Coronavirus (COVID-19)

We know you might be worried about the impact of Coronavirus on both you and your finances so we wanted to share what we’re doing.

The health and safety of our customers and staff is our top priority. We’re constantly monitoring the latest developments in relation to COVID-19 and acting on official Government advice to keep you, our customers, and our staff safe. Our Senior Leadership Team meet daily to ensure we’re responding to the latest developments. 


Our Tipton and Bilston branches are open for business. Please, check individual branch opening times before visiting, due to reduced hours. We have implemented social distancing guidelines for the safety of both staff and customers. To help keep our branches a safe place for our customers and staff please do not visit if you are feeling unwell. You can contact us via telephone or email and we will do our best to help you that way. 

We will be suspending services at our Sedgley and Coseley branches from close of business on Tuesday 24 March 2020. This action will help us to limit face-to-face interactions and ensure we have enough healthy colleagues to allow us to provide a continued service over the coming weeks and months at Tipton and Bilston.

The address and hours of Tipton branch can be found here, and the address and hours of Bilston branch here.

Mortgage customers

We are offering our customers who are up to date with their mortgage payments and impacted by COVID 19 the ability to self certify that they need help. 

Under normal circumstances we would assess your finances and consider what forbearance options may be most suitable; we are waiving this process to enable a more straightforward and quick process to assist you. However, should you feel that an assessment of your finances would be beneficial to make sure that we are providing you with the right option we will do this with you as quickly as possible. 

A payment holiday allows for mortgage payments to be suspended for a specific period of time without any arrears accruing, for a period of up to 3 months. The interest that is due whilst the holiday is being taken will be debited to the account and therefore the outstanding balance will increase. In order to pay the increased outstanding balance, the normal monthly payment will be recalculated at the end of the holiday. 

Please, ensure you communicate and keep in touch with us if your situation changes. At the end of the payment holiday period your revised monthly payments will be expected to continue and we will collect your direct debit as normal. We will tell you what the revised payment will be.

To apply for a payment holiday, please complete the form below and send to 

Please note, an electronic signature is acceptable.

Scam calls, texts and emails

There has been an increase in scams with people using the Coronavirus as a way to target individuals. Please, be extra vigilant about any messages or calls you receive from financial services organisations.

To be clear, we will never:

  • Encourage you to move money from your own account into a different “safe” account 
  • Telephone you asking for your bank details or PIN numbers
  • Email you asking you to click a link or log in
  • Charge upfront fees for payment holidays
  • Demand immediate payment for arrears via email or over the phone

If you have any concerns, or are unsure of any communications received from us, please do contact us on 0121 557 2551.

Annual General Meeting (AGM)

We have a statutory obligation to hold the AGM, which is scheduled for 22 April 2020, within 4 months of our financial year end.

As it stands, we have several options for the meeting. One option is to hold the meeting with a minimum quorum present, or if there is no quorum the Chairman can open the meeting and adjourn it immediately, to a date to be decided in the future.

Please check back to this page regularly for the latest information on our AGM.

Keeping you informed 

This page was last updated on 30 March 2020. If Government advice changes, we'll update this page again.