Legal Information

Scottish Widows Bank subscribes to the Banking Code and the Business Banking Code copies of which are available from our Customer Service Staff. Further information on the codes can be found at www.bankingcode.co.uk.

Scottish Widows Bank has an internal complaints procedure, copies of which can be obtained from our Customer Service Staff: 0845 845 0829.

Alternatively you can write to us at: Customer Services Department, Scottish Widows Bank plc, PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Ombudsman Service provides consumers with a free independent service to help settle individual disputes with financial firms.

They can consider complaints about a wide range of financial matters - from insurance and mortgages to savings and investments.

The Financial Ombudsman Service will only consider your complaint once you have tried to resolve it with Scottish Widows Bank, so please contact us in the first instance.

If you want to write, the address is:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

You can telephone on: 0845 080 1800

Email to: complaint.info@financial-ombudsman.org.uk

Visit their website at: www.financial-ombudsman.org.uk

This contract is between the applicant(s) and Scottish Widows Bank plc. The Terms of the Contracts (Rights of Third Parties) Act 1999 and any other legal third party rights are specifically excluded. This means that only the parties to the contract (or their legal successor(s), assignee(s) or other security holders) may have contractual rights.

Our deposit accounts and mortgages may also be available to non-UK residents although we will normally require the applicant to have an existing UK bank account and provide us with suitable means of identification. For further details please contact our customer service staff on 0845 845 0829, 8am to 9pm, Monday to Friday.

This website and any contract or legal agreement entered into or any dispute arising from this website shall be governed in accordance with the Laws of Scotland and shall be subject to the jurisdiction of the Scottish Courts.

Mortgages are available only to people aged 18 or over (21 for Professional and Graduate Mortgages). All credit facilities are subject to status and validation. For mortgages we require security over the property. We strongly recommend that a suitable life policy/repayment vehicle be arranged by the applicant. Buildings Insurance for the reinstatement value will also be required. Full details and written quotations are available from Scottish Widows Bank plc, PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ. For your added security and to assist us in improving our service to you, telephone calls may be recorded or monitored. Recordings are retained for a short period of time only and are kept strictly confidential.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Lifetime Mortgages are available only to people aged 60 or over, for joint applications both applicants should be aged 60 or over. All credit facilities are subject to status and valuation. For Lifetime Mortgages we require security over the property. Full details and written quotations are available from Scottish Widows Bank plc, PO Box 12757, 67 Morrison Street, Edinburgh, EH3 8YJ. For your added security and to assist us in improving our service to you, telephone calls may be recorded or monitored. The recordings are retained for a short period of time only and are kept strictly confidential.

THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS ASK FOR A PERSONALISED ILLUSTRATION.

Scottish Widows Bank plc is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. If we are unable to pay what we owe you, you may be able to get compensation of up to £35,000 from the Scheme. Most depositors including individuals and small firms, are covered. Deposits denominated in currencies are treated alike. A leaflet with further details is available on request from the scheme. Call their helpline on 020 7892 7300. Visit their website at www.fscs.org.uk Email: enquiries@fscs.org.uk or write to the Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN.

Scottish Widows Bank plc is authorised and regulated by the Financial Services Authority. Our FSA register number is 201601.  Confirmation can be obtained by visiting the Financial Services Authority website at: www.fsa.gov.uk/register.