Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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  2. #2
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    Default Re: how to open a private bank?

    Go to the the shop and buy a Piggy Bank


  3. #3
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    Default Re: how to open a private bank?

    Quote Originally Posted by PGH7447 View Post
    Go to the the shop and buy a Piggy Bank
    Funny!

    No, i meant something a bit bigger.


  4. #4
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    Default Re: how to open a private bank?

    A private institution that provides 'ethical' banking compliant with a particular community's needs, maybe like a co-operative with all members owning a part.

    This can then provide a small range of services such as current account, savings account, mortgages etc. and use the existing network of a high street bank such as Lloydsicon or HSBCicon. This is the way another bank launched some years ago was opened.

    I'm not cookie about this, i'm serious.


  5. #5
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    Default Re: how to open a private bank?

    Sorry could'nt resist!!

    Good question though,

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  6. #6
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    Default Re: how to open a private bank?

    didnt some communites set up a type of bank not so long ago, or was that just a loan type thing, where they paid in a\ certain amount and was then able to borrow against it?

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  7. #7
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    Default Re: how to open a private bank?

    OFFSHORE BANK LICENSE

    Dont know if this is relevant


  8. #8
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    Default Re: how to open a private bank?

    Quote Originally Posted by PGH7447 View Post
    Sorry could'nt resist!!
    I know, i didn't take offence. But i (and the people i have) need something a bit bigger.


  9. #9
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    Default Re: how to open a private bank?

    Quote Originally Posted by PGH7447 View Post
    OFFSHORE BANK LICENSE

    Dont know if this is relevant
    I'm looking for within UK using an existing network (it is possible).


  10. #10
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    Default Re: how to open a private bank?

    I once read a article about a guy who got tired of his bank and started his own one. He was filthy rich though. I think the liquidity requirements might be a issue.

    Just some guy. I try to help, but all advice is my opinion.

  11. #11
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    Default Re: how to open a private bank?

    Quote Originally Posted by mnrbig View Post
    I think the liquidity requirements might be a issue.
    No, it's not a problem.


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    Default Re: how to open a private bank?


  13. #13
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    Default Re: how to open a private bank?

    Quote Originally Posted by PGH7447 View Post
    Thanks, but it's US and Canadian.

    I'm here in the UK and this is for UK clients. It will take a long time to find all the info and i think it takes around 2 years to get a license from BoE.


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    Default Re: how to open a private bank?

    Quote Originally Posted by tifo View Post
    No, it's not a problem.
    You filthy rich then?:grin:

    Just some guy. I try to help, but all advice is my opinion.

  15. #15
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    Default Re: how to open a private bank?

    Quote Originally Posted by mnrbig View Post
    You filthy rich then?:grin:
    No, if i was i wouldn't be here fighting DCAicon's.

    A group of friends with some money have thrown the idea around and we are wondering how easy (or hard) it is?

    There would be a further round of financing after the initial stages.

    The options are :

    1. a credit union (may be too small)
    2. a mutual society (like a building society so a bank really)
    3. a friendly society (normally for insurance)
    4. a bank (preferred)

    all are regulated by legislation and the FSA.


  16. #16
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    Default Re: how to open a private bank?

    Just some guy. I try to help, but all advice is my opinion.

  17. #17
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    Default Re: how to open a private bank?

    yes, i know about Zopa ... it's a good concept.


  18. #18
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    Default Re: how to open a private bank?

    Hi,

    It used to be the Banking Act 1987 but that was replaced by the Financial Markets and Services Act 2000 that created the FSA.

    Basically, you need to write to the FSA and say, I'm a good person can I be a deposit taker please


  19. #19
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    Default Re: how to open a private bank?

    Quote Originally Posted by nicklea View Post
    Basically, you need to write to the FSA and say, I'm a good person can I be a deposit taker please
    Yes, in a simple way.

    I've contacted them as a Consumer Credit License as well as a banking license is needed anyway. The liquidity is £3m and it can take around 2 years to setup.


  20. #20
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    Default Re: how to open a private bank?

    Or, alternatively, set up a bank in one of the (supposedly) less strictly regulated east european countries and then apply to the FSA to open a branch here or conduct business on a cross border basis here.



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