Overdraft Request Form

Please email this form to: overdraftapplications@co-operativebank.co.
uk
Please carefully check the email address before sending
Please note: We use Transport Layer Security (TLS) to encrypt and protect email traffic. If your mail server does not support
TLS, you should be aware that any emails you send to us, or emails you request from us, may not be protected in transit.
Alternatively you could post this form to: The Co-operative Bank p.l.c., Personal Customer Services, P.O. Box 200, Delf House,
Southway, Skelmersdale, WN8 6GH
Request for new overdraft or change to overdraft limit from an Existing Customer
We ask you to consider what overdraft limit would cover your needs. When considering this you should think carefully about how you will be
able to repay. You may wish to consider alternative borrowing options, such as a credit card or loan, which may be more suitable for your
needs.
Your overdraft application will be subject to a credit assessment which may include a search of your (and any joint account holders) credit
file. The level of overdraft we can provide is dependent on an assessment of your personal financial circumstances; the amount you request
may not be the amount you receive. We aim to process your application within 7 working days and if approved we will confirm your
overdraft limit by post, although you will be able to access it as soon as it is applied to your account. You can ask us to reduce or remove
your overdraft at any time.
Joint Account Holder
Please ensure you have the joint account holder's consent to provide their information and apply for an immediate overdraft on their
behalf. Each of you is jointly and severally liable for the overdraft even if the relationship with the other joint borrower ends and you can be
individually called upon to repay the entire overdraft amount.
To apply for an overdraft or amend your overdraft limit, you and any joint account holder need to be:
- Aged 18 years or over
- UK residents
- Not have had any Individual Voluntary Arrangements, Trust Deeds or been declared bankrupt in the last 6 years.
- Not had any County Court Judgments or defaulted on any credit agreements in the last 2 years.
- Not currently be 2 or more payments in arrears on any credit agreement
Also:
You must (or if a joint account, at least one account holder must) also be employed* (You can still apply if you (or a joint account holder)
don't work due to certain circumstances, see the list below), self-employed or retired, including medically retired.
I confirm that I/we meet the eligibility criteria to apply for
New overdraft: Change to existing overdraft limit:
an overdraft and agree to any credit assessment.
Employment status: Employed Self-employed Retired (inc. medically retired)

What do you want your new overdraft limit to be? 500 Contact email: samwhincup@sky.com
(must be multiples of £20, maximum £5000)
Customer Name Samuel George David Whincup
Sort code: 08-93-00 Account number: 80083885
Credit Reference and Fraud Prevention Information

We may disclose your information to credit reference agencies to help make financial decisions. This will be during the application process and on an on-
going basis, to decide whether to continue to make products or services available to you or adjust any level of credit.
You – and anyone financially linked with you – should note that each others information may be taken into account in this and future applications made
by either of you. If you make several credit applications within a short time, this may temporarily affect your ability to get credit.
If you give false or inaccurate information and fraud is identified, details will be passed to the fraud prevention agencies to prevent fraud and money
laundering and we reserve the right to cancel this agreement. We can provide further details explaining how the information held by fraud prevention
agencies may be used.
More information can be found here - https://www.co-operativebank.co.uk/assets/pdf/bank/global/security/Data-Transparency.pdf
I/we confirm that I/we are not aware of any future changes to my/our circumstances which may affect my/our ability to repay the
overdraft. Please consider the following scenarios: maternity/paternity leave, childcare cost, university fees or the end of an employment contract
I/we confirm that I/we have read and agree to the Overdraft Pre-Contract Information and other important documents.
For joint accounts:

I confirm that I have consent from the joint applicant to provide information and apply for overdraft on
their behalf.
We agree, in accordance with Section 185(2) of the Consumer Credit Act 1974, that you do not need to provide more than one Statement
of Account to us as joint account holders.
Thank you for your application. Your overdraft may be available as soon as your application has been processed by us, but could take up to one working day
to be fully accessible. If your application is referred, we may need more time to process your request. We will confirm the outcome by post.
If we are unable to offer you an overdraft, we’ll send you a letter confirming our decision and if applicable, how you can appeal.
* You can still apply if you have never worked or ceased work due to an illness or disability, or if you are a full time carer. If you're in receipt of one of the
following, you can continue to apply: • Pension income • Rental income • Disability benefits (Disability Living Allowance, Incapacity Benefit, Personal
Independence Payment) • Child maintenance • Working tax credits (or Universal Credit equivalent) • Carer's allowance • Statutory maternity/paternity/
shared parental pay • Employer paid maternity or paternity allowance

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Please email this form to: overdraftapplications@co-operativebank.co.

Employment status: Employed Self-employed Retired (inc. medically retired)

Customer Name Samuel George David Whincup

Sort code: 08-93-00 Account number: 80083885

Credit Reference and Fraud Prevention Information

For joint accounts:

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