Your Financial Well-Being

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


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, please note: It is part of your credit union’s ethos to educate members in the wise use of their money, 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 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 make ends meet’ and seem to occur after an unforeseen change in circumstance.  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. 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 years. 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 more positive times when we have been able to offer further 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 loan 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) and we believe this helpsn our members reduce financial stress and prevent some money linked mental health issues all of which contributes to your better financial well being. We all know that every little bit of help – helps, and by a fast response from us, no set up fees for our loans and 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 that 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 office can be made 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”.


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

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