Thank you Ruth

Our beloved social work student closed the doors on her placement today. She came to us in the middle of the Covid chaos – but despite this, she has approached every person, every task, every opportunity with love, curiosity and a wonderful instinct for how to keep people safe, how to make sure people feel comfortable and a really wicked sense of humour.

This is what she told us about her placement:

I have been immensely honoured to have had the opportunity to work with The Magpie Project.

Thank you for embracing and enriching me with the experience of impacting society, one family at a time!

My soul is richer with satisfaction for having been a part of the life-changing, opportunity-making, dignity-restoring, empowerment machine that is THE MAGPIE PROJECT!

You have all readily shared your knowledge with me, and I hold all I have learned dear to use now and in the future. Thank you for contributing towards my professional development. In many ways, I have developed as a person too, such as my capacity to empathise.

I am ever so glad to have started my practice journey with the Project as it enabled me to see need without any barriers and certainly to think of ways in which this need could be met. I am sure this training has enhanced my ability to think creatively regarding alternatives to service provision.

I have seen the resilience of the human spirit; that people may be bruised by their ordeals, yet believe that tomorrow will get better.
Ruth, Social Work Student

I’m convinced that the project plays a vital role in creating this belief; that you shine a beacon for all the mothers in your care, to trust in the possibility of positive change! That you empower these mothers to utilise their strengths; give them a voice!

Thank you for enabling me to be a participant in this great experience.

Bank Examples	Forms of Identity Needed
Metro Bank	Asylum seekers can apply for a cash account and/or savings account. This requires an Application Registration Card (ARC), proof of address and confirmation of asylum seekers support allowance or other income.
Lloyds	You can apply for a Classic Current account with a BRP, ARC or a Home Office Immigration Status document. Refugees and asylum seekers can apply for a ‘Classic current account’. This includes an arranged overdraft. Fees are charged if you go into your overdraft.
Nationwide	You can get a ‘FlexBasic account’ (basic bank account) and an ‘Instant Access saver’ (basic savings account). They accept BRP, ARC and Home Office Immigration Status document.
HSBC	You cannot open a bank account if you are from outside the EU. They accept BRP but NOT ARC. They accept BRP but NOT ARC.
Monzo	Refugees can open a current account with a BRP and their UK address. However, Monzo do not accept ARC. You can get your benefits or salary (depending on your employer) paid into your Monzo account 1 day earlier.

Saves Time	Make sure there is enough money in your account when the direct debit or standing order will be taken. If there is not enough money, you could be charged extra by the bank.
You don’t need to remember to pay a bill	You must remember to cancel standing orders when you want to stop paying someone regularly.
You will get money back for any incorrect payments for direct debits only.	Sometimes you might think you are setting up a direct debit, but it is actually a recurring payment or continuous payment authority (CPA). Be careful if companies ask for the long number on your card instead of your sort code and account number. This will mean they can take money whenever they think they are owed.
You can cancel a direct debit or a standing order at any time through your online banking account or by contacting your bank.


Magpie Mums say: “Always use direct debits if you can, so you don’t forget to pay and are charged. If you can’t use direct debits, make sure you put the dates when you’re supposed to make payments in your phone calendar.” “I’m used to it. It’s easy on the phone. I try to avoid going to banks.”

Account number	A 10-12 digit number given to your bank account. You can find your account number on your online banking page or on bank statements.
Card Number	A 16-digit number with that is found on the front of your debit/credit card.
Credit Card	A credit card doesn’t spend your money. It spends the bank’s money and you must pay it back. This means you can spend more than is in your account, but you might be charged extra for doing this, especially if you are late paying the bank.
Credit Score	A number that records how likely you are to repay your debts. High credit scores are better as it means financial products such as overdrafts and credit cards cost less.
Debit Card	A debit card is a card that lets you take out money from ATMs and make payments in stores or online from your account.
Financial Service Compensation Scheme (FSCS)	An organisation set up to protect the money you put in bank accounts. If you have a current or basic account, the FSCS will pay you up to £85,000 if your bank goes bankrupt.
National Insurance Number (NI)	The number makes sure that the National Insurance contributions and tax you pay are properly recorded on your account. It also acts as a reference number for the whole social security system.
Overdraft	An amount of money you can spend even when you have no money in your account. It is like a small loan from your bank. Overdrafts are often not free, so you need to be very aware what the costs are before using one.
Personal Identification Number (PIN)	A PIN is a 4-digit number that is given to you with a debit card. This is used when taking out money from ATMs or when making in-store purchases with your card. Never share your PIN with anyone as it could be used to commit fraud.
Security Code	A 3-4 digit number found on the back of your debit/credit card in the signature section. This number will be required for nearly all online payments. The code provides an extra layer of security to safeguard you from fraud.
Sort Code	A 6-digit number that is used to identify your bank. You can find your sort code on your online banking platform, on bank statements or on your debit card.
Standing Order	When a fixed amount that you choose is paid from your account to another person or organisation. This is different from the direct debit as the amount that is paid is the same each time.

Saves time – you don’t need to remember to pay a bill.	You need to make sure there is enough money in your account when the direct debit or standing order will be taken. If there is not enough money, you could be charged extra by the bank.
You will get money back for any incorrect payments for direct debits only.	You must remember to cancel standing orders when you want to stop paying someone regularly.
You can cancel a direct debit or a standing order at any time through your online banking account or by contacting your bank.	Sometimes you might think you are setting up a direct debit, but it is actually a recurring payment or continuous payment authority (CPA). Be careful if companies ask for the long number on your card instead of your sort code and account number. This will mean they can take money whenever they think they are owed.

Thank you Ruth

Thank you for embracing and enriching me with the experience of impacting society, one family at a time!

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