If you are concerned that you or someone you know may be experiencing domestic abuse, contact Scottish Women’s Aid for free, confidential advice: https://womensaid.scot/
You can also find your local Women’s Aid group here.
The 24 Hour Scottish Domestic Abuse and Forced Marriage Helpline is for anyone in Scotland. 0800 027 1234
The 24 Hour National Domestic Abuse Helpline for Women 0808 2000 247
Men's Advice Line 0808 8010 327
LGBT+ Domestic Abuse Helpline 0800 999 5428
Support Centre
We are here to Help
Have you had a change in circumstance that has impacted your ability to repay your loan? Please be assured that your Credit Union is here to help!
At 1st Class Credit Union, we understand that personal situations can change and can leave individuals feeling financially overwhelmed. If you are struggling to keep up with your repayments or have already fallen behind, the best thing you can do is make contact with us. This will enable us to work together and come to an arrangement that best suits your current situation.
Budget Planner
We want to help you know exactly where your money is being spent, and how much you’ve got coming in each payday. Knowing where every pound is being spent is a great first step to starting your savings, getting out of debt or preparing for retirement.
Any messages entered on the form below will go directly to our Support Team, who will make contact with you as soon as possible to discuss your options going forward. Alternatively, you can email our support team here: paymentsupport@1stclasscu.co.uk
How to register for a new PIN
- click on the register button bellow
- fill and submit the registration form
- a new PIN will be sent to you via SMS
Recurring Card Payment
- Authority to Take Recurring Card Payments
Members may choose to pay into their account via recurring card payment. By selecting this payment method, the member authorises 1st Class Credit Union to automatically charge the debit card provided for the amount agreed, in accordance with these Terms and Conditions.
- Purpose of Payments
Recurring card payments may be used for:
a) regular savings contributions; and/or
b) repayment of loan, including any interest or charges due in accordance with the loan agreement. - Payment Amount and Frequency
Recurring card payments will be taken monthly on or around the same date each month. The amount deducted will be an amount agreed with the member.
- Duration of the Payment Arrangement
The recurring card payment arrangement will continue until the member requests to close their account or arrange an alternative payment method.
- Changes to Payment Details
Members may request changes to the payment amount, payment date, or card details by contacting 1st Class Credit Union directly.
- Cancellation by the Member
Members may cancel a recurring card payment arrangement at any time by contacting 1st Class Credit Union. Cancelling a recurring card payment does not cancel a loan agreement or remove the obligation to repay any outstanding loan balance. - Refunds
A refund will only be processed when a payment has been taken in error. For instance, if a member has cancelled a recurring card payment arrangement with the Credit Union or card provider and a payment was taken after this, this would be an unauthorised payment and will be refunded via bank transfer.
- Failed or Missed Payments
If payments are missed, the member remains responsible for meeting their savings or loan repayment obligations, and alternative payment arrangements may be required.
- Impact on Loans
Where recurring card payments are used to repay a loan, missed or cancelled payments may result in arrears and could affect the member’s credit standing with 1st Class Credit Union. We may contact the member to agree an alternative repayment method.
- Card Security and Processing
Card payments are processed securely by an authorised payment service provider. 1st Class Credit Union does not store full card details. Members are responsible for ensuring their card remains valid and that sufficient funds are available.
- Right to Cancel with Card Provider
Members may have the right to cancel a payment authority with their card issuer; however, this does not remove the obligation to make savings contributions or loan repayments, and members must contact 1st Class Credit Union directly to discuss alternative payment arrangements.
V1
June 2026
