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																	<a href="investing" class="menuhead">Investments</a>
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																	<a href="news" class="menuhead">Financial news & analysis</a>
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																	<a href="why-invest-with-us" class="menuhead">Why invest with us?</a>
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																	<a href="wealth-insights" class="menuhead">Wealth Insights </a>
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																	<a href="investment-funds-online" class="menuhead">Global Investment Centre</a>
																		<li><a class="dropdown-item" href="investment-funds-online">Find out more</a></li>
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																	<a href="contactandsupport" class="menuhead">Customer support</a>
																		<li><a class="dropdown-item" href="gsa">Log on to Global Investment<br>Centre</a></li>
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																		<li><a class="dropdown-item" href="getting-started">Getting started with investing</a></li>
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										Insurance <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Property & family</span>
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																		<li><a class="dropdown-item" href="home-insurance">Home Insurance</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance</a></li>
																		<li><a class="dropdown-item" href="student-insurance">Student Insurance</a></li>
																		<li><a class="dropdown-item" href="insurance">View all</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
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																	<a href="life-insurance" class="menuhead">Life Insurance</a>
																	<li><a class="dropdown-item" href="life-cover">Life Cover</a></li>
																	<li><a class="dropdown-item" href="critical-illness-cover">Critical Illness Cover</a></li>
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																	<li><a class="dropdown-item" href="life-insurance">View all</a></li>
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															<div class="single-services">
																<div class="media">
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																	<a href="insurance" class="menuhead">Insurance Claims</a>
																		<li><a class="dropdown-item" href="home-insurance-claims">Home Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="travel-insurance">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="car-insurance-claims">Car Insurance Claims</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
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																	<a href="premier-accounts" class="menuhead"><?php echo $shortname ?> Customers</a>
																		<li><a class="dropdown-item" href="premier-travel">Travel Insurance Claims</a></li>
																		<li><a class="dropdown-item" href="premier-car">Car Insurance Claims</a></li>
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								<li class="nav-item dropdown">
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										Life events <i class="fa fa-angle-down"></i><span style="display: block;font-size: 11px;">Help & support</span>
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															<div class="single-services">
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																	<a href="life-events" class="menuhead">Life events</a>
																		<li><a class="dropdown-item" href="dealing-with-bereavement">Bereavement support</a></li>
																		<li><a class="dropdown-item" href="dealing-with-separation">Separation support</a></li>
																		<li><a class="dropdown-item" href="settling-in-the-uk">Settling in the UK</a></li>
																		<li><a class="dropdown-item" href="getting-married">Getting married</a></li>
																		<li><a class="dropdown-item" href="planning-your-retirement">Planning your retirement</a></li>
																		<li><a class="dropdown-item" href="growing-your-wealth">Growing your wealth</a></li>
																		<li><a class="dropdown-item" href="moving-abroad">Moving abroad</a></li>
																		<li><a class="dropdown-item" href="life-events">View all</a></li>
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														<div class="col-md-3">
															<div class="single-services">
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																	<a href="planningtools" class="menuhead">Planning tools</a>
																	<li><a class="dropdown-item" href="financial-health-check">Financial health check</a></li>
																	<li><a class="dropdown-item" href="planningtools">View All</a></li>
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														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="protecting-what-matters" class="menuhead">Protecting what matters</a>
																		<li><a class="dropdown-item" href="protecting-what-matters">Learn more</a></li>
																	</div>
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														</div>	
														<div class="col-md-3">
															<div class="single-services">
																<div class="media">
																  <div class="media-body">
																	<a href="contactandsupport" class="menuhead">Customer support</a>
																		<li><a class="dropdown-item" href="ways-we-can-help">Ways we can help</a></li>
																		<li><a class="dropdown-item" href="money-worries">Money Worries</a></li>
																		<li><a class="dropdown-item" href="ways-we-can-help">Frequently asked questions</a></li>
																		<a style="margin-top: 15px;" href="quality-conversations" class="menuhead">Individual Review</a>
																		<li><a class="dropdown-item" href="quality-conversations">Book your review today for a<br>quick financial checkup</a></li>
																  </div>
																</div>	
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													</div>
												</div>									
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								</ul>
							  </li>
							   
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<div class="business-main-slider">
	<div class="owl-carousel main-slider">
        <div class="item creditbanner">			
			<div class="hvrbox">
				<img src="images\family.jpg" alt="credit" class="hvrbox-layer_bottom">
			</div>	
			<div class="banner-content">
				<div class="innerBanner container">
					<h3>Money worries</h3>
					<p>Get the right financial help</p>
				</div>
			</div>		
        </div>
    </div>	
</div>
<div class="card-detail-wr">
	<div class="container">
		<div class="card-single-wr" style="border-top: none;">
			<h2>Find help</h2>
			<p>Many of us find ourselves financially stretched from time to time. Often things can get back to normal but if you don't act as soon as you know there's a real problem, your debts could get worse. That's why we're here to help you find the right solution to your individual financial difficulties.</p>
		</div>
	</div>
	<div class="business-features-3x" style="margin-top: 60px;">
		<div class="colourful-features-content">				
			<div class="row">					
				<div class="col-md-4 no-padding">				
					<div class="single-colorful-feature feature-color-1">
						<h2><a href="#">How we can help you find a solution <i class="fa fa-angle-right" aria-hidden="true"></i></a></h2>
						<p>If you think you might not be able to make a repayment, or have already missed a payment, you can discuss your options with us.</p>
					</div>									
				</div>					
				<div class="col-md-4 no-padding">				
					<div class="single-colorful-feature feature-color-2">
						<h2><a href="#">Taking control of your finances<i class="fa fa-angle-right" aria-hidden="true"></i></a></h2>
						<p>If you feel you're losing control of your finances, there are some practical steps you can follow. </p>	
					</div>									
				</div>					
				<div class="col-md-4 no-padding">				
					<div class="single-colorful-feature feature-color-3">
						<h2><a href="#">Managing mortgage payments<i class="fa fa-angle-right" aria-hidden="true"></i></a></h2>
						<p>We can talk about the payment options available to you and help you with a plan to deal with any payment problems and arrears.</p>
					</div>									
				</div>	
				<div class="container">
					<p style="margin-top: 25px;"><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.</strong></p>	
				</div>			
			</div>		
		</div>
	</div>
	<div class="container">
		<div class="card-single-wr" style="border-top: none;margin-bottom: 35px;">
			<h2>Income and expenditure form</h2>
			<div class="inner-card-wr">
				<p>If you wish to complete your Income and expenditure form online today, please use the relevant link below to access the form.</p>
				<p><strong>Please note, this is not a budgeting form and should only be completed if you are in financial difficulty.</strong></p>
			</div>
			<div class="inner-card-wr">
				<button class="accordion">How to redeem your points</button>
				<div class="panel">
				  <div class="inner-card-wr">
				  	<p>If you are unable to keep up with your current contractual repayments or you think that you will not be able to make future repayments and believe you are in ﬁnancial diﬃculty, then you should complete this form.</p>
				  	<p>However, if you are able to comfortably rectify your account in the next 30 days (i.e. pay any missed payments and/or overdue balance) then you should not need to complete this form.</p>
				  	<p>Please note: if you have completed an Income and expenditure form with us in the past 6 months, and your ﬁnancial situation has not changed then you should not need to complete this form again. If this applies to you and you still wish to discuss your situation please contact us.</p>
				  </div>
				</div>

				<button class="accordion">What is it?</button>
				<div class="panel">
				  <div class="inner-card-wr">
				  	<p>This form consists of a series of questions about your income and outgoings (such as salary, mortgage payment, rent etc) in order to assess your aﬀordability in repaying your debt by establishing your monthly disposable income. It should take you 15-20 minutes to complete.</p>
				  </div>
				</div>

				<button class="accordion">How does it help me?</button>
				<div class="panel">
				  <div class="inner-card-wr">
				  	<p>This form starts by helping you pinpoint where you spend your money and showing you where you can, potentially, make savings. When you have completed the form, you need to call us and our specialist advisor will assess the information provided and establish if there is a solution which best ﬁts your current circumstances.</p>
				  </div>
				</div>

				<button class="accordion">What do I need to do?</button>
				<div class="panel">
				  <div class="inner-card-wr">
				  	<p>You will need to give a detailed overview of your income and outgoings by answering our questions as accurately as possible.</p>
				  	<p>Please have access to the following:</p>
				  	<ul>
				  		<li>1. Bank statements / Online Banking access</li>
				  		<li>2. Income (payslips, beneﬁts, pension, other income)</li>
				  		<li>3. Household bills and travel costs</li>
				  		<li>4. Accounts help with other banks/creditors</li>
				  	</ul>
				  </div>
				</div>

				<button class="accordion">What happens next?</button>
				<div class="panel">
				  <div class="inner-card-wr">
				  	<p>Once you complete and submit the form, we will need you to call one of our specialist advisors who will be able to help you further. You will also be able to print or save the form.</p>
				  </div>
				</div>
				<p style="margin-top: 20px;"><strong>Please note: If a debt management company is acting on your behalf, you do not need to ﬁll in this form.*</strong></p>
				<div class="col-sm-6">
					<a href="#" class="bussiness-btn-larg">Register for Online Banking</a>
					<a href="#" class="bussiness-btn-larg">Log on to Online Banking</a>
				</div>
			</div>
		</div>
		<div class="card-single-wr">
			<h2>Frequently Asked Questions</h2>
			<button class="accordion">I am struggling with my finances, who can I talk to?</button>
			<div class="panel">
			  <div class="inner-card-wr">
			  	<p>If you have already missed a payment, or are worried you may miss one in the future, please call our UK-based team of specialists on <?php echo$sitephone ?> to discuss your options.</p>
			  	<p>Lines are open 8am to 9pm Monday to Thursday, 8am to 6pm Friday and 8.30am to 4pm on Saturday (excluding Christmas Day, Boxing Day and New Year's Day). Calls may be monitored or recorded.</p>
			  </div>
			</div>

			<button class="accordion">Will the information I give you over the phone count against me in any way or will it be treated in confidence?</button>
			<div class="panel">
			  <div class="inner-card-wr">
			  	<p>We will use the information you give us in order to ensure any lending decisions we make are in your best interest. Rest assured, we will never divulge any confidential information you give us to other companies.</p>
			  </div>
			</div>

			<button class="accordion">I have received a letter on Credit Card persistent debt. Where can I find more information?</button>
			<div class="panel">
			  <div class="inner-card-wr">
			  	<p><a href="#" style="text-decoration: underline;">Click here</a> to find out more. </p>
			  </div>
			</div>
		</div>	
	</div>
</div>

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	<div class="col-sm-12 connectus">
		<div class="container">
			<div class="inner-connect">
				<h5> Connect with us </h5>
				<a href="#">Listening to what you have to say about our services matters to us.</a>
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						<h5> Help & support </h5>
						<a href="contactandsupport">Got a question? We are here to help you </a>
					</div>
					<div class="col-md-3">
						<h5> Find a branch </h5>
						<a href="ways-we-can-help">Find your nearest <?php echo$shortname ?> Banking location</a>
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						<h5> Our performance </h5>
						<a href="investing">View our service dashboard to see how we're doing</a>		
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					<div class="col-md-3">	
						<h5> About <?php echo$shortname ?> </h5>								
						<a href="news">Careers, media, investor and corporate information</a>							
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                        <div class="">
                            <div class="col-md-12 footer-info">
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                                	<p class="text-center"><?php echo$description; ?></p>

                                    <div class="col-md-3">	
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                                            <!--<p><a href="##">Industri Banking Group</a></p>-->
                                            <img style="max-width:125px;" src="<?php echo$footerlogo; ?>" class="d-inline-block align-top" alt="">
                                        </div>			
                                    </div>	
                                    <div class="col-md-6 text-center"><?php echo$siteaddress ?><br>
                                     <strong>Call us : <?php echo$sitephone ?></strong>
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                                    <div class="col-md-12 text-center text-muted">© <?php echo date("Y")?> <?php echo$sitename ?>- All rights reserved.</div>	
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