Burnley Savings and Loans (BSAL) has always been committed to helping its local community. From the outset, BSAL made a pledge to stop the bonus culture in banking by making donations to charities and good causes whenever they could.
Providing spiritual and emotional support, in addition to specialist medical and nursing care, Pendleside Hospice seeks to improve the lives of Adults suffering from cancer and other life threatening illnesses.
In the East Lancashire area there are 750 people who suffer from Parkinsons. This area currently does not have a Parkinson’s nursing service available, and Parkinsons UK seeks to change this by the raising funds to provide the service for two years..
Helping people diagnosed with cancer with practical, medical and financial support, with their army of nurses and volunteers.
Providing nursing care to terminally ill people through its hospices, Marie Curie works tirelessly to help cancer patients and their families.
Among those benefiting from the cash was Simon Townley, from Burnley, who plays wheelchair basketball for St Helen’s team Vikings 2009. The money was used to purchase a wheelchair for the basketball team.
The Histiocytosis Research Trust is dedicated to promoting and funding scientific research into uncovering not only the causes of many different varieties of histiocytic disorders, and also ensuring early diagnosis, effective treatment and a cure.
A brave, wonderful, young lad, Sam Shaw has fought Neuroblastoma. A rare and aggressive form of cancer. The appeal sought to raise the funds for his treatment in the United States.
The Rosemere Cancer Foundation raises funds for extra equipment and facilities for cancer patients in Lancashire and South Cumbria. Rosemere also funds vital local research, helping to provide the very best care possible for patients, today and in the future.
Burnley Savings and Loans was happy to assist in the annual Pints and Poets event, organized to raise awareness of Mental Health Issues.
Works to fight cancer by funding and promoting innovative, world-class research into the disease – research that will lead to the development of more effective detection, diagnosis and treatment.
Helping wounded veterans and their family's to recover from life changing trauma and injury while in service and allow them to get on with their lives.
After his father died from prostate cancer in 1998, Gordon used his Mayoral year to raise over £59,000 to purchase a new prostate scanner for Burnley General. That scanner is reaching the end of its life, he’s trying to raise £75,000 for a replacement
A dedicated Youth Club in the Fraser Street area, run by a group of local mothers with passion and commitment.
Providing help to people through a moment of absolute need, the food bank has delivered food to thousands of people.
ELDS’s main concern is for Deaf individuals and their family in the community and as well as their right to full participation, to the same opportunities in education, employment, access and involvement as anyone else. ELDS achieves its vision through three main routes: Advocacy, Information and Services.
Founded in 1870 the British Red Cross provides humanitarian aid to people in crisis both in the UK and abroad. Their mission is to “Care for people in Crisis”, and “Refusing to ignore people in Crisis”.
For over 50 years the British Heart Foundation has funded thousands of research projects around the UK to help the fight against heart disease.
Provides training and encouragement for young boxers
Burnley Savings and Loans Limited were proud to support the ‘Song for Ukraine fundraising concert’ which was held on Friday 20th May 2022 at St Catherine’s Church, Todmorden Road, Burnley.
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Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority (FRN: 717019).
We act as a credit broker and a lender. We can introduce you to a limited number of lenders who may be able to offer you finance facilities for your purchase. We will only introduce you to these lenders. We will receive a commission payment from the finance provider if you decide to enter into an agreement with them. All the lenders that we work with pay commissions at different rates, however, the commission received does not affect the amount you will pay under your finance agreement. You can request us to disclose the amount of any commission received.
Rates from 10.9%: The actual APR offered is subject to status and is based on your individual circumstances on application. Representative example: Borrowing £7,500.00 over 4-years with a representative APR of 22.1%, the amount payable would be £224.38 per month, with a total cost of credit of £3,270.24 and a total amount repayable of £10,970.24.
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. You can also find information about referring a complaint to the Financial Ombudsman Service (FOS) at financial-ombudsman.org.uk.
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The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
Our business is committed to treating our customers fairly and ensuring our products and services are suitable for their needs. Treating Customers Fairly (TCF) is a core part of our culture and philosophy and you can review our commitment to it by asking for a copy of our TCF policy statement.
We are a credit broker and a lender. We can introduce you to a limited number of lenders or hire companies who may be able to assist you with your requirements. We will only introduce you to these lenders or hire companies.
You may be able to obtain funding for your purchase from other providers and you are encouraged to seek alternative quotations and details of their products by researching on the high street, in the media and online.
You will not make any payment to us for processing a finance or hire application or for introducing you to a finance or hire provider. All charges that you will pay including, interest, documentation fees or rentals, where applicable, will be clearly shown on the finance or hire agreement.
We may receive a commission payment from the finance or hire provider if you decide to enter into an agreement with them.
You can request for us to disclose the amount of any commission received.
If you have any health issues, difficulty in understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation you are presented with or what your commitments are under the agreement, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know, help you make your decision. Please advise us accordingly if this is the case and we can then proceed with your requirements in the most appropriate way.
You should make sure you have sufficient time to assess the information given to ensure the funding option offered is suitable for you and meets your requirements. You should seek further explanations and ask questions if needed to fully understand the documents you are given.
You should assess the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations and other obligations you already have without suffering undue hardship. If you are aware of any future events that will affect your ability to meet these payments, you should ensure the provider is informed immediately.
Your credit rating could be adversely affected if you do not make payments when due which could make it harder or more expensive for you to access finance facilities in the future.
Burnley Savings and Loans Limited is authorised and regulated by the Financial Conduct Authority; registration number 717019. Burnley Savings and Loans Limited address is 30 Keirby Walk, Burnley, Lancashire BB11 2DE.
You can check this information on the FCA register by visiting www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
If you wish to register a complaint, you can contact us at:
In writing: 30 Keirby Walk, Burnley, Lancashire BB11 2DE
By Phone: 01282 454744
By email: Info@bsal.co.uk
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you can’t resolve a complaint with us, you may be able to refer it to the Financial Ombudsman Service whose contact details are set out below:
In writing: The Financial Ombudsman Service, Exchange Tower, London E14 9SR
By telephone: 0800 0234567
By email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Throughout the process of administering services for you, we will need to collect personal information from you and pass this information to one or more third-party organisations in order for them to supply any services you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and creditworthiness assessment and will do so using the consent given by you.
This may include sharing your information with credit reference agencies and other companies for use in credit decisions and fraud prevention. For full details of where your information will be sent, and the purpose for doing so, or to cancel your consent for the processing of your personal data, please contact us.
In cases where your initial application may be refused by the most suitable lender, your application may be referred to other lenders or credit brokers who may also share information with credit reference agencies in order to assess your application for finance.
Those lenders or credit brokers will not use your personal information to provide you with promotional or marketing material unless you opt-in to receive this material directly with them.
A copy of our privacy policy, which details how your information will be processed and your rights, is freely available upon request. To request this information please contact us:
In writing: Burnley Savings and Loans Limited. 30 Keirby Walk, Burnley, Lancashire. BB11 2DE
By telephone: 01282 454744
By email: info@bsal.co.uk
The finance products we offer are:
As the finance is not secured on the vehicle, you own the vehicle once purchased.
You can sell the vehicle at any time without having to pay the finance in full at the point of sale.
There are no restrictions on how you maintain or use the vehicle as the finance agreement is separate to the vehicle i.e. the loan is not secured on the vehicle. However, you may have less protection than with a hire purchase or lease agreement where you can refer certain problems with the vehicle to the lender.
Flexible terms may allow you to finance the vehicle over a longer period than leasing and PCP. By increasing your deposit, you will lower the monthly payment. As the amount borrowed is paid off in equal instalments during the term of the agreement, it is more likely you will have a higher amount of equity than a PCP agreement for the same term. However, if you decide to sell the vehicle before the end of the agreement, it is advisable to pay the agreement in full (less an interest rebate) which will reduce the amount of equity you have in the vehicle and particularly in the early stages of the agreement could mean the vehicle is worth less than the amount of finance outstanding.
You have an option to own the vehicle at the end of the agreement.
You are the registered keeper, but the finance company remains the owner until the finance is paid in full.
In some circumstances, if you have problems with the vehicle, you may be able to refer these issues to the finance company.
There are usually no mileage restrictions though you will need to check your agreement. Excess mileage charges will not apply. You cannot sell the vehicle until the finance has been paid off in full. You will need to service and insure the vehicle in line with the terms of the agreement.
Flexible terms may allow you to finance the vehicle over a longer period than leasing and PCP. By increasing your deposit, you will lower the monthly payment. As the amount borrowed is paid off in equal instalments during the term of the agreement, it is more likely you will have a higher amount of equity than a PCP agreement for the same term. However, if you decide to sell the vehicle before the end of the agreement, you will have to pay the agreement in full (less an interest rebate) which will reduce the amount of equity you have in the vehicle and particularly in the early stages of the agreement could mean the vehicle is worth less than the amount of finance outstanding.
Any surplus funds may result in a rebate of rentals as per your individual agreement (you will be liable for any shortfall).
You can continue to rent the vehicle for a longer period, usually at a nominal cost (this option may not be available if there is a balloon rental).
Some agreements may allow you to add maintenance to the contract.
Please see your agreement form for full details.
If you want to terminate the agreement early, you may have to pay all outstanding rentals and therefore you should take care in matching the term of the agreement to your expected requirements.
In the event that the sale of the vehicle results in a lower value than the final rental, you will be required to pay the Lessor any shortfall.
Restrictions on use and location may apply.
I can confirm I have read and understood the above Initial Disclosure Document.