View our Terms of Business - Investments

View our Terms of Business - Lending

Terms of Business - Investments

Leeds Building Society. 105 Albion Street, Leeds LS1 5AS, England. Telephone number 0818 222 337

Our Services

Leeds Building Society is authorised by the Financial Services Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Leeds Building Society is registered in the United Kingdom with registration number 164992.

Leeds Building Society is authorised to accept deposits and offers savings and investment products in Ireland. The FSA Conduct of Business Rules do not apply for the Society's business in Ireland. In respect of its business in Ireland, the Society is subject to the Central Bank's Consumer Protection Code, which offers protection to consumers. This Code may be found on the Central Bank's website, www.centralbank.ie. For further details of the Society's permissions, please see www.fsa.gov.uk

Conflicts of Interest

It is Leeds Building Society's policy to avoid any conflict of interest when providing its services. However, should any unavoidable conflict arise, we will advise you of this in writing before proceeding to provide any service. If you have not been advised on any such conflict you are entitled to assume that none arises.

Complaints

If you have a complaint regarding the agreement or your account, you should write to us, at Leeds Building Society
(Ireland), Ground Floor, 7 Upper Fitzwilliam Street, Dublin 2, setting out details of the complaint or telephone us
at 0818 222 337. We aim to provide a friendly and efficient service to our customers and it is our policy to ensure that all your concerns are dealt with fairly and promptly. If you are dissatisfied with the outcome of our efforts to resolve your complaint, you may refer your complaint to the Financial Services Ombudsman at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. The telephone number of the Financial Services Ombudsman is 01 6620899 Lo Call 1890 88 20 90, the fax number is 01 6620890 and the email address is enquiries@financialombudsman.ie.

Remedies

In the event of default, the Society may exercise its right to close your account early in accordance with the General
Investment Conditions (Ireland).

Charges

Leeds Building Society directly imposes a range of fees and charges, which are detailed in the General Investment Account Tariff of Fees and Charges (Ireland) in the General Investment Conditions (Ireland). If you require further copies of the Tariff of Fees and Charges, please do not hesitate to call our Customer Helpline on 0818 222 337.

Use of Personal Information

Information which you provide or which we obtain through your dealings with us will be held on the Society's computers and in other records. We may pass on such information as follows:

• subject to your consent, to other companies of the Leeds Building Society Group (Leeds Building Society, its subsidiaries and associated companies) who may use it for marketing purposes as mentioned below. You can ask us for a list of such companies.
• to anyone whom we transfer or may transfer our rights and duties under our agreement with you.
• if we have a duty to do so or if the law allows us to do so.
• in order to verify your identity and/or address.
• in order for the Society to comply with its obligations under the Criminal Justice (Money Laundering and Terrorist Financing) Act 2010 and Part 38, Chapter 3A of the Taxes Consolidation Act 1997 (as amended or replaced from time to time).
• to any deposit broker you may employ to act on your behalf when opening this account.

Financial Services Compensation Scheme

Leeds Building Society is a participant in the Financial Services Compensation Scheme established under the Financial Services & Markets Act 2000. Payments under this scheme are limited to a maximum of £85,000 of an investor's total shares and/or deposits in a society. Most investors are covered, including individuals and small firms. Euro deposits are covered. Further details are available on request from the Society.

The above information is correct as at 1 January 2012. These Terms of Business may be amended from time to time.

Terms of Business - Lending

Our Services

Leeds Building Society is registered in the United Kingdom. Leeds Building Society is regulated by the Financial Regulator and is authorised and regulated in the United Kingdom by the Financial Services Authority, registration number 164992.

Leeds Building Society is authorised by the Financial Services Authority for administering a regulated mortgage contract, advising on regulated mortgage contracts, arranging (bringing about) regulated mortgage contracts, entering into a regulated mortgage contract as lender, and making arrangements with a view to regulated mortgage contracts. The Society is also authorised for accepting deposits. The FSA Conduct of Business Rules do not apply for the Society's business in Ireland. For further details of the Society’s permissions, please see www.fsa.gov.uk

Conflicts of interest

It is Leeds Building Society’s policy to avoid any conflict of interest when providing its services. However, should any unavoidable conflict arise, we will advise you of this in writing before proceeding to provide any service. If you have not been advised on any such conflict you are entitled to assume that none arises.

Complaints

If you have a complaint regarding the agreement or your account, you should write to The Compliance Department, Leeds Building Society, 105 Albion Street, Leeds, LS1 5AS, setting out details of the complaint or telephone our UK based Customer Helpline on 0044 113 225 7777. We aim to provide a friendly and efficient service to our customers and it is our policy to ensure that all your concerns are dealt with fairly and promptly. If you are dissatisfied with the outcome of our efforts to resolve your complaint, you may refer your complaint to the Financial Services Ombudsman at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2. The telephone number of the Financial Services Ombudsman is 01 6620899 Lo Call 1890 88 20 90, the fax number is 01 6620890 and the email address is enquiries@financialombudsman.ie.

Charges

Leeds Building Society directly imposes a range of charges, which are detailed in the attached Tariff of Charges. If you require further copies of the Tariff of Charges, please do not hesitate to telephone the Society on 0818 222 334.

Arrears

If at any time your mortgage account unfortunately goes into arrears, Leeds Building Society will deal fairly with all customers and is committed to making early contact to discuss the matter. We will use reasonable efforts to reach a payment arrangement, which takes into account all parties interests and give customers a reasonable period of time to consider any proposal for payment which is made. Leeds Building Society will also liaise with advice agencies if so asked, and will adopt a reasonable approach to the time over which any outstanding payments should be paid back. Possession will only be taken as a last resort, after all reasonable attempts to change the position have failed.