Urgent flood advice

In the wake of the recent flooding, we have put in place a number of special arrangements to help Bank of Scotland customers who have been affected by the floods.

For customers insured with us:

• If you can no longer live in your home, we can make emergency payments and help you secure temporary accommodation.
• During a complex claim, if we feel you need the extra support, we can appoint a dedicated Personal Claims Consultant who will visit your home and personally help you get back to normal.
• We can provide you with access to one of our preferred builders and restoration experts to help repair your home.

For our business customers:

• Our relationship managers are contacting business customers we believe to be directly affected by the incident to offer support and see how we can help.
• We will meet all reasonable requests for finance to aid immediate cashflow needs, including extensions to overdrafts and help to cover business loan repayments.
• We’re working with customers to help them with practical arrangements, such as payment of wages or suppliers, which may have been disrupted by the floods.

For all our affected customers:

• If you have an overdraft facility or credit card you can ask for an emergency limit increase.
• If your home has been affected by the recent floods you can defer your mortgage and/or your personal loan repayments for 3 months (interest will continue to be applied)*.
• If your holiday plans have been affected we'll refund travel money ordered with us and also buy back uncollected travel money without any penalty.

For customers saving with us:

• We will allow all customers who have been affected by flood damage to access their funds even if they are in a fixed rate savings account, free of penalty.
• If you wish to withdraw from an ISA, please be aware that you cannot replace any money you withdraw in a tax year.
• Part withdrawals cannot be made from a Term Deposit, however should you not require access to all your funds, you can open a new Term Deposit with the funds you would like to continue to save.

For more information on how we can help at this difficult time visit your nearest branch or call us at any time, 24 hours a day on:

0845 604 2356 for Insurance customers
(24 hours, 7 days a week)

0800 028 7392 for Current Account, Mortgage and Loan customers

Click here for essential flood advice.

*Your home may be repossessed if you do not keep up repayments on your mortgage.

Bank of Scotland plc. Authorised and regulated by the Financial Services Authority. Calls may be monitored or recorded.

The Governor and Company of the Bank of Scotland, constituted under an Act of Parliment dated 1695, Head Office: The Mound, Edinburgh EH1 1YZ.