Jump to content


  • Tweets

  • Posts

    • Apologies if this has already been covered elsewhere but I haven't found a direct answer so here's my question.   Both my daughter and my partner have today each received a Letter of Claim from NPS. Both refer to 'incidents' in 2017 - my daughter's in March and my partner's in April. I remember these only vaguely but can't remember what (if any) action we took.   I remember my partner's more clearly because in their PCN where they claimed she'd overstayed (Cross Street, Long Eaton) there was something drastically wrong with their 'evidence'. I can't remember exactly but either their stated times contradicted or -and this is more likely from conversation today - they only provided one photo which was of her car leaving but nothing showing her entering the car park.   I have a feeling my daughter just chose to ignore hers, based on 'urban myth' from friends.   So anyway, today - more than two years on - both suddenly receive these letters from NPS with the usual rhetoric. I want to make sure these are both managed appropriately so I'm not sure what to do next and would appreciate any advice. I'm also particularly interested to read elsewhere on this forum that another case from said car park was rejected by POPLA in May 2017 due to insufficient signage and lack of planning permission for the relevant equipment:     This being the case, the same would have to apply to both our cases since this rejected case occurred just weeks after both of ours.   Not sure how much bearing this may have but I'm hopeful and your advice will be both very welcome and much appreciated.        
    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
    • Sorry,  its regular outgoings of payments. It’s income related they’re on, not contribution based.  Mum and applicant were totally unaware of the rules in regards to deprivation of capital.   On income related ESA but claim housing benefit and council tax support.   He hasn’t came into a huge chunk of money. It’s been spent over a duration of four years. appointee’s livid, and worried that he’ll be homeless.  
  • Our picks

lionbait

Discharged Bankrupt in need of Business Bank Account

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3543 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi All,

 

I went bankrupt about 20 months ago so have been discharged for 8 months now.

After almost a year unemployed I have been offered a contract role :) and I would like to maximise my earnings by going as a limited company.

 

In order to do this I need a business bank account and was wondering if anyone knew who I could approach and if anyone had an account approved after discharge.

 

I have a Co-Op Cashminder personal account (which has been fine and I'm really happy with) so I'll approach them tomorrow in case they can help.

 

I have seen another post that recommended NatWest but I had significant debt with them at the time of bankruptcy so I feel uneasy about approaching them (although it'd probably be in their best interests to take my account on as it is a zero risk company)

 

Many thanks,

LB

Share this post


Link to post
Share on other sites

Thanks Yekrats and I'd love to use them as my current account is with them so instant on-line transfers etc...but I've called them and they have stopped taking new customers for the time being...:-x Some sort of issue with their on-line banking system, so they say.

Share this post


Link to post
Share on other sites

mm Strange a friend of mine who has just been declared bankrupt told me only yesterday that the Coop was the only bank who would let him have an account as he's now on salary paye etc and needed a bank for his wages to go in

Share this post


Link to post
Share on other sites

Yeah, I have a personal account with Co-Op and did get it before I was discharged. They've been really good, for me. Hence I though it'd be a good idea to get the business account with them (also because I could do instant on-line transfers between business and personal accounts) But they wouldn't let me open one and their web-site says that the account is temporarily unavailable.

 

The Co-operative Bank | Business Directplus

 

Maybe worth asking them how long it'll be unavailable for.

Share this post


Link to post
Share on other sites

sorry to hear that I wish you all the best Remember u r an honest guy victim of the current downturn caused by the Government and not a criminal

May u resolve your problems and emerge stronger and wiser

Share this post


Link to post
Share on other sites

Thanks Yekrats...I have a meeting with my local Barclays branch on Tuesday....hope they can help.

Share this post


Link to post
Share on other sites
Thanks Yekrats...I have a meeting with my local Barclays branch on Tuesday....hope they can help.

 

I'd avoid Barclays like the plague.

 

Cheers,

BRW

Share this post


Link to post
Share on other sites

Yes Barclays have proved themselves to be far more interested in THEM making money from YOU than anything else.

 

I was told about a Business foundation account that has been arranged between Inbiz (A thing set up between the Gov to help new businesses) and Lloyds.

I was told that the only criteria is that you are not currently bankrupt and do not owe Lloyds banking group any money.

Worth a try I guess-you can find info on InBiz - Supporting Start-ups, Micro-Businesses and SMEs

 

Good luck.


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.

 

 

Share this post


Link to post
Share on other sites

I will move your thread to the Business bank forums where you may get other pointers.


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.

 

 

Share this post


Link to post
Share on other sites

Many thanks Martin...I had not found the Business Account section...d'oh.

 

I used to owe Lloyds money. They sold my debt to a debt collection agency a few years ago so I'm not sure how they will feel about me. :confused:

 

I'll look into the Ibiz and Lloyds account...thanks again

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...