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Question: 10.7. On a delayed completion, when and how is advance to be returned?

Lender Answer
Accord Buy to Let Return the funds electronically to our bank account within one working day of completion date in Certificate.
Details of our bank are:
Bank: National Westminster
Bank Plc
Branch: Bradford Network,
contact number 0870
240 3366
Sort Code: 56-00-36
Account No: 29562805
If not returned as above, or you do not quote corrrectly the borrower's name and account number, interest will be charged.
Accord Mortgages Ltd Return the funds electronically to our bank account within one working day of completion date in Certificate.
Details of our bank are:
Bank: National Westminster Bank Plc
Branch: City Centre, Bradford
Sort Code: 56-00-36
Account No: 28512162

If not returned as above, or you do not quote correctly the borrower's name and account number, interest will be charged.
Adam & Company Within 1 working day. Money to be returned by CHAPs.

Adam & Company International Within 1 working day. Money to be returned by CHAPs.

Ahli United Bank (UK) plc By Chaps to:
Ahli United Bank (UK) Plc,
35 Portman Square,
London W1H 6LR
Sort Code: 30-19-01
Account number 01019465
Reference: Borrowers name and account number if known.
Aldermore Bank PLC Return funds electronically to our bank account within 3 working days. Our bank details are:

Barclays Bank PLC
Sort Code: 20-19-90
Account No: 00103578
Allied Irish Bank (GB), a trading name of AIB Group (UK) Within 48 hours. Refer to AIB Group (UK) plc, Central Securities (GB)
Atom Bank plc Return funds (including any cashback element) electronically within one day, subject to 10.10.

Funds must be returned via Faster Payments or CHAPS, quoting the borrower’s name and account number, to:

Sort code: 60-00-01,
Account number: 48540870
Account name: Atom Bank PLC – Phoebus Cash

Please notify Mortgage Completions Team that funds are being returned.
Aviva Equity Release UK Ltd Electronically if completion is delayed by more than 2 days.
Bank of Ireland (UK) plc No later than 1 working day after the date originally planned for completion (unless we agree otherwise). We require the advance to be returned by telegraphic transfer to the bank account specified on the second page of the Certificate of Title. Please quote the mortgage account number. It would be helpful if you could advise us of any revised completion date.
Bank of Ireland as Bank of Ireland Mortgages No later than 1 working day after the date originally planned for completion (unless we agree otherwise). We require the advance to be returned by telegraphic transfer to the bank account specified on the second page of the Certificate of Title. Please quote the mortgage account number. It would be helpful if you could advise us of any revised completion date.
Bank of Scotland Beginning A The full amount of the mortgage advance as shown on the mortgage offer must be returned electronically, you must not deduct any charges as this can result in a delay for your client:

Where the mortgage roll/account number begins with 70/, within 1 working day and transmitted to sort code 30-15-99, account number 00579601.

If funds are not returned promptly within the timescales above this can result in the customer incurring charges and interest on their mortgage account.

In all cases you should quote the mortgage roll/account number and the appropriate reason for return code:

• RAD – Returned Advance
• FADV – Returned further advance
• DUP – duplicate funds received in error.

Where the mortgage roll/account number begins with A/, within 1 working day and transmitted to sort code 11-03-87, account number 99917573.
Bank of Scotland Beginning O The full amount of the mortgage advance as shown on the mortgage offer must be returned electronically, you must not deduct any charges as this can result in a delay for your client:

Where the mortgage roll/account number begins with 70/, within 1 working day and transmitted to sort code 30-15-99, account number 00579601.

If funds are not returned promptly within the timescales above this can result in the customer incurring charges and interest on their mortgage account.

In all cases you should quote the mortgage roll/account number and the appropriate reason for return code:

• RAD – Returned Advance
• FADV – Returned further advance
• DUP – duplicate funds received in error.

Where the mortgage roll/account number begins with A/, within 1 working day and transmitted to sort code 11-03-87, account number 99917573.
Barclays Bank UK PLC The full advance should be returned electronically after 48 hours
Barnsley Building Soc, a trading name Yorkshire Building Soc Return the funds electronically to our bank account within one working day of completion date in Certificate. Details of our bank are:
Bank: National Westminster Bank Plc
Branch: 26 Market Hill, Barnsley S70 2UQ
Sort Code: 51-61-35
Account No: 02523574

If not returned as above, or you do not quote correctly the borrower's name and account number, interest will be charged.
Birmingham Midshires The full amount of the mortgage advance as shown on the mortgage offer must be returned electronically, you must not deduct any charges as this can result in a delay for your client.

Within 1 working day, the funds should be transmitted to Lloyds Bank, sort code 30-02-50, account number 04968773.

If funds are not returned promptly within the timescales above this can result in the customer incurring charges and interest on their mortgage account.

In all cases you should quote the mortgage roll/account number and the appropriate reason for return code:

• RAD – Returned advance
• FADV – Returned further advance
Bluestone Mortgages The next business day after issue, by CHAPS.
Bradford & Bingley Plc If completion is to be delayed for more than 5 working days you must return the advance by CHAPS to National Westminster Bank plc, 143 Main Street, Bingley, Bradford, West Yorkshire, BD16 1YH Sort Code 51-70-19 Account Number 80010210. Please quote reference 'code' and the mortgage account number. We must be notified by telephone and fax.
Britannia, a trading name of The Co-operative Bank plc Please refer to the covering letter sent with the mortgage offer for specific details
Buckinghamshire Building Society At the earliest possible opportunity to
Barclays
Sort Code 20-01-72
Account Number 20224448
Capital Home Loans If completion does not take place within one working day of funds being received by you, you must contact our Completions Dept for further instructions. If completion has not taken place within 7 days, they should be returned by telegraphic transfer to Barclays Bank, Broadgate Branch, Sort code 20-19-90, Account Number 40336246
Chelsea Building Society (a trading name of Yorkshire BS) Return the funds electronically to our bank account within one working day of completion date in Certificate.
Details of our bank are:
Bank: National Westminster Bank Plc
Branch: City Centre, Bradford
Sort Code: 56-00-36
Account No: 29538556

If not returned as above, or you do not quote correctly the borrower's name and account number, interest will be charged.
Clydesdale Bank plc Electronically without any deduction and within 5 working days of the original completion date unless we agree otherwise in writing.
Co-operative Bank plc To the Co-operative Bank Mortgage Unit by CHAPS and within one working day.
Coutts Within 1 working day. Money to be returned by CHAPs.
Coutts Finance Co Within 1 working day. Money to be returned by CHAPs.
Coventry Building Society Please refer to the covering letter sent with each set of instructions.
Cynergy Bank Electronically. The next working day.
Darlington Building Society If delay is less than 7 days retain funds. If delay is more than 7 days funds to be returned by EFT immediately and confirmed by telephone and provide written confirmation by fax or e-mail.
DB UK Bank Ltd Within 5 working days, by CHAPS
Dudley Building Society If completion is delayed for more than 5 working days, or will not occur at all, you must return the advance by the same method as received.
Earl Shilton Building Society By electronic means but see 10.10 below
Ecology Building Society Within 3 days - posted to the Mortgage Department, as in 1.7
Family Building Soc (a trading name of National Counties BS) Within 3 working days, by CHAPS to: HSBC, 54 High Street, Epsom, Surrey KT19 8DS Sort Code: 40-53-36
Fleet Mortgages Electronically, within 24 hours, quoting the borrowers name and account number.
Foundation Home Loans The advance should be returned immediately to the account from which it came.
Furness Building Society Within one working day by CHAPS to National Westminster Bank PLC, sort code 01-00-61, account 88824837, quoting mortgage account number and customer name.
GE Money Home Lending Ltd GE Money Home Lending has withdrawn from the UK mortgage market.
Godiva Mortgages Ltd Please refer to the covering letter sent with each set of instructions.
Habito You must hold funds no longer than 48 hours after receipt of funds. Should funds need to be returned please contact our Underwriting Team on 0330 223 0956 and return funds electronically to the Bank Account where proceeds were sent initially by Habito. Please provide the Application Number or Borrowers Surname as a reference
Halifax The full amount of the mortgage advance as shown on the mortgage offer must be returned electronically, you must not deduct any charges as this can result in a delay for your client.

Within 1 working day, the funds should be transmitted to sort code 30-15-99, account number 00579601.

If funds are not returned promptly within the timescales above this can result in the customer incurring charges and interest on their mortgage account.

In all cases you should quote the mortgage roll/account number and the appropriate reason for return code:

• RAD – Returned advance
• FADV – Returned further advance
Halifax Loans Ltd Within 5 working days, by cheque to Completions, Trinity Road, Halifax, HX1 2RG (quoting our reference TR/3?MO/COMP, the borrower's surname and initials and the mortgage roll number.)
Hampden & Co. plc Within 1 working day. Advance to be returned by CHAPs.
Handelsbanken Please contact Branch office instructing you for further instructions and to discuss case. Advances to be returned by CHAPS payment to instructing branch, quoting borrower’s name and mortgage account number as reference.
Harpenden Building Society Within 3 working days by CHAPs
Hinckley and Rugby Building Society By the quickest practicable means to avoid interest charges.
Hodge Equity Release You should notify us immediately and return the funds no later than 1 working day after the date originally planned for completion (unless we agree otherwise). We require the advance to be returned by telegraphic transfer to the bank account specified on the Certificate of Title. Please quote the mortgage account number. It would be helpful if you could advise us of any revised completion date.
Hodge Life You should notify us immediately and return the funds no later than 1 working day after the date originally planned for completion (unless we agree otherwise). We require the advance to be returned by telegraphic transfer to the bank account specified on the Certificate of Title. Please quote the mortgage account number. It would be helpful if you could advise us of any revised completion date.
Holmesdale Building Society Individually assessed but should be notified and returned to lender immediately.
HSBC UK Bank plc The advance must be returned by CHAPS within three working days of receipt. You must not make any deductions. You must quote the mortgage sortcode and account number. Please refer to section 18.2 of our Mortgage Lending Instructions and Guidance Notes (which can be accessed as per 1.11a) for the specific destination sort code and account number the funds will need to be returned to. Please note the destination sort code and account number is dependent on the third and fourth digit of the mortgage sortcode.
Intelligent Finance Within 7 days, by CHAPS to Sort Code 11-91-20 Account no. 00000000 quoting the borrower's surname and initials and the Intelligent Finance plan number and jar name.
Investec Bank plc You must advise the Bank if there is any delay in completion (and the anticipated time until actual completion) and ensure that there are suitable arrangements in place to ensure that the Bank is able to immediately reclaim the funds in the event that the transaction does not complete or there are delays unacceptable to the Bank.
ITL Mortgages Please refer to the covering letter sent with each set of instructions.
JPMorgan Chase Bank, N.A. Within 24 hours by CHAPS, full details of the bank account will be given by the office issuing Mortgage Instructions.
Kensington Mortgage Company Ltd If Completion does not occur within 5 Business Days, all completion monies must be returned electronically. If possible, please inform us of the revised completion date when returning the completion monies. If you have been charged a fee for the funds to be released, this amount must not be deducted from the returned completion monies and the full advance amount must be returned to us. The borrower will be responsible for all charges (including any charge imposed on Kensington by Kensington's bank) in relation to the returned funds. Kensington is currently charged £4.95 to credit funds to its account (although this fee may vary from time to time). You must ensure that the returned funds cover all such charges such that we receive the full amount of the loan advanced when the funds are returned. Any queries please contact the New Business Operations Centre on Tel: 03444 990011.
Kent Reliance (a trading name of OneSavings Bank plc) within 5 working days by method received
Keystone Property Finance The advance should be returned electronically immediately to the account from which it came. Please ensure the borrowers name and mortgage account numbers are quoted
Landbay The advance monies should be returned immediately - or Landbay advised why this is not the case
Landmark Mortgages Limited Funds must be returned immediately if completion is to be delayed. Funds should be returned by telegraphic transfer to:
Bank: NatWest
Account Name: Landmark Mortgages Limited
Sort Code: 51-70-19
Account Number: 80140262
(please also quote the mortgage application number in the Payee field).
Leeds Building Society If completion is delayed for more than one (1) working day, or will not occur at all, you must return the funds by CHAPS to the Society’s Bank account. Details are:
HSBC
Sort Code: 40-64-38
Account Number: First 8 digits of the Mortgage Application Number
You must notify us of the number of days that completion has been delayed and correctly quote the borrowers name and account number. You will be liable for accrued interest from the date of transfer of funds if funds are not returned after 1 day.
Legal & General Home Finance Ltd Same as 1.11a
LendInvest Electronically, within 48 hours, quoting the borrowers name and account number.
Lloyds Bank plc pre fixed 20/40 The full amount of the mortgage advance as shown on the mortgage offer must be returned electronically, you must not deduct any charges as this can result in a delay for your client:

Where the mortgage roll/account number begins with 40/, within 1 working day and transmitted to sort code 30-15-99, account number 00578907.

If funds are not returned promptly within the timescales above this can result in the customer incurring charges and interest on their mortgage account.

In all cases you should quote the mortgage roll/account number and the appropriate reason for return code:

• RAD – Returned Advance
• FADV – Returned further advance
• DUP – duplicate funds received in error.
Lloyds Bank plc pre fixed 50/30/77 Not Applicable funds to be returned by customer as a capital repayment
Lloyds TSB Scotland plc After a delay of 1 working day, by CHAPS without deduction to:
Lloyds TSB Scotland plc
City Office
PO Box 72
Bailey Drive
Gillingham Business Park
Gillingham
ME8 0LS
Sort Code: 30-00-02
Account Number: 00934459
Payee Name: Lloyds TSB Scotland PLC Mortgage Advances Fundflow Account.
Please quote "RAD/" followed by the account number on the Mortgage Loan Agreement. When you are ready to complete, please contact Mortgage Processing and give at least 2 working days notice of the new date.
M&S Bank The advance must be returned by CHAPS within three working days of receipt, to:
Sort code 40-01-06
Bank account number 92737019
You must not make any deductions. You must quote the mortgage account number.
Magellan Homeloans If completion is delayed by more than 1 day from the anticipated completion date, the funds must be returned immediately, electronically quoting our reference and to the account from which the funds were drawn. If in doubt please contact us.
Manchester Building Society After 48 hours by same day electronic transfer (without deduction)
Market Harborough Building Society Within 3 working days to:
Barclays Bank plc
South Leicestershire Group
Sort Code 20-49-08
Account Number 70608386
Payee MHBS, client name, mortgage account number
Masthaven Bank The next business day after issue, by CHAPS.
Metro Bank plc Return funds electronically within one working day of completion.
Molo Finance Buy to Let Mortgages You should contact us as per 1.11a and we will provide you with the relevant bank details.
By CHAPS within one working day of delay. Please ensure that the borrower’s name and mortgage account number are quoted.
Monmouthshire Building Society You must return the funds within three working days of funds release if completion is delayed:

Details are:
Barclays
Sort Code: 20-18-15
Account Number: 93331725

You will be liable for accrued interest from the date of transfer of funds if funds are not returned as per the above timescale.
Mortgage Agency Services within 5 days via CHAPS
Mortgage Express If completion is to be delayed for more than 5 working days you must return the advance by CHAPS to National Westminster Bank PLC, 143 Main Street, Bingley, Bradford, West Yorkshire BD16 1YH Sort Code 51-70-19 Account Mortgage Express Account No. 80010237
Mortgage Express No 2  
National Counties Building Society Within 3 working days, by CHAPS to: HSBC, 54 High Street, Epsom, Surrey KT19 8DS Sort Code: 40-53-36.
National Westminster Bank plc Mortgage Centre, By CHAPS within one working day of receipt to sort code 60 06 57 account No 98090135 to arrive no later than the working day following the scheduled completion date. You must ensure all funds released to you, including the funds in respect of payment of your conveyancers fees are returned with the mortgage advance if completion is delayed.

Offset Flexible Mortgage -
NatWest Offset Completions Team, Amsterdam Place, Amsterdam Way, Norwich, NR6 6JA.
Telephone: 0345 300 4012
Fax: 0845 366 0498
Nationwide Building Society If completion is delayed for more than 3 working days (unless we agree to longer), or will not occur at all, you must return the advance by the same method as received. Any interest accrued must be returned by cheque payable to Nationwide Building Society.

Please do not return funds by Faster Payment.

To return by BACS (Standard method of releasing advances) please use the following details:
Sort code – 07 01 16
Account – 00 002 147

To return by CHAPS please use the following details:
Sort code – 07 00 94
Account – 44 444 445

Please ensure to notify the Service Centre processing the mortgage application that the funds have been returned, including in the applicants' name and account number.

If completion is delayed beyond the offer expiry date, we will allow the mortgage to proceed on the original offer terms provided completion takes place within 15 days of the original offer expiry date.
Nedbank Private Wealth Ltd If completion is delayed by more than 2 working days then you must refer to us for instructions on what to do with the funds released to you.
New Street Mortgages If completion does not occur within 3 business days, all completion monies must be returned electronically. The full advance must be returned to us, including any fees that may have been deducted. You must also notify us in writing at New Street Mortgages, PO Box 4761, Maidenhead, SL60 1HW. Tel: 0333-300-3100, Fax: 0333-300-3132, email: enquiries@newstreetmortgages.com
NRAM Ltd  
Paragon Buy to Let Mortgages By CHAPS within one working day of delay to the bank detailed on the offer. Please ensure that the borrower’s name and mortgage account number are quoted.
Paragon Residential Owner-Occupied Mortgages By CHAPS within one working day of delay to the bank detailed below. Please ensure that the Borrowers' name and mortgage account number are quoted:- NatWest, High Street, Solihull. Paragon Bank PLC Completion Account, sort code 55-50-15; Account Number 59506946.
Paratus AMC Ltd The advance should be returned immediately to the account from which it came.
Parity Trust Within 3 days to 1.7
Pepper Money If completion does not occur within 48 hours, the advance should be returned electronically to Pepper Money.
Pepper Money (PUK) If completion does not occur within 48 hours, the advance should be returned electronically to Pepper Money.
Platform (a trading name of The Co-operative Bank p.l.c.) Within 3 working days by CHAPS, full details of the bank account will be given by the office issuing Mortgage Instructions.
Precise Mortgages (Charter Court Financial Services Ltd) Immediately and by CHAPS to the account from where the funds were sent as advised by your bank. Notification of the amount being returned together with the mortgage reference number should also be sent to completions@precisemortgages.co.uk & backoffice@chartercourtfs.co.uk
Principality Building Society You may hold the advance monies for up to 48 Hours. After this time the advance monies must be returned to us electronically by CHAPS.
If completion is delayed beyond the Offer expiry date, we will allow the mortgage to proceed on the original offer terms provided completion takes place within 30 days of the original offer expiry date. We must be notified by you if the matter is expected to proceed.
Rooftop Mortgages Ltd Full details of the bank account will be given by the office issuing the Mortgage instructions.
Saffron Building Society Please advise to 1.11 immediately
Return funds electronically to our bank account within 3 working days. Our bank details are :

Barclays Bank plc
Sort Code :20-74-05
Account no: 40939714
Sainsbury's Bank If completion is delayed, or going to be delayed, by more than 5 working days from the completion date given in your certificate of Title, the advance should be returned by same day CHAPS transfer (without deduction) to the following account: sort code 40-02-50 account number 11371266. Please also quote the customer’s mortgage account number with the transfer and the Sainsbury’s Bank Reference as notified in the remittance advice.
Santander UK plc Refer to our Certificate of Title for all administrative arrangements.
Scottish Building Society Funds should be returned electronically to the Society's bank account as soon as it is know that settlement will be delayed.
Scottish Widows Bank Within two business days after proposed completion date by CHAPS without deduction to:-
Lloyds Bank plc
Sort Code:- 30-18-05
Account Number:- 00009152
Payee Name:- Scottish Widows Bank
Please quote reference:- client surname
Secure Trust Bank PLC Return funds electronically to our bank account within 3 working days. Our bank details are:

Secure Trust Bank PLC
Sort Code: 20 07 82
Account No: 73674681
Skipton Building Society By CHAPS to Barclays Bank plc Skipton, Sort Code 20-78-91, Account No 70798924, quoting the borrowers name and account number. Please notify the Completions Team that funds are being returned.
St James Place Bank Within 7 days, by CHAPS to sort code 11-91-24 acc.no. 00000000(quoting the borrower's surname and initials ans the St.James'Place Bank account reference number and facility name).
State Bank of India UK Within 2 working days – electronically
Please ensure that the borrowers name and application number are quoted.
Swansea Building Society Within 7 days by method received.
Tesco Bank (a trading name of Tesco Personal Finance plc) If completion is delayed, or going to be delayed, by more than 5 working days from the completion date given in your Certificate of Title, the full advance (including any element of cashback), should be returned by CHAPS transfer (without deduction) to the following account – sort code 40-02-50, account number 01315927. Please also quote the customer’s mortgage account number with the transfer and the TB Ref. as notified in the remittance advice.
The Mortgage Business All completion monies must be returned electronically within 5 working days to sort code 11-03-87, account number 99917573, quoting the mortgage roll number and reason for return code:- DCP - Delayed Completion: NCO - Advance not going ahead: GEN - Any other returned funds. If the return code is GEN please notify the reason for return to Completions Department, Mortgage Services, Trinity Road, HX1 2RG. Fax no. Fax no. 0845 1221034 Phone no. 0345 1207784. Please note, the full advance as shown on the mortgage offer must be returned.
The Mortgage Lender Limited Electronically, within 24 hours, quoting the borrowers name and account number.
The Mortgage Works Within 3 working days - electronically
The Royal Bank of Scotland plc Mortgage Centre - By CHAPS quoting Sorting Code Number 830500 and Account Number 98090165 to arrive no later than the working day following the scheduled completion date. You must ensure all funds released to you, including the funds in respect of your conveyancers fees are returned with the mortgage advance if completion is delayed.

Offset Flexible Mortgage - RBS Offset Completions Team, Amsterdam Place, Amsterdam Way, Norwich, NR6 6JA. Telephone: 0345 300 4013
Fax: 0845 366 0498
The Royal Bank of Scotland plc Direct Line Mortgages By CHAPS quoting Sort Code 16 60 53 and Account Number 98000225 to arrive at Direct Line not later than the working day following the scheduled completion date.
The Royal Bank of Scotland plc Direct Line One By CHAPS quoting Sort Code 16 60 51 and Account Number 98000239 to arrive at The One account, Norwich not later than the working day following the scheduled completion date.
The Royal Bank of Scotland plc First Active By CHAPS quoting Sort Code 16 32 85 and Account Number 98090055 to arrive at First Active not later than the working day following the scheduled completion date.
The Royal Bank of Scotland plc Natwest one Account By CHAPS quoting Sort Code 16 60 50 and Account Number 98000266 or Sort Code 16 60 51 and Account Number 98000301 to arrive at The One account, Norwich not later than the working day following the scheduled completion date.
You should send the payment to the same Sort Code as the client's NatWest One account sortcode.
The Royal Bank of Scotland plc One Account By CHAPS quoting Sort Code 16 60 50 and Account Number 98000266 or Sort Code 16 60 51 and Account Number 98000301 to arrive at The One account, Norwich not later than the working day following the scheduled completion date.
You should send the payment to the same Sort Code as the client's One account sortcode.
The Royal Bank of Scotland plc Virgin One By CHAPS quoting Sort Code 16 60 50 and Account Number 98000266 or Sort Code 16 60 51 and Account Number 98000301 to arrive at Virgin One, Norwich not later than the working day following the scheduled completion date.
You should send the payment to the same Sort Code as the client's Virgin One account sortcode.
The Tipton & Coseley Building Society Refer individual case to Administration Department.
Together Personal Finance Limited After three working days, the advance must be returned electronically without deduction.
Topaz Finance Ltd If funds have been issued by CHAPS the next working day after issue. Otherwise within 10 days by cheque.
TSB Bank plc If the Mortgage Reference Number for the case begins with M53
After a delay of 1 working day by chaps without deduction to:
TSB Bank PLC
Sort Code: 30-28-86
Account Number: 90000099
Payee Name: TSB Bank PLC
Please quote /RFB/ followed by the Mortgage Reference number in the Mortgage Offer. When you are ready to complete, please contact Mortgage Processing and give at least 2 working days notice of the new date.
Ulster Bank Ltd By CHAPS quoting Sorting Code Number 600658 and Account Number 98090097 to arrive no later than the working day following the scheduled completion date. You must ensure all funds released to you, including the funds in respect of payment of your conveyancers fees are returned with the mortgage advance if completion is delayed.
Vida Homeloans If Completion does not occur within 3 Business Days, all completion monies must be returned electronically. If possible, please inform us of the revised completion date when returning the completion monies. If you have been charged a fee for the funds to be released, this amount must not be deducted from the returned completion monies and the full advance amount must be returned to us. The borrower will be responsible for all charges (including any charge imposed on Vida Homeloans by Vida Homeloan's bank) in relation to the returned funds. You must ensure that the returned funds cover all such charges such that we receive the full amount of the loan advanced when the funds are returned. Any queries please contact the address/number on the mortgage offer. The completion monies are to be returned to account from which they were received.
Virgin Money Funds need to be returned if completion hasn't taken place within 24 hours of the completion date quoted in your certificate of title.

Funds should be returned to us by CHAPS to:
HSBC Bank plc
Account Name: Virgin Money plc Delayed Completions
Sort Code: 40-63-98
Account Number: 81333410
(please also quote the mortgage application number in the Payee field).
Whistletree (a trading name of TSB Bank plc) Funds must be returned immediately if completion is to be delayed. Funds should be returned by telegraphic transfer to:

For Whistletree (UKAR Legacy);
Bank: NatWest
Account Number 80142710
Sort Code 51-70-19
Reference: Port

For Whistletree (Airdrie Savings Bank Legacy);
Bank: NatWest
Account Number 80149790
Sort Code 51-70-19
Reference: Port


Yorkshire Bank Home Loans Ltd Electronically without any deduction and within 5 working days of the original completion date unless we agree otherwise in writing.
Yorkshire Building Society Return the funds electronically to our bank account within one working day of completion date in Certificate. Details of our bank are:
Bank: National Westminster Bank Plc
Branch: City Centre, Bradford
Sort Code: 56-00-36
Account No: 78735173
If not returned as above or you do not quote correctly the borrower's name and account number, interest will be charged.
Zephyr Mortgages The next working day after issue. By CHAPS.