Here's all the important, administrative information about us:
Yorkshire Building Society (trading as Norwich & Peterborough Building Society, Norwich & Peterborough and N&P).
Principal Office
Yorkshire Building Society
Yorkshire House
Yorkshire Drive
Bradford
BD5 8LJ
N&P is operated under its own brand with its own products which are administered at:
Norwich and Peterborough Building Society
Peterborough Business Park
Lynch Wood
Peterborough
PE2 6WZ
Telephone: (Peterborough) 01733 372372.
Yorkshire Building Society is a member of the Building Societies Association and is authorised and regulated by the Financial Services Authority (FSA registration number 106085).
Yorkshire Building Society is authorised to conduct banking and insurance business in Gibraltar by the Gibraltar Financial Services Commission.
Our dealings with you and all terms and conditions for the products and services we offer will be governed by the laws of England and Wales and subject to the jurisdiction of the courts of England and Wales. The terms and conditions of our products and services will be in English and the English language will be used in all communications with you.
Important Information About Compensation Arrangements
N&P are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a building society 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 building society, including their share of any joint account, and not to each separate account.
Yorkshire Building Society (YBS) also operates under the trading names of Barnsley Building Society (BBS), Chelsea Building Society (CBS), Norwich & Peterborough Building Society (N&P) and Egg. YBS is a participant of the FSCS. Therefore, depositors with any of YBS, BBS, CBS, N&P and Egg have an overall limit of £85,000 under the FSCS.
Accord Mortgages Limited is a wholly owned subsidiary of YBS. Accord has offset mortgage products where the customer's deposits are held on behalf of Accord by YBS. Accord offset depositors are therefore covered, along with BBS, CBS & N&P depositors, by YBS being a participant in the FSCS. There is no additional protection for depositors with Accord Mortgages Limited.
As of 31 December 2010 new FSCS rules were introduced meaning any compensation due will be paid to customers based on amounts held in their deposit accounts, regardless of the amounts owed to us (for example, a mortgage loan). Customers will therefore be paid out up to £85,000 of their savings and any mortgage balance would remain outstanding. For example, a customer who has a £200,000 mortgage and £200,000 savings balance will therefore be paid out £85,000 for their savings balance and the £200,000 mortgage balance would remain outstanding. This would mean that customers would still have to repay their mortgage loan. It would then be for the Liquidator to decide whether any surplus savings balances would se set-off against any remaining mortgage loan.
For further information about the scheme (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the FSCS website www.fscs.org.uk or call 0800 678 1100.
Mortgages
We offer mortgage facilities for properties in England, Wales or Gibraltar.
YOUR HOME MAY BE REPOSSESSED IF YOU DO
NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Banking
You must be over 18 to bank with N&P. Any overdraft we offer you will depend on your circumstances. We use a credit scoring system when reviewing your application.