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Hornsey Co-operative Credit Union
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Hornsey Co-operative Credit Union : ウィキペディア英語版
Hornsey Co-operative Credit Union

Hornsey (FIA) Co-operative Credit Union Limited was a savings and loans co-operative, established in the Municipal Borough of Hornsey, now part of the London Borough of Haringey, in 1964. One of the earliest credit unions in the United Kingdom, it merged with London Capital Credit Union in 2013.
==History==

Hornsey Co-operative Credit Union was set up by 10 members of the Ferme Park Baptist church who were unable to get credit from the banks and familiar with credit unions in their native Jamaica. Originally an informal savings club, it was registered in 1964, 15 years before credit unions gained legal structure in Great Britain under the Credit Unions Act 1979.〔Jones, Rupert (Credit unions: financial lifeline for UK communities comes of age ) The Guardian, 5 April 2014〕 By the time of its first Annual General Meeting, it had grown to over 100 members.
Separately, Wimbledon Credit Union had been incorporated under the Companies Act 1948 six days earlier, however, Hornsey Co-operative was the first credit union to register under the Industrial and Provident Societies Act 1893.〔Voinea, Anca (ABCUL marks the 50th anniversary of the first credit union in Britain ) Co-operative News, 26 March 2014〕 In 1967, along with other West Indian credit unions, it formed the Credit Union League of Great Britain; this became the Association of British Credit Unions Limited in 1984.〔(50 years of credit unions in Britain ) Credit Union News, Vol. 16 No. 1, Association of British Credit Unions, March 2014〕 Wimbledon Credit Union was wound up in 2005.〔(Notice of Cancellation pursuant to section 16 of the Industrial and Provident Societies Act 1965 and section 2 (4) of the Credit Unions Act 1979 ) London Gazette, No. 57624, 26 April 2005〕
Hornsey (FIA) Co-operative Credit Union was authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA.〔(Notice of Cancellation pursuant to section 16 of the Industrial and Provident Societies Act 1965 and section 2 (4) of the Credit Unions Act 1979 ) London Gazette, No. 48550 (p. 3507), 11 March 1981〕 Ultimately, like the banks and building societies, members’ savings were protected against business failure by the Financial Services Compensation Scheme.〔(Your savings are protected – FSCS congratulates members celebrating 50 years of UK credit union movement ) Financial Services Compensation Scheme, Media Information, 22 February 2014〕
In 2012, with its dedicated volunteers and directors getting older, the board approached London Capital Credit Union with a view to merger.〔(Welcome to New Members in Hornsey ) London Capital Credit Union, Newsletter Issue 7, Winter/ Spring 2012/13〕 In 2013, after 49 years independent trading, the remaining 250 members of the credit union voted to transfer engagements to its larger neighbour.〔(Expanding Your Credit Union ) London Capital Credit Union, Newsletter Issue 8, Summer/ Autumn 2012/13〕〔Gruner, Peter (Credit union's 18-month fight to get its £60k out of Barclays ) Islington Tribune, 27 February 2015〕

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