Special retirement wishes…

    Special Retirement wishes were given to Marion Bolton on her last day with the Blues and Twos.  The Chair, Mike Beeston, Vicky Harrison (CEO) and the team met for breakfast and presented Marion with flowers, bubbly and thanks for her hard work and team spirit over the last three years.  Marion said she is planning […]

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  • A big thank you to members…

    Our third year collecting non-perishable food items and toiletries went well and your donations have been  delivered to the Salvation Army.  Thank you to all members who offered their support to this good cause.  

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  • Dividend delight for Blues & Twos members…

    Blues and Twos members agreed a very pleasing 1.25% dividend at the Annual General Meeting on Tuesday 11th of December. The AGM was opened with a tribute to Peter Bramley, former Treasurer who passed following a very short illness in August. Colin Berry a great friend and colleague for 50 years paid tribute to Peter, his […]

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  • Blues & Twos Society – Bumper Lottery Draw

    PRIZE DRAW WINNERS – DECEMBER 2018    *** BUMPER PRIZE – £1,000 *** JAMES HILL ***FIRST PRIZE – £500*** SIMON DENT ***SECOND PRIZE – £150*** JULIE ADAMS 3th Prize £75 LANCASHIRE POLICE 4th Prize £25 THERESA KELLY 5th Prize £25 TAYLOR RHODES 6th Prize £25 LEONARD GREEN 7th Prize £20 PAUL MARTIN 8th Prize £20 […]

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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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  • 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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  • 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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Authorised by the Financial Conduct Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority Reg No 213538

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