Kent Reliance Building Society - Fixed Rate Mortgages, Self Build, Shared Ownership Mortgages from UK.

Q. What are the ID's I need to send along with the application forms?

We conduct an electronic check to establish proof of your identity and address. We will write to you asking for ID, only if we are unable to sufficiently verify your name and address through our electronic verification process. In this case, our letter to you will specify the valid ID's we require.

Q. How do I notify you of my change of address?

Simply notify us about your change of address in writing at Kent Reliance Building Society, Reliance House, Sun Pier, Chatham, Kent ME4 4ET. Please note that we do not accept notification through e-mail, fax, phone, etc. to protect your account. We will not require proof of your new address. Passbook based account holders can come directly to our branch or any agency to notify us of a change of address.

Q. How do I notify you of my change of name?

Kindly send this in writing with your new and old signatures. Please enclose a proof of name change. The Marriage certificate or Name change deed poll. The document could be original or a certified copy. Passbook based account holders can contact any branch or agency.

Q. Can I access my account online?

We are in the process of developing a system where you could have online access to your account. We have completed phase 2 of the project - visit www.internetbuildingsociety.com

Q. How do I make a further deposit in to my Kent Reliance account?

You can send us a cheque made payable to yourself with your account number and address written on the reverse of the cheque. Alternatively, you can pay into a Kent Reliance account by setting up a standing order, via BACS or using an online funds transfer facility. You will need to supply the following details to your bank:

a)	Sort code: 62-24-97.
b)	Account Number: 00000000 (eight zeroes).
c)	Reference/Roll Number: Your Kent Reliance Account Number for example DIS5123456ABC.
d)	Amount to be transferred.

If you are paying in by CHAPS, you will need the following details,

a)	Sortcode: 60-05-09.
b)	Account Number: 55258085.
c)	Reference/Roll Number: Your Kent Reliance Account Number for example DIS5123456ABC.
d)	Amount to be transferred.

Passbook based account holders can pay in cash or by cheque at a branch or agency (only in Kent). Please note that cash cannot be sent through the post to Head Office.

Note: You are now allowed to invest up to £3,600 in Cash ISAs for a tax year.

Q. How do I make a withdrawal from my account?

You can withdraw money by postal requests to Head Office or through our branch or agency network.

If you have a passbook based account, we will need your passbook along with your postal request. Alternatively, you can make withdrawals from our branch or agency network.

We can send cheque's or transfer the funds directly into a nominated bank/building society account via BACS free of charge. A fee of £25 is applicable for CHAPS withdrawals. The funds will be available in the designated account by the end of the same business day.

For more details please click here

Q. How do I obtain the necessary stationery to operate my account?

You may request stationery by contacting us by phone, e-mail or by writing to our Head Office. You could also download additional stationery from the downloads section on our website.

Q. When will my account start earning interest?

Your account will start earning interest from the day it was opened. For Cash ISA transfers in and additional deposits made, the interest is payable from the day we receive the cheque.

Q. How long do I have to wait before I can withdraw against a cheque deposit?

You must allow six clear working days for clearance on all cheques paid in before withdrawal can be made against them.

Q. How can the interest be paid gross to me?

A completed R85 form should accompany your application for the interest to be paid gross. Please note that one R85 form is required for each new account opened. A completed R85 form is required even for the Children's account in order for the interest to be paid gross.

Q. How do I know the interest added to my account?

The annual statement of interest will be sent to all account holders, shortly after 5th of April every year.

Q. When will I get statements of my account?

Annual statements of accounts will be sent after the end of the tax year in April. Quarterly statements will be sent for Direct ISA, Direct regular savings account and Direct 60+ savings account holders in January, July, and October. This will be only to those account holders who make a minimum of one transaction in that respective quarter of the year.

Q. How safe is my money with Kent Reliance?

We are regulated by the FSA and we are a member of the Financial Services Compensation Scheme. With effect from 7 October 2008, the limit for compensation payments is 100% of the first £50,000 for each depositor. Please note that we do not lend in the sub prime market and more than 80% of the capital raised at Kent Reliance is from our members.

Q. How do I add or remove someone from my account?

To add another applicant to an account, kindly send us a fresh application with the details of both the applicants and a covering letter. To remove someone from a joint account, simply send a written request to the Head Office with the signature of both parties.

Q. Can Kent Reliance offer me advice?

Kent Reliance does not offer advice but we can give you all the information you would like about our products and services, to enable you to make an informed decision.

Q. I am the executor for the estate of a deceased Kent Reliance Account holder. How do I go ahead about closing this account?

Please send us the death certificate and the probate along with a covering letter. The probate is required if the aggregate balance of all the accounts of the deceased exceeds £5,000. We will need either an original copy or a certified photocopy of the death certificate. However, the probate sent should be the original copy.

Q. How do I operate my Direct 60+ savings account?

You can make payments by sending us a cheque made payable to yourself with your account number on the reverse. Alternatively, you may arrange for a BACS transfer in or set up standing orders. For withdrawals simply send us a withdrawal slip or a standard letter and we will transfer the money via BACS into the nominated account. Please note that we do not allow cheque withdrawals for this account.

Cash ISA FAQ's

Q. What are my ISA investment options?

From April 2008, you will be able to invest in one Cash ISA and one Stocks and shares ISA each tax year. The annual ISA investment allowance has now risen to £7,200 per tax year. Up to £3,600 of that allowance can be saved in cash with one provider. The remainder of the £7,200 can be invested in a Stocks and shares ISA with either the same or another provider.

The maximum amount that can be invested in a Cash ISA for this tax year is £3,600.

Q. What happened to my existing ISAs?

Mini cash ISAs, TOISA's and the cash component of a maxi ISA are reclassified as 'Cash ISAs'. Mini stocks and shares ISAs and the stocks and shares component of a maxi ISA are reclassified as 'Stocks and shares ISAs' (Kent Reliance does not offer a Stocks and shares ISA).

Q. I have a Tessa only ISA with you. Will that be converted to Cash ISA now?

All the Tessa only ISAs will now be treated as Cash ISAs. This means that the Cash ISA allowance for the current tax year can be paid into this account or to your existing Cash ISA account (if you also had a mini cash ISA with us). Please note that you can make the payment only to one of these accounts.

Q. Do I have to complete any additional forms to make a deposit into my Cash ISA for this tax year?

You do not need to send us any additional forms while making an additional deposit into your Cash ISA for this tax year. However, you will be asked to complete a missed subscription form if you did not subscribe to an ISA with us the previous tax year. This form will be automatically sent out on receipt of the deposit.

Q. How do I transfer out my Cash ISA (previously Direct mini cash/TESSA only ISA) with Kent Reliance to another provider? Is there a fee or notice period required?

You will need to contact the new provider for this. There are no fees for transferring out a Kent Reliance Cash ISA and no notice period has to be served. Kent Reliance does not offer partial transfers out.

Q. How long will it take for the transfer? Will I lose the interest for these days?

Kent Reliance subscribes to the Banking Code which makes us liable by law to action the transfer within 30 days from the date of receipt of the transfer request from the new provider. Please note that we pay interest until the day your account is closed with us.

Q. Do you accept transfers in of Cash ISAs (Previously Mini Cash ISAs/TESSA only ISAs)? How do I go about it?

Yes, we do accept transfers in of Cash ISAs. All you need to do is simply send us a completed transfer form for a Cash ISA along with an application form for a Cash ISA. We will write to your existing provider requesting for the funds to be transferred to us. (Please note that existing KRBS ISA account holders do not need to send an application form). You could also download forms from the downloads section on our website. Alternatively, we can post the relevant forms if you contact us via phone, e-mail or letter.

Q. I have already invested this year's allowance with another provider. But I want to transfer my previous year's ISA balances to you. Is that possible?

Yes, it is possible. You could transfer your previous year's Mini Cash ISA, TESSA only ISA or cash component of a Maxi ISA to us.

*Calls to 08451 numbers from BT landlines will cost no more than 5p per minute, the price of calls from other telephone companies may vary. For customer service and training purposes, calls to Kent Reliance may be monitored and/or recorded.