Financial Services

Click on the links below to see the relevant offer:
 

Financial advice & services

Competitive savings and loan facilities

Cashback and discounts on online shopping

Support for members with financial difficulties

Tax refund service




Fiscale Financial Services Limited is the POA’s approved independent financial advisory firm. We have been approved by the POA for a number of years and throughout that period have helped and advised many members. You can therefore rest assured that we have member’s best interests at heart. We can help with a number of financial services:

  • Pensions: Advising and reviewing existing pension arrangements, eg. from previous employments
  • New investments: Providing advice on the right investments when facing redundancy and in retirement situations, eg. investments for income / investments for growth, etc.
  • Existing Investments: Reviewing existing investments e.g. Investment Bonds/ISA’s etc, to ensure charges are not excessive and that performance is satisfactory.
  • Personal Injury Claims: Advice on investing monies arising from personal injury claims.
  • Protection: Advice on family protection and coverage for mortgages, eg. Permanent Health Insurance policies (PHI), Mortgage Protection policies, Critical Illness policies, etc.
  • Mortgages & Equity Release: Finding the right mortgage or equity release scheme from the whole marketplace to suit your circumstances.

Contact us on 0845 463 4071 for your free no-obligation initial consultation.

Fiscale Financial Services Limited is authorised and regulated by the Financial Conduct Authority, FCA number 590737. Registered office: 20, Wesley Close, South Cave, Brough, HU15 2EJ. Registered in England & Wales, company number 06218216.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

EQUITY RELEASE MAY REQUIRE A LIFETIME MORTGAGE OR HOME REVERSION PLAN.

TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION.

For mortgages and equity release advice we typically charge a fee of £195 payable upon application.

  

Back to top



Prison CU

The POA is delighted to recommend Prison CU as a provider of competitive savings and loan facilities to POA members, retired members and employees.


 

Passionate about improving financial resilience.

Prison CU is a trading name of Police Credit Union, which currently serves over 30,000 members within the Police, Prison Service and Armed Forces. The Credit Union is passionate about improving the financial resilience of those who serve and protect.

There to help you save.

Prison CU helps employees of the Prison Service and members of the POA to prepare for the future, through a range of flexible saving accounts with repayments straight from their pay (where available), and by Direct Debit in other cases.

To join the Credit Union every member must save a minimum of £10 per month into a Regular Saver. It is completely free to join and members can change the amount they save at any time.

There if you need to borrow.

Prison CU is also there to help its members if they ever need a loan – providing an ethical alternative to other financial providers, with loan repayments straight from their pay.

Fixed Term Loans are available to Prison CU members looking to borrow between £500 and £25,000, payable over a repayment period of between 6 and 96 months. These are ideal for car purchases, home improvements, holidays and consolidating existing credit.

Join today for free.

For more information and to become a member of Prison CU, visit: www.prisoncu.co.uk

 

 
 


 
 


Get your card today & earn up to 6% cashback

Not a credit card or a debit card, the Union Prepaid Plus Card is a new kind of payment card.
Here’s how it works:

  1. Top-up: Top-up your card with money before you shop. You can only spend the money on your card, so there’s less chance of getting carried away.
  2. Shop: You can use your card at over 31 million retailers and outlets worldwide. Plus earn cashback when you spend at your favourite stores: * Sainsbury’s I M&S I Boots I Argos I B&Q I Domino’s Pizza And many more!
  3. Earn cashback: Your cashback is paid to your prepaid account each time you top-up. It’s that easy!

Apply FREE today at www.unionprepaid.co.uk **

*Range of brands, levels of discounts and cashback are subject to change.
** The Union Prepaid Plus Card is free to apply, you simply pay a monthly fee of £1.95. The first fee will be charged within 30 days of successful application. You must be a POA member to apply.

This card is issued by Clydesdale Bank PLC pursuant to license by MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Ltd is a registered Service Provider of Clydesdale Bank PLC. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

The Union Prepaid Plus card has been arranged for you by Union Income and Union Prepaid Plus. Union Prepaid Plus is a trading name of Union Income Limited (‘UI’). UI is registered in England and Wales. No. 06595562. Registered office: 5th Floor, 7/10 Chandos Street, London W1G 9DQ.

  

Back to top


 



The POA is working with the UK's leading debt management charity, StepChange Debt Charity, to provide practical help and support for members who may be experiencing financial difficulties in the current economic climate.



StepChange Debt Charity provides free debt help to over half a million people each year, they provide free, impartial and confidential debt advice, debt management plans (DMPs), welfare benefit checks, bankruptcy advice & support, IVA's, mortgage arrears support, equity release advice and debt relief order (DRO) applications.

 

The unique StepChange Debt Charity helpline number for POA members is 0800 1381111 available Monday to Friday 8am to 8pm, and Saturday 9am to 3pm. Or by using the Free online debt advice service StepChange Debt Remedy which is available 24 hours a day. The online process only take about 20 minutes to complete and is free and anonymous.

Back to top


taxrefundco.png

Dear Member

You may be entitled to a tax refund

As a member of The Prison Officers Association you are eligible to have your tax code checked by professional tax experts at The Tax Refund Company.

Very few members think they are owed a refund before they fill in the form. Most of those getting a refund were pleasantly surprised when a cheque arrived in the post.

As a member, we would like to give you the opportunity to take advantage of this excellent service.

If you wish to use the service, the main facts you need to know are:

  • If there is no tax refund you pay no fee. The service is entirely free of charge
  • For every £1 refunded, you keep 62p (minimum fee £38*)
  • YOU keep 100% of any future savings you make from a new tax code

To find out if you are due some money click here


This is your hard earned money. Why let The Revenue keep it?

* Where your refund is under £38, the fee will be reduced to the amount of the refund so you have nothing more to pay.


ANY QUESTIONS?
Call The Tax Refund Company Customer Service Team on
0161 968 7345 (Mon–Fri 9am–5pm)or see their FAQ’s at www.thetaxrefundcompany.co.uk/faqs

 

Back to top