Child Trust Funds - Kingston Unity CTF Hub

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Child Trust Fund Hub

Everything you need to know about your CTF

We’ve designed this CTF Hub to help all CTF account holders get the information they need about their CTFs quickly and easily. We’ve laid out everything we think you’ll need to make an informed decision on your CTF, both for active CTF accounts and those accounts that are soon to mature.

If you’ve received a letter from us telling you that your account is soon to mature and you’ll be able to decide what you want to do with the money in the account, this is the place you need to be to let us know your decision. Take a look around and see what you can find. If we haven’t been able to answer your question, get in touch and we’ll happily help you.

What can we help you with?

About CTFs

Want to learn more about your Child Trust Fund?

Your CTF

If your child has a CTF then this section of the Hub is for you

Is your fund maturing?

Are you soon to be turning 18? Learn more about your options.

Get in touch

Learn how you can get in touch with us.

Making decisions about money, a guide.

Students should be taught everything from how to make money last, to how much money you need to get by, how to haggle, how interest rates work, and even the dangers of debt.

Take a look

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

conduct a full assessment of your needs;
offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

protect yourself and your loved ones in the event of death
save and invest with the added benefit of protecting yourself and your loved ones in the event of death
provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website www.fsa.gov.uk/register or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.

I have read the above