Comments Off on Cost-effective, Last-Minute Christmas Gifts!
Cost-effective, Last-Minute Christmas Gifts!
The hustle and bustle of the festive season can often lead to a last-minute scramble for the ideal Christmas present. But fear not, LCU is here with suggestions for thoughtful last-minute gift ideas that your family will love and that won’t break the bank!
Local Artisan Crafts.
Support local businesses by choosing handmade, local crafts or artisanal products as unique gifts. Etsy is a great place to find local, small businesses and one-of-a-kind creations that make thoughtful presents and help your local community thrive.
Gift Cards with a Twist.
Pick up a gift card for local businesses or cafes your loved one enjoys. This will allow them to choose their gift while supporting small businesses in our community.
Digital Gifts.
In this digital age, consider gifting e-books, music subscriptions, or online courses that align with things your friends and family enjoy. It’s convenient and shows them that you care!
Personalised Experiences.
Create lasting memories by gifting experiences such as a virtual cooking class or a day out exploring local attractions. These experiences are sure to be cherished long after Christmas is over!
The Gift of Financial Wellness.
Consider the gift of financial security by introducing your loved ones to the benefits of saving with Leeds Credit Union. Contributing to their savings account can help them start the new year on the right financial footing.
Remember, Christmas isn’t about how much you spend; the best gifts come from the heart and reflect how much you care for those closest to you.
This year, as we approach the season of giving, let’s prioritise meaningful gestures over high ticket prices. From all of us at Leeds Credit Union, may your Christmas be filled with joy!
Comments Off on Our Top Five Money-Saving Offers This Black Friday!
Our Top Five Money-Saving Offers This Black Friday!
Black Friday is just around the corner, so now is the perfect time to snag some incredible deals and save big. To help you make the most of this shopping extravaganza, we’ve compiled a list of five money-saving offers you won’t want to miss this Black Friday.
1. Electronics.
Upgrade your gadgets and tech gear with big discounts on electronics this Black Friday. From TVs to smartphones, laptops to smart home devices, retailers across the UK are offering significant tech discounts – like this Blink Outdoor Smart Security Camera, now 60% off!
2. Fashion and Apparel Sales.
With sites like ASOS offering up to 70% off, you can revamp your wardrobe for less this Black Friday with fantastic deals on fashion and apparel. Many popular clothing brands and retailers are slashing prices on everything from cosy winter essentials to stylish party wear.
3. Home and Kitchen Essentials.
Upgrade your living space without breaking the bank by taking advantage of Black Friday deals on home and kitchen essentials. Whether you need new furniture, kitchen gadgets or home decor items, you’ll find great discounts on a wide range of products – like this MisterChef Pro Standing Mixer.
4. Beauty and Wellness Products.
Treat yourself to some self-care this Black Friday with discounts on beauty and wellness products. This No7 The Skincare Discovery Collection 5 Piece Gift Set is the perfect gift for anyone looking to refresh their skincare routine!
5. Travel and Experiences.
Plan your next adventure at a fraction of the cost with Black Friday discounts on travel and experiences. Whether you’re dreaming of a weekend getaway, a luxury spa retreat or some thrilling outdoor activities, many travel companies are offering unbeatable deals that will make your travel aspirations a reality.
This Black Friday, make the most of these money-saving offers to stretch your budget further and enjoy incredible savings on a variety of products and experiences. Remember to shop wisely, compare prices and consider your purchases carefully to make the most of this shopping event!
Stay tuned for more savings tips and financial insights from Leeds Credit Union in the run-up to Christmas!
Comments Off on Talk Money Week: Tips for Financial Responsibility to Improve Your Financial Wellbeing.
Talk Money Week: Tips for Financial Responsibility to Improve Your Financial Wellbeing.
At Leeds Credit Union, we believe that talking openly about money is a critical step towards financial wellbeing. Taking place this week, Talk Money Week is the perfect opportunity to start those vital conversations that can lead to better financial responsibility and stability. Here are some practical tips to help you take control of your finances and improve your overall financial health:
1. Create a Budget
One of the most fundamental steps to financial responsibility is creating a budget. A budget helps you understand where your money goes and ensures you live within your means.
Tips for creating a budget:
Track your income and expenses.
Categorise your spending (e.g., housing, transportation, groceries).
Identify areas where you can cut back.
Allocate funds for savings and emergencies.
If you could do with a hand creating your budget, check out our budget calculator.
2. Build an Emergency Fund
Unexpected expenses can derail your financial plans. An emergency fund is a financial safety net you can rely on during unforeseen circumstances.
How to build an emergency fund:
Aim to save at least three to six months’ of living expenses.
Start small and gradually increase your savings.
Keep your emergency fund in a separate, easily accessible savings account.
3. Manage Debt Wisely
Debt can be a significant burden on your financial wellbeing. It’s essential to manage it wisely and take steps to reduce it over time.
Strategies for managing debt:
Make a list of all your debts and their interest rates.
Prioritise paying off high-interest debts first.
Consider consolidating your debts if it lowers your interest rates and simplifies payments.
Avoid taking on new debt whenever possible.
4. Save for the Future
Saving for the future is a crucial aspect of financial responsibility. Whether for retirement, education or a major purchase, having a savings plan can provide financial security and peace of mind.
Saving tips:
Set specific financial goals (e.g, save £5,000 for a down payment on a house).
Automate your savings by setting up a direct deposit to your savings account.
Take advantage of employer-sponsored retirement plans and other savings incentives.
5. Improve Financial Literacy
Understanding personal finance concepts can significantly affect your financial decisions and wellbeing. Take the time to educate yourself about financial matters.
Resources for improving financial literacy:
Attend financial literacy workshops or seminars.
Read books and articles on personal finance.
Use online resources and tools, such as budgeting apps and financial calculators.
Talk to a financial advisor for personalised advice.
6. Talk About Money
Talking openly about money can de-stigmatize financial discussions and provide you with new perspectives and ideas.
Ways to talk about money:
Have regular financial discussions with your family or partner.
Join a financial support group or community.
Seek advice from trusted friends or mentors.
Feel free to ask for help if you’re struggling with your finances.
At Leeds Credit Union, we’re here to support you on your journey to financial wellbeing. By taking these steps towards financial responsibility, you can build a secure and prosperous future for yourself and your loved ones.
Comments Off on Enjoy a Stress-Free Festive Season With Our Christmas Club Accounts!
Enjoy a Stress-Free Festive Season With Our Christmas Club Accounts!
As the holidays approach, many of us may start to feel the pressure of managing the associated expenses, like buying gifts, arranging celebrations and planning journeys to visit family and friends.
Luckily, our Christmas Club savings accounts are here to help you enjoy a stress-free holiday by enabling you to start saving early!
Why Choose the Christmas Club?
Dedicated Savings for the Festive Season.
The Christmas Club is a special savings account that encourages you to save for the holiday period well in advance. You can contribute throughout the year, with the funds only accessible in November, just in time for the Christmas rush. This system keeps your savings secure and prevents the temptation of dipping into them early, ensuring you have enough money set aside for when the festive expenses begin.
Avoid Credit Card Debt and High-Interest Loans.
Christmas Club accounts also stop you from relying on credit cards or high-interest loans to cover your Christmas costs. By saving regularly, you’ll have a dedicated pot of money for gifts, food and any other holiday expenses, helping you avoid the debt trap many fall into around the holidays.
Manageable, Consistent Savings.
Instead of facing large, last-minute holiday costs, the Christmas Club allows you to spread your savings across the year. Whether it’s weekly or monthly, contributing smaller amounts over time makes it easier to manage your budget and reduces the strain on your finances in the lead-up to Christmas.
Security and Peace of Mind.
We ensure that your money is safe and protected. Unlike informal savings methods, such as putting money aside at home, your Christmas savings with LCU are secured in a proper account with full access to your balance once November arrives. You can trust that your holiday funds will be there when you need them.
Simple, Hassle-Free Setup.
Opening a Christmas Club account is easy and hassle-free!
We offer flexible deposit options, allowing you to save at your own pace. The account is specifically designed for members to build savings without the complexity of a typical high-street bank account.
Start Early, Enjoy More.
Saving early with the Christmas Club not only helps you manage your finances better, it also brings peace of mind knowing you are prepared for the festive season. Imagine enjoying your holidays without the stress of bills looming over you in January! By planning now, you can focus on the important things: time with loved ones, celebrations and creating joyful memories.
If you’re looking for a smart, reliable way to handle your winter expenses, join Leeds Credit Union’s Christmas Club today and make this Christmas one to remember!
For more information or to apply for a Christmas Club account, click here.
Comments Off on We’re Empowering The City’s Workforce!
We’re delighted to announce that we’ve helped workers in and around Leeds save more than £1.1 million in high-interest loan repayments on £1.5 million of lending in the past year!
By enabling our members to avoid the high costs associated with unethical doorstep lenders and loan sharks, we’ve saved them £1,130,616 in interest repayments over the last 12 months through our payroll loans service.
A simple way of increasing financial resilience among workers in the local area, our payroll loans enable employees of selected employers to access affordable and responsible loans with competitive interest rates and flexible repayment terms, with repayments taken directly from the borrower’s salary.
We recognise that financial stress can greatly affect individual happiness and wellbeing, so we’re delighted to be fostering financial well-being and empowering individuals across Leeds. By partnering with LCU, employers can facilitate this process too, making it easy for employees to reduce the stress associated with unexpected expenses, giving them peace of mind and allowing them to focus better on their job responsibilities.
Mark Fleet, our CEO, said: “With the cost of living crisis still ongoing, we understand that times are tough for many right now, and we’re proud to support people across the city – including employees of organisations including the NHS and Leeds City Council – by providing access to our low-interest loans through payroll partnerships.
“As well as stopping them overpaying on interest for store cards, overdrafts, credit cards and high-interest loans, we’re also helping them stay in control of their finances. And, with research showing that financial worries can have a negative impact on workers’ wellbeing and work/life balance, all of which can contribute to anxiety, poor work performance and absenteeism, we’re thrilled to be able to do so.
“Life is full of unexpected challenges, and sometimes employees may require financial assistance to overcome them. In such cases, offering access to responsible loans can be a game-changer; when employees know they have a reliable source of affordable credit, they are less likely to turn to high-interest payday loans or accumulate debt on high-interest credit cards.”
To find out more about our payroll services, visit: https://leedscreditunion.co.uk/payroll-services/
Comments Off on Get Ahead Of The Holidays With A Christmas Club Account.
Get Ahead Of The Holidays With A Christmas Club Account.
UK Savings Week may be coming to an end but that doesn’t mean it’s time to stop saving, especially with the festive season closer than some of us would care to admit!
Christmas has a way of sneaking up on us, often in an enjoyable, magical way. However, the excitement of holiday lights, festive meals and gift-giving can also bring financial stress.
Whether you’re buying presents, stocking up on food or planning holiday trips, December expenses can quickly add up, which is why it pays to start saving early.
Thankfully, with one of our Christmas Club Accounts, spreading the cost and enjoying a stress-free holiday season has never been easier!
What is the Christmas Club Account?
Our Christmas Club Account is a special savings account designed to help you prepare for the festive season by putting away a little money each month throughout the year. It allows you to build up a Christmas fund gradually, ensuring you have the money you need when the holidays arrive, without relying on last-minute loans or credit cards.
The best part? You can’t access your Christmas savings until November, helping you resist the temptation to dip into your funds early. By the time the holidays roll around, you’ll have a nice cushion to cover all your holiday expenses.
How Does the Christmas Club Account Work?
Opening a Christmas Club Account is simple:
Set Up Regular Deposits: Whether you want to save a little each week or make monthly contributions, you can set up a standing order or deposit when it suits you. The flexibility means you can save at your own pace.
Lock Your Savings: Funds in your Christmas Club Account are kept safe until November 1st, ensuring they are available when you need them most. This feature helps you stay on track with your savings goal without the temptation to withdraw early.
Enjoy a Stress-Free Christmas: When the holiday season approaches, you can withdraw your savings and start spending on gifts, decorations, food and all the festive trimmings without worrying about overspending or going into debt.
Why Start Saving for Christmas Now?
While it’s easy to think, “I’ll start saving later,” the earlier you begin, the easier it will be to meet your holiday goals. Here are a few reasons why starting now makes a big difference:
Avoid the Last-Minute Scramble: The run-up to Christmas is a busy time for everyone and finding extra cash in December can be tough. By spreading your savings out, you’ll be ready when the festive season hits, avoiding the last-minute rush to cover costs.
Budget Better: With regular, small deposits into your Christmas Club Account, you’ll spread the cost of Christmas over several months, making it easier to manage your household budget throughout the year.
No January Debt Hangover: Many people rely on credit cards to cover holiday expenses, leading to a financial hangover in January. With a Christmas Club Account, you can pay for your holiday needs upfront, avoiding the stress of post-holiday debt.
Make Your Christmas More Enjoyable
The festive season is meant to be a time of joy and celebration with family and friends, not stress over how to pay for everything. By using the Christmas Club Account, you can focus on what truly matters: spending quality time with loved ones, making memories and enjoying the magic of the season.
Maximise Your Savings: Tips for Getting the Most from Your Christmas Club Account
Set a Goal: Estimate your holiday expenses – presents, food, travel etc – and set a realistic savings goal. Knowing how much you need will help you stay motivated in the run-up to Christmas.
Automate Your Savings: Set up a standing order to automatically transfer money into your Christmas Club Account each payday. This way, you’ll consistently save without thinking about it and your balance will grow effortlessly.
Review Your Savings Regularly: While you can’t withdraw your funds until November, it’s a good idea to check in on your progress periodically. Adjust your contributions if necessary to ensure you meet your savings target in time for the festive season.
Top It Up: If you come across extra cash – whether from birthday money, a tax refund or selling unwanted items – consider putting it into your Christmas Club Account for a holiday boost.
Why Save With Leeds Credit Union?
At Leeds Credit Union, we’re here to help you prepare for Christmas the smart way. Our Christmas Club Account is designed with your needs in mind, offering flexibility and peace of mind. By saving a little at a time, you’ll avoid holiday debt and reduce your financial stress.
Ready to Get Started?
There’s no better time than now to start saving for the festive season. Open your Christmas Club Account today and get ahead of the holiday rush! Visit ourChristmas Club page or stop by your nearest branch to learn more.
Comments Off on Reducing The Cost Of Sending Your Child Back To School.
Reducing The Cost Of Sending Your Child Back To School.
The school summer holidays are in full swing but every savvy parent knows that it’s never too soon to start gearing up for back-to-school season.
While it’s an exciting time for students to reconnect with friends and embark on new educational journeys, it can also be a financially challenging time for many households, especially as the preceding weeks can often be very expensive themselves.
So how can people reduce the financial burden and make the back-to-school season more affordable?
Plan ahead.
One of the most effective ways of reducing the cost of sending your child back to school is simply to plan ahead.
By making a list of all the essential items your child will need for the upcoming academic year early, you’ll have more time to search for deals, compare prices and take advantage of sales.
Your list should include school supplies like pens and pencils, uniforms, textbooks, new technology and other necessary expenses. If you want to make sure you haven’t forgotten anything, have a look on your child’s school’s website – many schools publish a list of what essentials are necessary for pupils each year to make your task a little easier.
Look out for second-hand sales.
Lots of schools and communities host second-hand sales or exchanges where parents can buy and sell gently-used school uniforms, books and other essentials, so get on social media and find out if any events are taking place near you.
These events can be a goldmine for cost-conscious parents, as they offer quality items at a fraction of the original cost. By participating in these sales, you not only save money but also contribute to sustainable and eco-friendly practices too.
Be aware of deals and discounts.
Keep an eye out for deals and discounts from various retailers and online platforms. Many stores offer back-to-school promotions and buying in bulk can sometimes result in significant cost savings.
Using cashback apps or rewards programs to earn extra savings on your purchases is a great idea too.
Contact your local credit union.
Credit unions are committed to supporting the communities in which they operate and providing financial solutions to their members. When it comes to back-to-school expenses, they can offer people small, affordable loans with competitive interest rates and flexible repayment terms to help people cover the cost.
They can also provide access to dedicated savings accounts which can be used exclusively for back-to-school expenses. By depositing a small amount regularly throughout the year, you’ll have a substantial sum saved up when the back-to-school season arrives, reducing the need for last-minute panic buying.
Credit unions can also provide money and budgeting services to help households make the most of their resources during the back-to-school season. By setting a realistic and affordable budget, people can more easily resist the temptation to overspend on non-essential items, while involving your child in budgeting discussions can also be an excellent way to teach them about money management from an early age.
How Leeds Credit Union can help.
Sending your child back to school doesn’t have to break the bank. By planning ahead, budgeting and taking advantage of second-hand sales, deals and discounts, people can reduce the financial strain and make the back-to-school season more manageable.
For more information about the ways in which Leeds Credit Union can help, click here.
Comments Off on The Best Days Out in Yorkshire This Summer.
The Best Days Out in Yorkshire This Summer.
Not for no reason is Yorkshire known as God’s Own Country. From Sean Bean to Yorkshire puddings via stainless steel, world class cricketers and a sense of humour drier than a desert, it’s impossible to imagine any other county bringing such joy to the good Lord’s face.
While pinpointing the best things about Yorkshire may be easy, selecting the region’s best attractions to visit this summer is anything but, purely because of the number of options available. Luckily, we love a challenge, so read on for our guide to the best places to visit during this year’s summer holidays.
York Minster.
Set in the heart of the historic city of York, York Minster is a gothic cathedral that stands a breathtaking 72 metres high and boasts the largest collection of medieval stained glass in the UK, some of which dates as far back as the 12th century.
Anyone interested in its stunning architecture and vast spaces can learn about the minster’s construction and the people who built it with a guided tour that also includes a trip to the top of its Central Tower – York’s highest point – where you can take in incredible views of the city and beyond.
With York city centre just a short stroll away, a trip to the Minster is a must for anyone with even a passing interest in Yorkshire’s rich cultural heritage.
York Minster, Deangate, York. YO1 7HH.
Yorkshire Wildlife Park.
For those who prefer more adventurous days out – and/or have kids in tow – the Yorkshire Wildlife Park (YWP) gives visitors the chance to get up close to some of the world’s most incredible and endangered animals and help conservation efforts at the same time.
A walk-through wildlife park near Doncaster, YWP is home to 60 different species, including polar bears, black rhinos, tigers and giraffes, as well as several indoor and outdoor play areas, themed restaurants and cafes. With special events taking place throughout the year and animal experiences, like feeding lions, available for special occasions, this is one day trip the whole family will be happy to revisit again and again.
Yorkshire Wildlife Park, Hurst Ln, Auckley, Doncaster. DN9 3QY.
The Deep.
Arguably the best indoor day out in all of Yorkshire, The Deep is home to more than 3,500 creatures including fish, turtles, sharks, snakes and penguins, making it one of the UK’s biggest and best aquariums.
In addition to the breathtaking creatures swimming around every corner, The Deep also boasts interactive exhibitions that teach visitors about the world’s oceans and their inhabitants, as well as a cafe and an evening restaurant. And if a visit during daylight hours just isn’t exciting enough, you can even arrange a sleepover and spend the night snoozing alongside the amazing marine life! That’s right – at The Deep, you can literally sleep with the fishes…
The Deep, Tower Street, Hull. HU1 4DP.
Mother Shipton’s Cave.
No list of Yorkshire’s best places to visit would be complete without England’s Oldest Tourist Attraction – the stunning and mysterious Mother Shipton’s Cave.
Situated in an incredible park in the remains of the Royal Forest of Knaresborough, visitors can explore the titular cave and learn about the fascinating legend of Mother Shipton (a fortune teller born in the cave in the 15th century who locals believed to be a witch) before checking out the famous Petrifying Well and its magical water that turns everything it touches to stone.
With numerous walks and an adventure playground to keep children entertained, Mother Shipton’s Cave combines the beautiful Yorkshire countryside with some of the region’s most mythical history – the perfect ingredients for a good day trip.
For those looking for a more energetic day out, why not try one of Yorkshire’s world-renowned coastal walks? There are plenty to choose between but we’d recommend the walk around Whitby Abbey and the nearby coast.
Ideal for experienced walkers or exercise-loving families, the walk begins at the ancient, gothic abbey itself – giving visitors the chance to soak in the atmospheric building that inspired Bram Stoker’s Dracula – before heading along the coast to Saltwick Bay, the old lighthouse on top of the cliff and concluding in Whitby, which has plenty of excellent pubs, cafes and restaurants to investigate.
Fresh sea air, dramatic clifftops, unbeatable scenery, good food – what’s not to like?
Whitby Abbey, Whitby Abbey Lane, Whitby, North Yorkshire. YO22 4JT.
Happy holidays!
Whatever your plans for this summer, we can help bring them to life with our variety of affordable loans. For more info and to find out how much you could borrow, click here.
Comments Off on Savvy Summer Saving: Budget-Friendly Tips for a Memorable Holiday.
Savvy Summer Saving: Budget-Friendly Tips for a Memorable Holiday.
Nothing beats a summer holiday. The combination of sun, sea and sand just makes everything better and helps melt your troubles away, if only for a week or two.
But with the cost of living crisis forcing us all to be more frugal than ever, how can you enjoy a summer holiday without breaking the bank? We take a look.
Keep an eye on last-minute deals.
If you can afford to leave booking your holiday until late in the day, websites specialising in last-minute holiday deals are invaluable.
There are plenty to choose from like loveholidays. With this provider, as well as allowing you to search for any destination, you can also see what’s available for a whole calendar month, rather than having to input a specific date. While this doesn’t sound like much, it’s an extremely convenient tool that saves a significant amount of browsing time.
It also offers a low deposit scheme and different payment options, meaning you can book even if you can’t afford to pay for it all in one go – ideal if you’re on a tight budget.
Better yet, loveholidays is a member of ATOL, which means all its holidays – from flights to hotel bookings – are financially protected.
Sign up for flash sale alerts.
Like last-minute holidays, flash sale offers only work if you’re able to leave booking a holiday until the eleventh hour. If you can, they’re well worth investigating.
Sites like HolidayPirates offer great deals at seriously low prices but only for a very limited time. To stay in the know without having to constantly check its homepage, sign up to its email list and follow it on social media to find out about offers before everyone else. Speed is of the essence though – these deals get snapped up fast.
Look for discount codes.
Websites like My Voucher Code offer money off vouchers which can be redeemed against holidays, so it’s definitely worth a cursory glance to check if your destination of choice is included.
Use comparison sites to book hotels.
As well as letting you check lots of hotel sites quickly, comparison sites usually help you find the best prices. Of course, there are several comparison sites to choose between and each will probably throw up a different result, so it’s worth checking at least three of the most popular ones before deciding who to book with. As well as Trivago and Hotels.com, you should consider Skyscanner, Kayak and TripAdvisor too.
All these sites also allow you to filter results to only show hotels that offer free cancellation – a useful option that will prevent you from ending up out of pocket.
Talk to your hotel before booking.
Before you book a hotel online, give them a call and find out if they offer discounts by booking directly with them – they occasionally offer direct bookers money off for booking early or three-for-two deals.
Once you’ve started a conversation with them, you might even get freebies like free Wi-Fi thrown in too. Remember, if you don’t ask, you don’t get!
Need help paying for your holiday?
At Leeds Credit Union, we offer a range of savings accounts that can help you start saving for your next holiday today. Or you could take out one of our affordable loans and borrow from £250 to £25,000 to help you enjoy the holiday of your dreams. Click here to find out more.
Comments Off on Important changes to LCU cash limits – July 2024.
Important changes to LCU cash limits – July 2024.
Due to an increase in our insurance costs, from Thursday, August 1st, the maximum amount of cash you will be able to take out over the counter in our branches will be £200 per day.
The £200 limit will apply across all branches, so you will NOT be able to withdraw £200 from one branch and then another £200 from a different branch on the same day.
Members who still wish to access cash from their accounts can use the following methods:
CashPerks: lets you withdraw £250 cash at MasterCard ATMs without the need for a card*.
PayPoint Cash Out: lets you get cash at any of the 28,000 PayPoint outlets across the UK*.
Members can also ask for more information in branch, where our staff will be happy to arrange a CashPerks or PayPoint withdrawal for you.
If you have a bank account with a UK bank or building society, you can ask in branch for a faster payment to be made from your LCU account into the bank account – you will just need the account sort code and account number.
Arrange transfers using our free online banking service or mobile app.
Cash deposits.
Due to anti-money laundering regulations, we must limit the amount of cash that can be deposited over the counter at our branches.
From Thursday, August 1st, the maximum cash deposit will be £1,000 in a single deposit. You will also only be allowed to deposit a total of £1,000 in cash each month.
Up to £5,000 can be deposited provided that you give two days’ notice and can provide proof of the source of the cash. For example, if the money has come from the sale of a car, you will need to provide the sales receipt and a copy of the completed V5 (Logbook) showing you have sold the car.
If you are not sure what is acceptable proof, please ask when telling us about the deposit. If we do not have acceptable proof, the deposit will be refused.
We apologise for any inconvenience. If you have any questions, please contact us via the link below.
