Banks Terms and Conditions copies available 2006/2007/2008

**Amethyst** · 20th February 2010, 11:43:AM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Halifax 2007 (to see if quality comes thorugh ok) (or up the right way pmsl)

trying again

**TUTTSI** · 20th February 2010, 14:17:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

When I dig through my Abbey file I know I have an earlier Abbey one to I believe arround early 1990's, when I find it I will scan and send to you Ame by email.

**TUTTSI** · 20th February 2010, 15:14:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

First 5 pages of T&C's Abbey for 12th July 1999

In section 1.5b - it talks about charges for a service also 1.5vi That they may change charges to relect changes in direct costs.

Hope that this helps.

Tuttsi

Attached Files

**TUTTSI** · 20th February 2010, 15:18:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Here are the rest of the T& C's for Abbey 12th July 1999

Attached Files

**TUTTSI** · 20th February 2010, 15:35:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Abbey Account Conditions 3rd May 2005

Introduction

The Abbey account Conditions ('the Conditions'):

(a) Set out the contract between you and us;

(b) Explain our obligations to you, and your obligations to us;

(c) May be varied by us - see Condition 18 for details;

(d) Incorporate the General Conditions and any Special Conditions;

(e) Are in addition to any other conditions which are implied or included in the contract between us by law, even if they do not appear in these Conditions.

For convenience we refer to your Abbey account in these Conditions as your 'Account'. In some places these Conditions refer to details, for example about the key features of your account or card or about our interest rates and charges, which we will give to you separately from these Conditions. Those details and key features also form part of the contract between you and us and will be subject to these Conditions.

As you may have selected different facilities within the account, we have grouped together all those conditions that are of general application (the 'General Conditions'). The General Conditions are in addition to the conditions that are specific to particular facilities you may have selected (the 'Special Conditions'). If a Special Condition differs from any General Condition, the Special Condition is the one that prevails. If you need any further information about your account or an explanation of any of these Conditions, please contact any of our branches or telephone 08459 724 724.

'Linked Account' means any other Account you have with us which you can also access using any of your cards. Cards and services available with your Account and Linked Accounts may have their own further special conditions, which also apply. If such a special condition differs from these Conditions, the special condition is the one that applies.

General Conditions

1 Information about your account

When we open your account we will give you written details explaining its key features.

2 Deposits

2.1 Cash and Cheques Deposit

a) If you deposit funds without indicating to which Account they should be credited, we will credit them to whichever of your Accounts we think appropriate.

b) The balance shown on your Account may include cheques and other items paid into it that are still being processed and we may refuse to allow you to draw against them. If an item has been returned unpaid we will debit your Account with the amount of that item and with any interest we paid you on it, even if you have withdrawn against it. You may incur a charge and, if debiting the item overdraws your Account, interest and/or charges must be applied. You must then bring your account back up to the authorised position.

c) You may only deposit sterling banking notes and sterling cheques payable to you. You may make deposits using your card at some of our Abbey cash machines. If the amount we actually receive differs from that stated by you, we will adjust your Account by the amount involved and notify you that we have done this.

2.2 Cheque deposits

a) Cheques normally become out of date after 6 months and so you should pay them in so they clear in time. Outdated cheques will be returned to you.

b) Bankers drafts and counter cheques (other than those issued by us) will be treated in the same manner as cheques paid into your Account.

c) For cheques paid in over the counter

Day cheque paid in
Day interest earned
Day funds available

Monday
Wednesday
Thursday
Tuesday
Thursday
Friday
Wednesday
Friday
Monday
Thursday
Monday
Tuesday
Friday
Tuesday
Wednesday
Saturday
Wednesday
Thursday
The timescales given in this table are for guidance purposes only and illustrate when we aim to make funds available to you. Cheques can be returned unpaid by the bank of the individual who wrote the cheque after this time, even where funds have been made available. If you want to minimise the risk of a cheque being returned unpaid you can ask for a special presentation.

This service enables Abbey to contact the bank of the person who wrote the cheque to ask if the funds are available or not.

i Subject to condition 2.1 (b) if you pay a cheque over the counter at an Abbey branch into your Account, the money will normally be available so that you can draw against it on the third working day after the day it is paid in. The central cheque clearing cycle also normally takes three working days. Interest will be earned from the second working day after it is paid in, if your Account is in credit. A working day is any day other than a Saturday, Sunday or English public holiday.

ii Cheque deposits using an Abbey cash machine will normally take an extra working day to be available. See table below.

Day cheque paid in
Day interest earned
Day funds available

Monday
Thursday
Friday
Tuesday
Friday
Saturday
Wednesday
Saturday
Tuesday
Thursday
Tuesday
Wednesday
Friday
Wednesday
Thursday
Saturday
Thursday
Friday
iii When you can draw against cheques paid in by any other means (eg by post) will depend on when we receive the cheque. This also applies to interest earned, if your Account is in credit.

iv Special arrangements apply to foreign currency cheques. Cheque clearance times for cheques which are in a currency other than sterling will vary. Whenever possible, details will be given to you when you deposit the cheque.

2.3 Cash deposits

a) If you pay cash into your Account over the counter at an Abbey branch, the money will be available straight away.

b) You can also make cash deposits (notes only) using your card at some Abbey cash machines, using the envelopes provided. If you make a cash deposit at an Abbey cash machine the money will be available so you can draw against it on the second working day, and interest will be earned from the next day (if your Account is in credit).

2.4 Cancellation Period

If you have second thoughts about the account you've gone for let us know within 14 days of first opening the account. If you want to find out how to do this pop into your local branch or callus on 08459 724 724. We'll help you switch to a different Abbey account or give all your money back with interest earned. If you would prefer to cancel in writing, your local branch or helpline advisor will be happy to provide you with the most appropriate address.

3 Withdrawals

3.1 The central clearing cycle for automated payment is normally 3 working days. (If the person you are paying banks at the same bank as you the amount will usually be credited on the same day. Payments may take longer than 3 working days through some financial institutions). When you give us an instruction to make an automated payment (including over the phone or internet), the money will normally be taken from your Account on the same day. Automated withdrawals from your Account (standing orders, Direct Debit or cheque payments) will normally be debited at the beginning of the working day they are due. Deposits paid into your Account on the day an automated withdrawal is expected may not therefore be available to meet that withdrawal. The clearing cycle may also take longer when paying via some financial institutions as an agent (such as the post office).

3.2 There are maximum daily limits on the cash you can withdraw from your account using your cheque book or card. When you open your account or when you are issued with a card we will tell you what the limits are. These limits may change.

3.3 If you use an Abbey cash machine or our telephone banking service to make a transfer between your Accounts, it may take a further working day for the transfer to be completed.

3.4 There is no charge for withdrawing cash from your account at an Abbey cash machine. There may be a charge for cash withdrawals at other cash machines in the UK and abroad. Details are set out in our Tariff of Charges.

3.5 We have the right to refuse to undertake any transaction(s) that we believe or suspect may place us in breach of any legislation.

4 Cheques, counter cheques and bankers drafts

4.1 You should not write a future date on a cheque. If you do and the cheque is presented for payment before that date we can decide whether to pay or return it. In either case, we will not be liable to you.

4.2 We will 'stop' one of your cheques at your request as long as:

(a) The cheque has not already been paid;

(b) You give us sufficient details; and

(c) You have not used a card to guarantee payment of the cheque.

We cannot 'stop' a counter cheque or bankers draft which you have asked us to draw for you.

4.3 You must notify us as soon as possible after you become aware that your cheque book has been lost or stolen.

4.4 On request, and subject to there being available funds in your Account, we will provide counter cheques and bankers' drafts. This service is not available to close your Account.

4.5 A replacement cheque book will automatically be issued to you when a limited number of cheques remain outstanding to your Account. Should you complete your cheque book prior to receipt of a replacement, you may contact us by telephone to request one to be issued.

5 Interest and charges

5.1 We may pay you interest on your Account when it is in credit and charge you interest if it is overdrawn. A higher rate of interest will be charged if your overdraft has not been authorised in advance and we may make a charge. This applies to the excess above any authorised overdraft limit. Authorised overdrafts are only available to customers who are 18 or over. We will tell you what the rates and charges are, how interest will be calculated and about any changes in the rates and charges.

5.2 We will tell you our Tariff of Charges for day-to-day charges and about any changes in the Tariff. We will also tell you about any charge for a service related to your account which is not in our Tariff. We will do this on request or before or when we provide the service to you.

5.3 Interest and charges will normally be credited or debited, as appropriate, to your Account on the same day each month, unless you have requested a change of statement date. We will give you at least 14 days notice of interest and charges for standard account services to be debited.

5.4 We may change our interest rates or our charges at any time, for one or more of the following reasons:

(a) To maintain the competitiveness of our business as a whole, taking into account actual or expected changes in market conditions;

(b) To reflect actual or expected changes in money market interest rates;

(c) To ensure that our business is run prudently;

(d) To reflect a change in general banking practice;

(e) To reflect any regulatory requirements or guidance, or any change in the law or a decision or recommendation by the Court or an Ombudsman;

(f) To enable us to harmonise our banking or charging arrangements;

(g) To reflect changes in technology or in the direct costs we are required to pay to others, or to take account of inflation.

5.5 We may also change our interest rates and/or charges for any reason which is valid. If we do so we will give you notice and you are free to close your Account immediately without loss of credit interest but you must repay any overdraft, interest or charges outstanding on your Account.

5.6 We will notify you within 3 days of any change in our interest rates and we will give you at least 30 days' personal notice of any change in our charges.

5.7 We may introduce day-to-day charges for different types of transaction by giving you at least 30 days' personal notice. (Please refer to Condition 19.)

5.8 We may charge you a fee for any administration costs incurred by us as a result of any breach of this agreement by you.

6 Overdrafts

6.1 You can apply for an overdraft on your Account. If we give you an overdraft we will tell you your limit and the interest rate applicable. We can change your limit at any time, or the rate applying to your overdraft in accordance with Condition 5.4. We can also require you to repay your overdraft at any time. As long as you have not exceeded your overdraft limit, we will wherever possible give you at least 28 days' notice.

6.2 We also have the right to pay off or reduce an overdrawn balance on your Account by transferring funds from any of your other accounts with us (other than a mortgage account).

6.3 An unauthorised overdraft occurs if without our agreement you overdraw your Account or exceed the limit of an overdraft which we have agreed. If you overdraw your account when we have not given you an overdraft you are in breach of these Conditions and must immediately pay sufficient money into your account to put it into credit, taking account of any interest and charges you will have incurred. Similarly, if you exceed the limit of an overdraft which we have given you, you must immediately pay sufficient money into your account to bring yourself within your overdraft limit.

6.4 If you have an unauthorised overdraft, you will be charged as set out in our Tariff of Charges or specified to you and these may include fees for transactions we are unable to process due to lack of available funds in your Account.

6.5 If you have second thoughts about the overdraft let us know within 14 days after the day we give you the overdraft. You can do this by popping into your local branch or calling us on 08459 724 724. If you cancel your overdraft you must pay off the overdrawn balance on your account as soon as possible and no later than 30 days after you cancel it. You must pay any interest incurred on your overdraft balance up until the time you notify us you want to cancel it.

6.6 We consider cases of financial difficulties sympathetically and positively, and we have a specialist team that can help. If you are ever affected, we'll always try and contact you as soon as possible to talk through the matter. We'll also provide any literature that can help you understand your own rights and responsibilities, and those of Abbey. We'll tell you where you can obtain free money advice, and if you want us to, we will work with debt counselling organisations on your behalf. You should contact us at the first signs of financial difficulty so that we can develop a plan to help you. This plan will be sent to you, and reviewed as appropriate. If you are in financial difficulty, you should tell us about all your full financial circumstances as it might help to find a solution quicker.

**TUTTSI** · 20th February 2010, 15:40:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Abbey Account Conditions May 3rd 2005 cont page 2

.

7 Payments into the account

You must maintain regular payments into your Account. The minimum regular payment is the amount we notified to you when you opened your Account. If you do not maintain regular payments into your Account, we may close it by giving you at least 30 days' notice (please refer to Condition 24). You may also be expected to credit a minimum amount to your account in order to benefit from specific account features. If this is the case, we will notify you of the minimum amount required.

8 Automated payments

If your Account becomes overdrawn where we have not given you an overdraft, or if you have an overdraft but have exceeded your limit we may cancel any of your Direct Debits, Standing Orders and other direct payments from your Account. We will normally give you at least 7 days' notice but in exceptional circumstances, where we consider this necessary to prevent abuse of your Account, we may cancel a payment without giving you notice. If your Account is subsequently in credit, or within your overdraft limit, those payments will not be automatically reinstated. If you wish to reinstate them you must apply in writing.

9 Foreign transactions

Before crediting or debiting a transaction in a foreign currency to your Account we will convert it into sterling at our current rate for that type of transaction.

10 Address and identification

10.1 The address that you give us or, in the case of a joint account, either of you gives us will be the one to which all communications will be sent. You must notify us of any change of address immediately and confirm it in writing. We may charge you for any reasonable expenses incurred in tracing you.

10.2 We may ask you to show a form of identification at any time, for example, when making a withdrawal from your Account

11 Joint Accounts

11.1 Two of you (but not more) may have an Account in joint names. If so:

(a) both of you will be liable (individually and together) for any money due to us; and

(b) each of you is authorised to operate your Account on your own where:

i any cards or cheque books are issued on the Account; or

ii you have registered with our telephone banking service.

iii you have registered for the online service.

11.2 Neither of you may allow the other to use your cards, Personal Identification Number (PIN), Telephone Banking Number (TBN), information which allows access to the on-line service or selected personal information.

11.3 We will only transfer a joint Account into the sole name of one of you if the Account is in order, all cards and cheque books are returned from the account holder who is to be removed and we are satisfied that the continuing Account holder is of sufficient financial standing to operate the account alone.

11.4 If one of you dies, the Account will continue in the name of the surviving Account holder.

11.5 Further information on operating a joint account is provided to you when you take out a joint Account. Click here to read the Joint account - important consideration leaflet. This leaflet covers the implications of taking out a joint account. To view this files you need to have Adobe Reader installed. If you don't already have it you can download it for free from the Adobe Reader website

12 Statements

12.1 We will send you statements at regular intervals. In the case of joint Accounts we will send one statement addressed to both of you unless you tell us in writing that you each require separate statements.

12.2 We recommend you check your statement thoroughly. If you wish to query any item on the statement, please contact us immediately.

13 Taxation

You may be able to register with us to receive interest gross. Otherwise interest will be paid net of income tax at the prescribed rate.

14 Your Account is not transferable

You cannot transfer your rights in your Account to someone else. This means that you cannot, for example, use the funds on your Account as security for money you borrow from someone else. This does not affect any transfer that takes effect by law, for example under your Will.

15 Remote access conditions

15.1 When you register for the Abbey's e-banking service or telephone banking service you will be able to operate your Account using the Internet, telephone banking service and other channels, depending on which you register for. You will still be able to operate your Account and obtain services in the same way as you could before you registered for e-banking or telephone banking (e.g. by using an Abbey cash machine). For full details of our e-banking service and our telephone banking service, including our User Guides, please visit Santander, your local branch or call our telephone banking service on 08459 724 724. When you first register to access your account on-line, you will be asked to accept the conditions of the on-line service. You will also be asked to accept any changes to those conditions as and when they are made. You will not be able to access the on-line service until you have accepted the Terms and Conditions of use.

15.2 Telephone Banking Service

When you register, we will issue you with a confidential TBN to use or you may select it yourself at any of our Abbey cash machines. For security reasons, we will not act on telephone instructions if we are in doubt as to your identity.

15.3 Joint Account Access

If you have an Account in more than one name, each of you can register for the e-banking service and telephone banking. Each of you that registers for telephone banking will be given your own TBN, and will be able to operate your registered Account and access available services on your own.

15.4 Use of your passcode and registration number

When you register for e-banking you will be given a passcode and registration number which you will use, with the number of your appropriate card, whenever you use e-banking. We will tell you how to use them and how and when you need to change them. Whenever e-banking is used to carry out a transaction on one of your Accounts or to access an available service, the use of your passcode and registration number authorises us to carry out the transaction or to provide the service. Your liability is explained in Condition 17.1(b) below if you are not the person who made a transaction on your Account.

15.5 Withdrawal of your access to the service

We may withdraw your passcode and registration number or TBN if we believe that this is necessary for security reasons or to prevent misuse of remote access services, or of any of your Accounts which you operate, or related services which you can access, using telephone banking. We may do this for example if there have been too many unsuccessful attempts to access e-banking or telephone banking using an incorrect passcode, registration number or TBN.

15.6 Ending e-banking
If you do not use e-banking on your registered accounts for a period of 12 months we will treat this as your indication that you no longer require the service and may remove your accounts from e-banking without giving you notice.

16 Using your cards

16.1 Information about your cards

When you apply for your Account, or at a later stage, you can also apply for the appropriate card(s) to access or operate your Account. When we issue you with a card we will give you written details explaining its key features, for example how it can be used to withdraw cash, make payments or guarantee cheques. Use of a card includes use of its number and other details, for example to carry out transactions over the telephone. There may be a charge for some uses of the card and we will tell you what these are, for example through our Tariff of Charges. We will notify you of the PIN to be used with your card. We may also ask you to provide a password or selected personal information as a means of identification, for example when buying goods or services with your card.

16.2 Authorisation, finality and refunds of debit card transactions

(a) We may be requested to authorise a purchase or other payment you make with your debit card before it can be completed. If we do, your Account balance will be reduced by the amount of the authorisation. We may refuse a request for authorisation.

(b) All debit card payments using an Electron Card require authorisation

(c) Once a purchase or other payment with your debit card has been carried out, you cannot cancel it.

(d) Where a retailer or other person you have paid with your debit card gives you a refund, your Account will be re-credited when we receive the refund.

16.3 Guaranteeing cheques

(a) Your card may enable you to guarantee cheques. If so, you may use it in the UK, Gibraltar, Isle of Man or Channel Islands to guarantee payment of a personal cheque up to the limit of the card. The person you pay the cheque to must write your card number on the cheque. You cannot cash more than one guaranteed cheque a day. The guarantee is governed by the rules of the Cheque Card Scheme, details of which are available on request.

(b) You must not use your card to guarantee a cheque for more than the available funds on your Account.

(c) We may debit a guaranteed cheque to your Account even if it contains legal or technical irregularities.

16.4 Terminating or suspending use of your card or cheque book

(a) We may terminate or suspend your right to use a card or cheque book at any time if we believe that it is necessary for our protection. Unless we consider that more urgent action is necessary, we will give you at least 7 days' notice. Cards and cheque books remain our property and we may require you to return them to us and may ask anyone acting for us to retain them.

(b) You may terminate your right to use a card by giving notice and returning it to us. Before returning your card you must cut it in two.

(c) Following termination, these Conditions will continue to apply to any amounts you owe as a result of use of your card.

17 Care of personal information

17.1 Loss or misuse of a card or your details

(a) If you find that your card has been lost, stolen or misused, or you think it may be misused, or if you believe that your password, PIN, TBN or selected personal information has become known to another person, then you must notify us as soon as possible either at a branch or by telephoning: Abbey Card Services (24-hour service) Tel 0845 9344 900 or if you call from overseas +44 1908 344900 Address: The Manager, Card Services, Abbey House, 201 Grafton Gate East, Milton Keynes, MK9 1AN. We will take immediate steps to prevent them from being used to access your account. We will accept written notification of the loss or theft of your card from any recognised card registration bureau acting for you, from VISA and from any VISA Member

(b) You are not liable for misuse of the card before you receive it or after you have notified us under Condition 17.1(a) of the loss, theft or misuse of the card. Otherwise, if your card is misused by someone else we may only debit up to £50 to your account, except as set out in Condition 17.3.

17.2 Security for e-banking and telephone banking transactions

We take great care, by following regulatory requirements and good industry practice on system security, to ensure that only you can carry out e-banking or telephone banking transactions on your registered account and have access to related e-banking and telephone banking services. You will not be liable for an e-banking or telephone banking transaction on your account which was not carried out by you or for access to or use of related e-banking or telephone banking services by someone else, except as set out in Condition 17.3.

17.3 Account Aggregation Services

Account Aggregation Services allow you to have the details of all your accounts, from all financial institutions, presented on one internet web page. If you use the services of an Account Aggregation Service Provider, which may or may not be a bank or other financial institution, you could be liable for any fraud or mistakes that happen on your Account.

17.4 Your liability for card and telephone banking transactions

(a) You will be liable for transactions on your Account in the following cases:

i you authorised the carrying out of the transaction or the access to or use of the services;

ii you acted without reasonable care, which includes failing to follow the safeguards in Condition 17.4 below; or

iii you acted fraudulently.

In any of these cases we will debit your Account with the amount of the transaction.

(b) If you dispute that you have carried out a card, e-banking or telephone banking transaction, we will expect you to co-operate with us and the police in any investigations.
We may give the police any information we consider relevant to enable them to carry out their investigations. We will have the burden of proving any allegation of fraud or failure to act with reasonable care, or that a card has been received by you.

17.5 Care of your cards, PINs, TBNs, passwords, e-banking passcodes and registration numbers, and selected personal information

(a) Your TBN cannot be the same as your PIN. We may withdraw your PIN or TBN if we believe that this is necessary for security reasons to prevent misuse of a card or your Account, for example where the wrong number is used more than once. You will then need to apply for a new PIN or TBN via a branch or our telephone banking service. If you need a new PIN you will also need to apply for a new TBN, if you have one.

(b) The care of your cheque books, cards, PINs, TBNs, passwords, e-banking passcodes and registration numbers and selected personal information is essential to help prevent fraud and protect your account. To ensure this you must:

i sign your card in permanent ink as soon as you receive it;

ii destroy the notification of your PIN or TBN as soon as you receive it;

iii always take reasonable steps to keep your cards safe and your PIN, TBN, password, e-banking passcodes and registration numbers and selected personal information secret;

iv not keep your cheque books and cards together;

v not allow anyone else to use your cards, PIN, TBN, password, e-banking passcode or registration number or selected personal information (not even someone with whom you share a joint account);

vi never disclose your PIN, e-banking passcode or registration number to anyone else, not even a member of Abbey staff. You may be asked to give some individual numbers or letters from your e-banking passcode or registration number when you speak to someone in person using our telephone banking service but they will never ask you to give your whole passcode or registration number.

vii never write down or record your PIN, TBN or selected personal information. You may be asked to disclose a password or other selected personal information for security reasons. You can change your PIN at any Abbey cash machine and you must do this if you think that anyone else (even a member of your family) knows your PIN. You must also notify us immediately, please refer to condition 17.1(a).

PLEASE REMEMBER: Anyone in possession of your card who knows the PIN can gain access to your account and any linked account.

viii only enter your e-banking passcode or registration number where you are requested to do so by an e-banking screen. Never send them from your PC, TV or mobile phone in any other circumstances;

ix change your e-banking passcode or registration number when you first log into e-banking, immediately, if you believe that it has become known to another person. If you are unable to do this, you must notify us as soon as possible either at your local branch or by telephoning 08459 724 724.

x act on any further instructions we give you to ensure that your e-banking is secure. Any instructions will reflect good security practice, taking account of developments in e-commerce.

18 Variation of these Conditions

18.1 The circumstances in which we can vary these Conditions

We may remove, change or add to these Conditions and key features of your Account:

(a) To conform with or anticipate any changes in the law, Codes of Practice or recommendations of the Financial Services Authority or any other appropriate regulatory authority;

(b) To provide for the introduction of new or improved systems, methods of operation, services or facilities;

(c) To take account of a ruling by a Court, Ombudsman, Regulator or similar body;(d) To reflect general banking practice;

(e) To make them clearer or more favourable to you;

(f) To ensure that our business is run prudently;

(g) To rectify any mistake that might be discovered in due course.

18.2 We may also remove, change or add to these Conditions for any reason which is valid provided you are then free to close the account immediately without loss of interest or bonus.

18.3 A change to these Conditions includes removing or adding a condition but does not include a change of interest rates or charges which are covered by Conditions 5.4 and 5.5.

18.4 If we give you notice to vary these Conditions under Condition 19(b) you have the right to close your account subject to any special Conditions relating to your account. The notice we give you will be at least 30 days prior personal notice to you unless the change is to your advantage, in which case we will give you notice within 30 days of the change.

18.5 If the change to these Conditions is to your disadvantage, you may close your account (or switch it to another of our accounts) without loss of interest or bonus and without having to pay any extra charges. You may do this within 60 days of the date of our notice telling you of the change.

19 Notices

Any notice under these Conditions must, unless otherwise specified, be given in writing as follows:

(a) By you to us, at any of our branches, or to Abbey House, 2 Triton Square, Regent's Place, London NW1 3AN, or in relation to your cards, to the Manager, Card Services, Abbey House, 201 Grafton Gate East, Milton Keynes MK9 1AN.

(b) By us to you, by either:

personal notice to you; or in the case of a variation of our interest rates, general notice in three of the following national daily newspapers - The Daily Telegraph, The Daily Mail, The Mirror or The Guardian. In addition, we may also display a general notice in our branches.

(c) If we give you notice to vary these Conditions, you may if you wish close your account.

20 Cross-border credit transfers and foreign transactions

20.1 You can make and receive cross-border credit transfers using your Abbey account.

20.2 All transactions and cash advances made outside the UK in a currency other than sterling:

(a) Will be converted into sterling at or at our current rate for that type of transaction;

(b) Will incur a commission charge based on the amount of the transaction or cash advance in the currency of origin; and You may also incur commission charges imposed by the merchant or bank who carries out the transaction. Please refer to our Tariff of Charges for further information.

21 Inability to provide services

If we are unable to provide services generally or any particular services to you because of any causes beyond our control (including, but not limited to, strikes, industrial action or the failure of equipment or power supplies), we will not be liable to you for any loss which you may suffer.

22 Recording and monitoring telephone calls

To help us improve our service we may record or monitor phone calls.

23 Where someone else is managing your affairs

In the event that you become mentally incapable of managing your affairs, your account can be operated or closed by anyone who has been appointed by the Court. This includes someone who has been appointed by you under an Enduring Power of Attorney, once it has been registered with the Court.

24 Closing your Account or surrendering a card

(a) You may close your Account at any time by giving us notice. You can do this by popping into your local branch or calling us on 08459 724724. If you would prefer to cancel in writing, your local branch or helpline advisor will be happy to provide you with the most appropriate address.

(b) We may close your Account without giving you any reason. If we decide to do this we will, wherever possible, give you at least 30 days' notice unless there are exceptional circumstances, e.g. fraud. In either case these Conditions will continue to apply to your Account until any cheques drawn on it and other amounts you owe on it have been paid, and all cards and cheque books have been returned to us.

(c) We may also close your Account by returning any credit balance to you if for a period of 13 months you have not made any transactions on your account, the amount due to you is less than £50 and we have given you at least 30 days' personal notice.

25 Governing law

These Conditions are governed by the law of the country in the UK (i.e. England and Wales, Scotland or Northern Ireland) where you opened your account.

26 Your statutory rights are not affected

Nothing in these Conditions will affect your statutory rights.

27 Statement of business

Abbey National plc provides life, pension, investment and banking products and advice to customers. Abbey National plc is authorised and regulated by the Financial Services Authority and is entered on the FSA Register, registration number 106054. Registered office: Abbey National House, 2 Triton Square, Regent's Place, London NW1 3AN. Abbey and cahoot are trading names of Abbey National plc.

Schedule for customers who opened an Abbey account prior to 12.07.1999

Multifunction Card Agreement

If you have a Multifunction Card, now known as a VISA Debit Card, which was issued before 12 July 1999, you will have signed a Multifunction Card Agreement containing the terms set out in this Schedule. In this case the terms of the following agreement will also apply.

The terms of the Multifunction Card Agreement, which is a credit agreement regulated by the Consumer Credit Act 1974:

1 Cover the issue to you of a Multifunction Card (for convenience referred to as the 'card') to use on your Abbey account (the 'account') and your use of any card on that account

2 Include our Abbey account Conditions. For convenience, we refer to these in this Agreement as the 'Conditions'.

Financial and related particulars

1.If we give you an overdraft, we will notify you of your overdraft limit. We can change your limit by notice to you at any time.

2 The current rates of interest on authorised overdrafts are 1.31% per month (Annual Percentage Rate 16.9%) for the Preferred In-credit Rate, and 0.79% per month (Annual Percentage Rate 9.9%) for the Preferred Overdraft Rate. The current rate of interest on an unauthorised overdraft is 2.12% per month (Annual Percentage Rate 28.7%). An unauthorised overdraft occurs if without our agreement you overdraw your account or exceed the limit of an overdraft which we have agreed.

3 We may at any time:
· vary the interest rate and Annual Percentage Rate
· vary our charges applicable to the Account
· introduce charges (please see Condition 5).

No account has been taken of any such variations in the calculation of the Annual Percentage Rates.

We can require you to repay your overdraft at any time. As long as you have not exceeded your overdraft limit, we will wherever possible give you at least 28 days' notice (please see Condition 6.1). If your Account was opened on or after 6 May 1997 you must maintain a regular monthly salary payment or monthly standing order payment into your account. The minimum monthly payment is the amount we notified to you when you opened your account. If you do not keep up the minimum monthly payments we may close your account by giving you at least 30 days' notice.

5.If you have an unauthorised overdraft, you will be charged as set out in our Tariff of Charges or specified to you (please see Condition 5.1) and these may include fees for transactions we are unable to process due to lack of available funds on your Account.

6 There is no charge where you withdraw cash from your account at any Abbey cash machine. There may be a charge for cash withdrawals at other cash machines in the UK and abroad. Details are set out in our Tariff of Charges.

7.Your right to cancel

Once you have signed this agreement, you will have, for a short time, a right to cancel that part of this agreement which is regulated by the Consumer Credit Act 1974. Exact details of how and when you can do this will be sent to you by post by us.

8 Variation or termination of the Agreement

We may vary this Agreement (please see Conditions 5.4, 5.5 and 18) or terminate it (please see Condition 24).

IMPORTANT - you should read this carefully

Your rights

The Consumer Credit Act 1974 covers this agreement and lays down certain requirements for your protection which must be satisfied when the agreement is made. If they are not, we cannot enforce the agreement against you without a court order.

The Act also gives you a number of rights. You have a right to settle this agreement at any time by giving notice in writing and paying off all amounts payable under the agreement. If you have obtained unsatisfactory goods or services under a transaction financed by this agreement, apart from any purchased out of a cash loan, you may have a right to sue the supplier, us or both.

Similarly, if the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about the protection and remedies provided under the Act, you should contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

Loss or misuse of VISA Debit Card or Cash Card

If the VISA Debit Card or Cash Card is lost, stolen or misused by someone who obtained it without your consent, you may be liable for up to £50 of any loss to us. If it is misused with your permission, you will probably be liable for ALL losses. You will not be liable for losses to us which take place after you have told us of the theft, etc. provided you confirm any oral message in writing within 7 days. However, the VISA Debit Card or Cash Card can also be used under an agreement to which this protection does not apply. As a result, there may be circumstances under which we could enforce full liability against you.

The statement above is made to comply with Regulations made under the Consumer Credit Act 1974 and explains your liability if your card is used by someone else and that use is covered by the Act. Not all use of your card is covered by the Act and a full explanation of the extent to which you may be liable is given in Condition 17.1Effective from 3 May 2005.
Special Conditions for 11 to 15 year olds (inclusive)

1 Introduction

1.1 These Special Conditions explain our obligations to you and your obligations to us in relation to facilities for 11 to 15 year olds.

2 Opening and use of your Account

2.1 Eligibility

To be eligible you must be:
· at least 11 but under 16; and
· a permanent UK resident.

2.2 Use of your Account

If your Account does not receive a credit for a period of 90 days, we reserve the right to reconsider our relationship with you. This may be the withdrawal of facilities on your Account, for example, withdrawal of your card and/or closure of your account.

3 Joint Accounts

3.1 Joint Accounts are not permitted.

4 Cheques

4.1 You will not be issued with a cheque book if you are between 11 and 15 years old.

5 Overdrafts

5.1 We will not give you an overdraft if you are between 11 and 15 years old.

6 Changes to your facilities on reaching 16

On reaching 16, your facilities will automatically be changed to the specific facilities available for 16 to 18 year olds, if you are eligible, and the Special Conditions for 16 to 18 year olds will apply, unless you have notified us previously that you wish to have different facilities with us. If you are not eligible for the specific facilities available for 16 to 18 year olds your facilities will be changed at our discretion or your account closed. We will give you at least 30 days' notice of the date of change.

Special Conditions for 16 to 18 year olds (inclusive)

1 Introduction

1.1 These Special Conditions explain our obligations to you and your obligations to us in relation to facilities for 16 to 18 year olds.

2 Opening and use of your Account
· Eligibility

To be eligible you must be:
· Over 16 years old but under 19 years old;
· a permanent UK resident; and
· be entering further education and/or beginning full or part time employment.

2.2 Use of your Account

Your Account must be used as your main or primary bank Account and your main form of funding, for example salary, student loan, grant, parental contribution or income from part time employment must be credited to it.

If your Account does not receive a credit for a period of 30 days, we reserve the right to reconsider our relationship with you. This may be the withdrawal of facilities on your account, for example, the overdraft and/or closure of your account.

If the reason your account is not credited for a period of 30 days or more is because you have decided to take, for example, a gap or a year out, you must give us prior notification.

3 Overdrafts

3.1 We will not give you an overdraft if you are between 16 and 17.

3.2 On reaching 18, you may be eligible for an overdraft. Overdrafts are subject to status.

4 Changes to your facilities on reaching 19

On reaching 19 you will cease to be eligible for the facilities for 16 to 18 year olds. The General Conditions will prevail, and no Special Conditions will apply, unless you have notified us previously that you wish to have different facilities with us. We will give you at least 30 days' notice of the date of change.

You may be eligible for alternative facilities. If you need any further information, please contact any of our branches or telephone 08459 724 724.

Special Conditions for Students

1 Introduction

1.1 These Special Conditions explain our obligations to you and your obligations to us in relation to your student facilities.

2 Opening and use of your Account

2.1 Eligibility

To be eligible you must be:
· Over 18;
· a permanent UK resident; and
· be entering a full-time course of study of the following type- your first undergraduate course;- an HND; or- nursing training (course length 2 or more years)

2.2 Use of your Account

Your Account must be used as your main or primary bank account and your main form of funding, for example salary, student loan, grant, parental contribution or income from part time employment must be credited to it.

If your Account does not receive a credit for a period of 90 days, we reserve the right to reconsider our relationship with you. This may be the withdrawal of facilities on your Account, for example, the overdraft and/or closure of your Account.

If the reason your Account is not credited for a period of 90 days or more is because you have decided to take, for example, a gap or a year out, you must give us prior notification.

3 Your address

If you have an Account with student facilities you can select which address will be the one to which all communications will be sent, from either your current address, or your parents or other permanent address (unless this is overseas). You must notify us of any change of address immediately and confirm it in writing.

4 Joint Accounts

4.1 Joint accounts are not permitted.

5. Overdrafts

5.1 You can apply for an overdraft if you are 18 or over. Overdrafts are subject to status.

5.2 We may, as part of the Account, give you an interest-free overdraft. Interest-free overdrafts are available up to certain limits, which may vary from time to time in accordance with General Condition 6.1. The current standard limit for interest-free overdrafts for students ('the Interest-Free Allowance') is set out in our Tariff of Charges.

6 Ending your studies

If you decide not to continue with your studies then you must notify us. You will no longer be eligible for the interest free overdraft allowance. The facilities on your Account will be changed at our discretion or your Account will be closed. When you have completed your course, (as indicated in clause 2.1 above) you will no longer be eligible for the student facilities. Your student facilities will automatically be changed to the facilities available for graduates and the Special Conditions for graduates will apply, unless you have notified us previously that you wish to have different facilities with us. We will give you at least 30 days' notice of the date of change or, if applicable, closure.

Special Conditions for graduates

1 Introduction

1.1 These Special Conditions explain our obligations to you and your obligations to us in relation to graduate facilities.

2 Opening and use of your Account

2.1 Eligibility

To be eligible you must be:
· 19 or over;
· a permanent UK resident;
· be in or have a firm offer of employment; and
· have successfully completed a course of the following type within the last 3 years:

- your first undergraduate course;

- a postgraduate course;

- a HND; or

- nursing training (course length 2 or more years).

2.2 Use of your Account

Your Account must be used as your main or primary bank account and your salary must be credited to it.

3 Joint Accounts

3.1 Joint Accounts are not permitted.

4 Overdrafts

4.1 You can apply for an overdraft. Overdrafts are subject to status.

4.2 We may as part of the Account, give you an interest-free overdraft. Interest-free overdrafts are available up to certain limits, which may vary from time to time in accordance with General Condition 6.1. The current standard limit for interest-free overdrafts for graduates ('the Interest-Free Allowance') is set out in our Tariff of Charges.

4.3 If you take out an Abbey Overdraft Manager, you will cease to be eligible for any interest-free overdraft normally given as part of the graduate facilities. If you take out an Abbey Overdraft Manager you must then bring any overdraft on your account within the revised overdraft limit we have notified to you. Interest on any authorised overdraft will then be charged at our standard authorised overdraft rate.

5 Changes to your facilities

Three years from completing your course of qualifying full-time study, you will cease to be eligible for the graduate facilities. The General Conditions will prevail and no Special Conditions will apply, unless you have notified us previously that you wish to have different facilities with us. We will give you at least 30 days' notice of the date of change.

You may be eligible for alternative facilities. If you need any further information, please contact any of our branches or telephone 08459 724 724.

Special Conditions for postgraduates

1 Introduction

1.1 These Special Conditions explain our obligations to you and your obligations to us in relation to your postgraduate facilities.

2 Opening and use of your Account

2.1 Eligibility

To be eligible you must be:
· 18 or over;
· a permanent UK resident;
· be studying a full time course at university or college of higher education on a minimum 1 year course - for example

- MBA;

- MSc;

- PHD.

2.2 Use of your Account

Your Account must be used as your main or primary bank account and your main form of funding, for example, salary, student loan, grant, parental contribution, or income from part time employment must be credited to it.

If your Account does not receive a credit for a period of 90 days, we reserve the right to reconsider our relationship with you. This may be the withdrawal of facilities on your account, for example, the overdraft and/or closure of your Account.

If the reason your Account is not credited for a period of 90 days or more is because you have decided to take a break, for example a gap year or a year out, you must give us prior notification.

3 Your address

If you have an Account with postgraduate facilities you can select which address will be the one to which all communications will be sent, from either your current address, or your parents or other permanent address (unless this is overseas). You must notify us of any change of address immediately and confirm it in writing.

4 Joint Accounts

4.1 Joint Accounts are not permitted.

5 Overdrafts

5.1 You can apply for an overdraft if you are 18 or over. Overdrafts are subject to status.

5.2 We may as part of the Account, give you an interest-free overdraft. Interest-free overdrafts are available up to certain limits, which may vary from time to time in accordance with the terms of General Condition 6.1. The current standard limit for interest-free overdrafts for postgraduates ('the Interest-Free Allowance if you are studying') is set out in our Tariff of Charges.

6 Ending your studies

If you decide not to continue with your studies then you must notify us. You will no longer be eligible for the postgraduate facilities. The facilities on your Account will be changed at our discretion or your Account will be closed.

When you have completed your course, (as indicated in clause 2.1 above) you will no longer be eligible for the postgraduate facilities. Your facilities will automatically be changed to the facilities available for graduates, and the Special Conditions for graduates will apply, unless you have notified us previously that you wish to have different facilities with us.

We will give you at least 30 days' notice of the date of change or, if applicable, closure.
Important Legal Information

Abbey National plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. Payments under the Scheme for a deposit claim are limited to 100% of the first £2,000 and 90% of the next £33,000 of a depositor's total deposits with Abbey National plc subject to a maximum payment to any one depositor of £31,700.

The Abbey account is available subject to status and not available to persons under the age of 11. Visa debit cards and overdrafts are also subject to status and not available to persons under the age of 18. Written quotations available on request.

If you go overdrawn without agreeing it with us first, or if you go over your authorised overdraft limit, you will be charged a higher typical rate of interest (28.7% APR).

An Abbey cash card must be linked to an Abbey account to have access to telephone banking.

The Abbey account preferred in-credit rate option provides interest rates of 2.5% AER /2.47% gross p.a. on in-credit balances, with an overdraft typical rate of 16.9%APR variable. The Abbey account Preferred Overdraft Rate option provides interest rates of 0.1% AER/gross p.a. on in-credit balances, with an overdraft typical rate of 9.9%APR variable.

The option to choose between the preferred in-credit rate and preferred overdraft rate is only available if crediting £1000 or more to the account monthly. If crediting less than £1000 to the account monthly, the preferred overdraft rate will automatically apply. If having chosen the preferred in-credit rate option, credits fall below £1000 then an in-credit interest rate of 0.1% . AER/gross p.a and an overdraft typical rate of 16.9%APR variable will apply effective immediately.

Overdrafts are repayable at any time in accordance with our personal banking conditions.

AER stands for Annual Equivalent Rate and illustrates what the interest would be if interest was paid and compounded each year. The gross rate of interest is the rate of interest payable before the deduction of income tax. You may be able to register with us to receive interest gross, otherwise interest will be paid net of income tax at the prescribed rate. In-Credit Interest is payable monthly.

Cash machines which are not located at Abbey branches will not accept deposits.

To help us improve our service, we may record or monitor phone calls.

**TKK** · 15th April 2016, 12:51:PM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Please can you kindly send me copy of Banks Terms and Conditions for Abbey national PLC in 2007and/or 2008 for a graduate account please.

**Lilith Heart** · 10th September 2016, 10:32:AM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Hello Amethyst, I am looking for a copy of the Halifax personal loan terms and conditions 2007 booklet. If you have these would you be able to post them for me ? Thank you for your help and time

**lmw1956** · 5th July 2017, 09:18:AM

Re: Banks Terms and Conditions copies available 2006/2007/2008

Hello

Would it be possible to have a copy of:

HSBC BANK PLC
HSBC Terms and Conditions
December 2006

I am also looking for a copy of the 2012 Conditions as well.

Many thanks

**Spmelliott** · 7th July 2017, 18:41:PM

Halifax Bank Terms And Conditions 2009

Please can you send me a link to Halifax Bank Terms and Conditions In 2009

Banks Terms and Conditions copies available 2006/2007/2008

Banks Terms and Conditions copies available 2006/2007/2008

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Comment

Announcement

Court Claim ?