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    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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How Can You Open A Business Account With No Credit Score


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Hi,

I have been trying to open a new business account but as my credit score is so bad all the high street banks have knocked me back. Does anyone know if you can open a business current account with building societies without being credit scored. I obvioulsy dont want to borrow just a place to put money and write cheques#

Thanks

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Cant help but I shall be checking back to see if anyone has any ideas.

 

We need a basic account, just for money in, money out, no OD, no chequebook etc.

 

We have tried all the usuals, RBS, Natwest, A&L but no luck :(

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  • 1 month later...

For anyone who has no dispute with the RBS group of companies Natwest offer a basic business account called...

The foundation business account, apparently it is guaranteed acceptance and run on the same terms as a personal basic bank account. However I have not applied and do not know what the charges are as I have dispute with them so its pointless.

Alot of caggers are in the same predicament as me so if you have no dispute with natwest and apply and are successful please post back for other caggers.

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For anyone who has no dispute with the RBS group of companies Natwest offer a basic business account called...

The foundation business account, apparently it is guaranteed acceptance and run on the same terms as a personal basic bank account. However I have not applied and do not know what the charges are as I have dispute with them so its pointless.

Alot of caggers are in the same predicament as me so if you have no dispute with natwest and apply and are successful please post back for other caggers.

 

I had no dispute with RBS group but was refused a foundation account with Natwest, so it definatley isnt guaranteed acceptance.

 

At the time of applying I had a step account with them which was being run satisfactorily.

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I had no dispute with RBS group but was refused a foundation account with Natwest, so it definatley isnt guaranteed acceptance.

 

At the time of applying I had a step account with them which was being run satisfactorily.

 

I should also say that my OH had an account with RBS (being run satisfactorily) and we were also refused RBS's foundation account.

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Hi Crockie,

Yes I found out today that the foundation account IS credit scored, so not much use.

Know any other way to get a basic business account?:

 

We are still looking but the lack of business account is now becoming a problem.

 

I have heard that Halifax do a Treasurers account which can be used for ltd companies, however this is a passbook account so no card or dd's.

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Crockie,

They dont credit score company directors and thats definite, when I went to see an old friend who works for HSBC he told me that was the way around it. However we are not a limited company so if your are you 'home and hosed' as they say

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Crockie,

They dont credit score company directors and thats definite, when I went to see an old friend who works for HSBC he told me that was the way around it. However we are not a limited company so if your are you 'home and hosed' as they say

 

We have been refused the foundation account, Natwest & RBS as a limited company and they have both done several credit checks on us personally :(

 

We thought that we would have a better chance of getting the business account if we were a ltd co, as we had heard that they cant credit check directors, however this hasn't proven to be the case.

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Go to HSBC and see the business advisor there, tell him your predicament and if he/she is okay they will tell you how to open the account as a limited company. My friend told me he could open the account no problem but being a limited company means audited accounts and other changes that would not suit our business.

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Hi Steve,

Nationwide and the CO-OP do not do basic 'business' accounts and apparently running a business through a personal account is 'frowned' upon. I have been advised however that the HMRC are not against a business running their financial affairs through a personal account and it is not against the law. However if anyone is considering doing this then they should open a totally separate account for transparency in case they are ever investigated.

The banks do not want business's running their finances through personal accounts has the majority do not charge for putting cash/chqs through which they do on a business account.

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Hi Exasperated just seen this thread.

I know of a Foundation account operated by Lloyds.

The criteria is that you dont owe the Lloyds banking group any money,and are not a discharged bankrupt.

I reported that assistance to get one of these can be through inbiz which is an organisation that helps new business start ups.

Well worth also you contacting your local chamber of trade -they can give you info free.Organisations such as these can pull strings with banks and its their business to get people up and running.

 

I will move your thread into the business bank forums.

The pros and cons of using a personal account have been discussed there many times.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Well we are talking of HBOS (Halifax Bank of Scotland) and subsidiary companies such as Black Horse Finance.

I have no doubt that you will get some response in this forum-not just on the account deciding issues-but any other business related question.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have a debt to HBOS so lloyds is not a bank who will do business with me. However I very much apprecaite the site team taking the time to answer my thread and resolve my isssues

Thanks Martin

Exasp

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  • 3 weeks later...
Crockie,

They dont credit score company directors and thats definite, when I went to see an old friend who works for HSBC he told me that was the way around it. However we are not a limited company so if your are you 'home and hosed' as they say

 

Sorry to tell you this is not true, I have all my accounts personal/mortgage/business with HSBC, I tried to open a new business account today (both our current company and new company are LTD and there are 2 directors - the same in each) and I was unable to due to bad personal credit of the directors. We have never had bad credit within any of our HSBC accounts.

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Hi Neeta,

I was sat in front of the business advisor in the branch where I live, I had told him my personal details and he told me that it was a waste of time trying to open a partnership account with HSBC. I assure you he told me that they only credit check the company not the directors as they are not liable as its a limited liability arrangement.

However as we are not a limited company I could not proceed down that route, so I cannot vouch for it personally. That said he wanted to open the account as we have an healthy business and everything else he told us was correct so I dont understand why he would give that advice knowing it would be rejected.

Thanks for your input.

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How annoying is it that things can be so different then at different branches of the same branch, my business advisor was adamant yesterday that there is nothing she could do, it's all automatic and after she'd put all my details through it was simply a case of 'computer says no' I find myself in a horrendous situation now with the potential of losing a massive contract because I can't open a new business bank account... p.s. wasn't saying you were fibbing was just adding my experience in, came to your thread in a desparate search for a way out of my problem.... am still searching :)

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I am in the same position i have signed contracts for my business but i cant open a business bank account anywhere as i have had a CCJ in the last 6 years, it is just so frustrating that no one will even entertain me, the only people who seem to think they can help are on the web who offer a garunteed business account service for a fee but i am reluctant to give money away.

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Neeta,

Start a thread everyone is here to help as I want to help you. If the comapny is clean you should be able to open an account.

Try another bank whom the company is not endebted to, preferably one which the directors have no connection.

Surely you will be okay......... any comments from anyone with experience please

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I am in the same position i have signed contracts for my business but i cant open a business bank account anywhere as i have had a CCJ in the last 6 years, it is just so frustrating that no one will even entertain me, the only people who seem to think they can help are on the web who offer a garunteed business account service for a fee but i am reluctant to give money away.

 

Welcome to CAG matrrx,

This is one issue I do not able to find a solution, unfortunately. Did you see site team member Martins comments about lloyds TSB have you tried that?

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Not sure about limited companies but its well worth also you contacting your local chamber of trade -they can give you info free.Organisations such as these who can pull strings with banks and its their business to get people up and running.

Their thousands of people like us who run succesful business but due to personal problems at home find their own financial affairs in ruin.

Let me know how you get on so we can advise other caggers

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