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    • Hi, we are looking to get some opinions on weather or not to bother fighting this PCN. This comes from a very big retail park parking where there are restaurants, hotel, amongst other businesses. Apparently there is a max 3 hours limit which we were not aware of. This means taking kids to softplay and then having a meal on one of the restaurants will more than likely take you over the limit. Makes us wonder how they deal with people staying in the hotel as the ANPR seems to be in public street that leads to the different parking areas including the hotel.  1 Date of the infringement 26/05/2024 2 Date on the NTK  31/05/2024 3 Date received 07/06/2024 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]  YES 5 Is there any photographic evidence of the event? Entry and exit photos however, based on the photographs we are almost sure the photos are taken on public street. This is the location I believe photos are taken from.  https://maps.app.goo.gl/eii8zSmFFhVZDRpbA 6 Have you appealed? [Y/N?] post up your appeal] No Have you had a response? [Y/N?] post it up N/A 7 Who is the parking company? UKPA. UK Parking Administration LTD 8. Where exactly [carpark name and town] The Colonnades, Croydon, CR0 4RQ For either option, does it say which appeals body they operate under. British Parking Association (BPA) Thanks in advance for any assistance.  UKPA PCN The Collonades-redacted.pdf
    • Thank you for posting their WS. If we start with the actual WS made by the director one would have doubts that they had even read PoFA let alone understood it. Point 10  we only have the word of the director that the contract has been extended. I should have had the corroboration of the Client. Point 12 The Judge HHJ Simkiss was not the usual Judge on motoring cases and his decisions on the necessity of contracts did not align with PoFA. In Schedule 4 [1[ it is quite clearly spelt out- “relevant contract” means a contract (including a contract arising only when the vehicle was parked on the relevant land) between the driver and a person who is—(a)the owner or occupier of the land; or (b authorised, under or  by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land; And the laughable piece of paper from the land owners cannot be described as a contract. I respectfully ask that the case be dismissed as there is no contract. WE do not even know what the parking regulations are which is really basic. It is respectfully asked that without a valid contract the case cannot continue. One would imagine that were there a valid contract it would have been produced.  So the contract that Bank has with the motorist must come from the landowner. Bank on their own cannot impose their own contract. How could a director of a parking company sign a Statement of Truth which included Point 11. Point 14. There is no offer of a contract at the entrance to the car park. Doubtful if it is even an offer to treat. The entrance sign sign does not comply with the IPC Code of Conduct nor is there any indication that ANPR cameras are in force. A major fault and breach of GDPR. Despite the lack of being offered a contract at the entrance [and how anyone could see what was offered by way of a contract in the car park is impossible owing to none of the signs in the WS being at all legible] payment was made for the car to park. A young person in the car made the payment. But before they did that, they helped an elderly lady to make her payment as she was having difficulty. After arranging payment for the lady the young lad made his payment right behind. Unfortunately he entered the old lady's number again rather than paying .for the car he was in. This can be confirmed by looking at the Allow List print out on page 25. The defendant's car arrived at 12.49 and at 12.51 and 12.52  there are two payments for the same vrm. This was also remarked on by the IPC adjudicator when the PCN was appealed.  So it is quite disgraceful that Bank have continued to pursue the Defendant knowing that it was a question of  entering the wrong vrm.  Point 21 The Defendant is not obliged to name the driver, they are only invited to do so under S9[2][e]. Also it is unreasonable to assume that the keeper is the driver. The Courts do not do that for good reason. The keeper in this case does not have a driving licence. Point 22. The Defendant DID make a further appeal which though it was also turned down their reply was very telling and should have led to the charge being dropped were the company not greedy and willing to pursue the Defendant regardless of the evidence they had in their own hands. Point 23 [111] it's a bit rich asking the Defendant to act justly and at proportionate cost while acting completely unjustly themselves and then adding an unlawful 70% on to the invoice. This  is despite PoFA S4[5] (5)The maximum sum which may be recovered from the keeper by virtue of the right conferred by this paragraph is the amount specified in the notice to keeper under paragraph 9[2][d].  Point 23 [1v] the Director can deny all he wants but the PCN does not comply with PoFA. S9 [2][a] states  (2)The notice must— (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The PCN only quotes the ANPR arrival and departure times which obviously includes a fair amount of driving between the two cameras. Plus the driver and passengers are a mixture of disabled and aged persons who require more time than just a young fit single driver to exit the car and later re enter. So the ANPR times cannot be the same as the required parking period as stipulated in the ACT. Moreover in S9[2][f]  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; You will note that in the PCN the words in parentheses are not included but at the start of Section 9 the word "must" is included. As there are two faults in the PCN it follows that Bank cannot pursue the keeper . And as the driver does not have a driving licence their case must fail on that alone. And that is not even taking into consideration that the payment was made. Point 23 [v] your company is wrong a payment was made. very difficult to prove a cash payment two weeks later when the PCN arrives. However the evidence was in your print out for anyone to see had they actually done due diligence prior to writing to the DVLA. Indeed as the Defendant had paid there was no reasonable cause to have applied for the keeper details. Point 24 the Defendant did not breach the contract. The PCN claimed the Defendant failed to make a payment when they had made a payment.   I haven't finished yet but that is something to start with
    • You don't appeal to anyone. You haven't' received a demand from a statutory body like the council, the police or the courts. It's just a dodgy cowboy company trying it on. You simply don't pay.  In the vast majority of these cases the company deforest the Amazon with threats about how they are going to divert a drone from Ukraine and make it land on your home - but in the end they do nothing.
    • honestly you sound like you work the claimant yes affixed dont appeal to anyone no cant be “argued either way”  
    • Because of the tsunami of cases we are having for this scam site, over the weekend I had a look at MET cases we have here stretching back to June 2014.  Yes, ten years. MET have not once had the guts to put a case in front of a judge. In about 5% of cases they have issued court papers in the hope that the motorist will be terrified of going to court and will give in.  However, when the motorist defended, it was MET who bottled it.  Every time.
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Do you need a parachute account?


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Hi folks,

 

Just wondering if anyone can answer the below query? :?:

Hi Perseus & all,

 

I was at a party last night and one of the guest works in a bank. This person told me that since they have all the charges kept on a data base that you only need to write a letter (kind of like the dpa letter) just requesting all charges and etc back since you joined.

Just double checking if this is true? :-?

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Hi chancer

 

Yes - it's entirely possible that the banking organisations keep a separate database with all charges collected, and in a respectful and law conforming society they should return them.

The legal process that's followed by submitting the Subject Access Request should draw out all these charges, but the banks are well aware of the 'Statute of Limitations Act'. This basically limits their requirement, and your right to request information that is older than 6 years. There are other arguements and possible statutes that would force them in theory which for some - have been successful. In reality, the limitations act is a buffer they use to limit liability and the chance of previous charges being re-claimed.

 

In short - the DPA you quote is the right way to start that process of getting the info from their 'database'.

 

Regards

Perseus

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Thanks Perseus......I'll just send the dpa letter so and take it from there. I was hoping for a quick win but no harm. ;-)

Hi chancer

 

Yes - it's entirely possible that the banking organisations keep a separate database with all charges collected, and in a respectful and law conforming society they should return them.

The legal process that's followed by submitting the Subject Access Request should draw out all these charges, but the banks are well aware of the 'Statute of Limitations Act'. This basically limits their requirement, and your right to request information that is older than 6 years. There are other arguements and possible statutes that would force them in theory which for some - have been successful. In reality, the limitations act is a buffer they use to limit liability and the chance of previous charges being re-claimed.

 

In short - the DPA you quote is the right way to start that process of getting the info from their 'database'.

 

Regards

Perseus

If my advice has helped, please click on my scales. Thank you!

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  • 2 weeks later...

Hi there :)

 

Just thought I'd flag something up here, not sure if this has been mentioned before. When I started my claim against Barclays ages ago I opened a parachute account with A&L, just in case Barclays closed my account. However, things have dragged on a lot longer than I thought and now A&L have charged me a fiver for not using the account!! :(

 

Just something to bear in mind. I guess as the banks are dragging things out for so long this could happen to a lot of people?

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hi Firecracker

 

This doesn't surprise me one bit.

no doubt they've covered their asses with the charge in the T&C's, and I suppose they can offset it against the set up of a new account that has not been active.

I believe there will be more banks starting to enforce activity charges soon - they have to find some way or re-cooping their losses...

 

I wouldn't start chasing them for a refund yet - they aren't to customer friendly at that, and blows your parachute!

Is there any chance you could stick a tenner in a month - just to keep it ticking over?

 

Pers

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi Firecracker,

 

I did read in a previous tread from ages ago that they cannot close your account due to you claiming against them. If I come accross it I'll post on here for you. ;)

Hi there :)

 

Just thought I'd flag something up here, not sure if this has been mentioned before. When I started my claim against Barclays ages ago I opened a parachute account with A&L, just in case Barclays closed my account. However, things have dragged on a lot longer than I thought and now A&L have charged me a fiver for not using the account!! :(

 

Just something to bear in mind. I guess as the banks are dragging things out for so long this could happen to a lot of people?

If my advice has helped, please click on my scales. Thank you!

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Pers - I have used the account a couple of times, I think they want my salary to go into it though, which is fair enough. The fee is for 'underfunding'.

 

I just thought as all the advice pretty much starts off with 'open an account somewhere else in case yours gets closed' it's worth taking into account that this may happen. As I am two grand overdrawn with B'clays I can't just pay my salary into another account to keep them happy - bit of a double edged sword really :/

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Understand that, and it's useful info to keep a perspective when parachute accounts are opened and left dormant - the new banks will get a little cheesed off waiting to see if you are going to use it or not.

 

Maybe by physically drawing some cash out of Barclays, and depositing it into the new account, it will keep them happier... if it's not needed after all, it's a way of saving too!

 

Pers

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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I went into the Halifax yesterday and promtly told that as I don't have 'a proper current account' (sic) and only a cashcard account, the Halifax will be changing the way that it deals with people with either an easycash or cashcard account. It'll mean, the cashier said, I will no longer be able to use counter facilities.:mad: Any idea if other banks/building societies are following suit? I haven't opened a parachute account yet as I've had to apply to the DVLA for a duplicate licence - it's the only form of ID that I have. When choosing another bank, I want to be able to use counter facilities like everyone else. I'm really angry with them and feel like a second class citizen.

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Hi all, newbie here :)

 

After reading through this site I thought I would give it a go at reclaiming my bank charges. I've just sent by DPA to Lloyd TSB.

 

I was reading up about parachute accounts and just wondered if it was really necessary as I have a really bad credit history, no CCJ's just a lot of missed payments e.t.c on credit cards, direct debits and loans. I'm just thinking if I applied to a new bank they would take one look at my history and refuse my application?

 

Any advise would be very much appreciated.

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I went into the Halifax yesterday and promtly told that as I don't have 'a proper current account' (sic) and only a cashcard account, the Halifax will be changing the way that it deals with people with either an easycash or cashcard account. It'll mean, the cashier said, I will no longer be able to use counter facilities.:mad: Any idea if other banks/building societies are following suit? I haven't opened a parachute account yet as I've had to apply to the DVLA for a duplicate licence - it's the only form of ID that I have. When choosing another bank, I want to be able to use counter facilities like everyone else. I'm really angry with them and feel like a second class citizen.

 

Haven't heard of that before...

Maybe you could ask them when , and on what notice to you will their services be withdrawn - ask for the erms and Conditions that state their withdrawing those services. - Thats terrible.

 

Hi all, newbie here :)

 

After reading through this site I thought I would give it a go at reclaiming my bank charges. I've just sent by Data Protection Act to Lloyd TSB.

 

I was reading up about parachute accounts and just wondered if it was really necessary as I have a really bad credit history, no CCJ's just a lot of missed payments e.t.c on credit cards, direct debits and loans. I'm just thinking if I applied to a new bank they would take one look at my history and refuse my application?

 

Any advise would be very much appreciated.

Some banks are happy enough to take in customers with adverse credit.

Citibank, Natwest for 2.

When (if) you go to another bank to see if they'll take you in - ask them when they do the application scoring through the credit reference agencies, if it will be registered as a seaarch for credit on your file. If you're not applying for an overdraft or credit card etc, ask them for a quotation search. It leaves no footprints on the CRA, and doesn't affect your history so to speak.

 

Perseus

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If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 2 weeks later...
Hi all, newbie here :)

 

I was reading up about parachute accounts and just wondered if it was really necessary .....

 

Any advise would be very much appreciated.

 

One of the things you will notice as you go through the site is that parachute accounts and various other measures are suggested so that you are covered IF the bank plays hardball.

I personally know of many cases where your original bank doesn't close the acount, but have also seen cases on here where they do.

My suggestion would be to try to open an account IN CASE and use it as a savings account or close it again if all goes well.

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  • 2 weeks later...

Hi,

I've recently taken Alliance Leicester through the small claims court and they have written back saying they will defend the claim. I then received a letter from them offering me £388.00 which would include the court fee. (I claimed £649.) A&L say that "this reflects the difference between the amount of charges for unpaid items actually applied to your account & the amount of charges that would have been applied to the account if the charge had been £12.00.". I am now not sure what to do. I am afraid they will close my bank account (I am not now overdrawn but I do have plenty of Direct Debits & Standing orders.)

 

In another para of the letter they state that "you may have seen media reports that some banks have considered closing certain customers accounts where the customer has complained about bank charges. We would like to re-assure you that if you do accept out offer of settlement we will continue to operate your account. We would only do so on the basis that you accept the Terms & Conditions of your account previously notified to you and that charges will be applied in accordance with our current charging policy." Do you think that this means:- eg If I don't accept they will close my account?? I could really do with some help from you guys on what I should do. I don't like the almost veiled underlying threat being posed here, that in itself makes me really angry however I am a bit of a wimp on the side and think for an easy life shd I just accept the part payment and think well at least I am £388.00 better off now than I was. PLEASE HELP GUYS!

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Hi,

I've recently taken Alliance Leicester through the small claims court and they have written back saying they will defend the claim. I then received a letter from them offering me £388.00 which would include the court fee. (I claimed £649.) A&L say that "this reflects the difference between the amount of charges for unpaid items actually applied to your account & the amount of charges that would have been applied to the account if the charge had been £12.00.". I am now not sure what to do. I am afraid they will close my bank account (I am not now overdrawn but I do have plenty of Direct Debits & Standing orders.)

 

In another para of the letter they state that "you may have seen media reports that some banks have considered closing certain customers accounts where the customer has complained about bank charges. We would like to re-assure you that if you do accept out offer of settlement we will continue to operate your account. We would only do so on the basis that you accept the Terms & Conditions of your account previously notified to you and that charges will be applied in accordance with our current charging policy." Do you think that this means:- eg If I don't accept they will close my account?? I could really do with some help from you guys on what I should do. I don't like the almost veiled underlying threat being posed here, that in itself makes me really angry however I am a bit of a wimp on the side and think for an easy life shd I just accept the part payment and think well at least I am £388.00 better off now than I was. PLEASE HELP GUYS!

 

I would seriously tell them to get stuffed! I am pretty sure they recently had to issue an apology for writing a letter like this, if I were you I would get in touch with the Office of Fair Trading, Trading Standards and the Financial Ombudsman Services and report this veiled threat! This does not conform with the Banking Code. I would also write to them and inform them, quite clearly, that despite of their veiled threat, you will be continuing with your claim and reporting their behaviour to the relevant authorities.

 

Continue with your claim, as planned. You must not settle for half of your claim because they have threatened you - this is exactly the result they want! Can you imagine if everybody backed off, they would be laughing their heads off!

 

Have you opened an account elsewhere? If you are concerned about your credit history, you can open a basic bank account - the NatWest Step Account can be opened online, for example. To be honest, this would make me want to take my business elsewhere in any event! It is outrageous!

 

Good luck and keep us posted!

 

Regards,

 

Corn x:)

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I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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  • 2 weeks later...

Hi, i havent posted on here so im hoping i've posted in the right place!

 

I'm currently pursuing Barclays for £2695 of bank charges so a couple of weeks ago i decided to open a parachute account with NatWest and applied for the Step Account.

 

Within a day of applying online I recieved a letter from them telling me my application had been processed and welcoming me to Natwest. It also showed me my account number / sort code etc, all i needed to do was sign the form and send it back which i did straightaway

 

2 days later i had another letter from Natwest welcoming me to their online banking service - great i thought... i'll change my bank details tomorrow with my employer so my salary can be paid into my new account.

 

However...the next morning i had two letters from NatWest ;

 

1. Stating that my application for a Step account was unsuccessful as i didnt meet their critieria and a leaflet about credit scoring

 

2. A statement of my account showing that i had opened the account on 4th June, then it said account closed on the 5th June...

 

I was really confused because surely they cant open and account send me all the online banking stuff and then close it ?!!?

 

Has anyone else had this problem? Im guessing its because i am claiming charges from Barclays??!

 

Im not sure what else to do now as i still want another account that offers a debit card.....any ideas guys?

 

Thanks in advance...

 

Classylady18 x

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  • 2 weeks later...

Sent my SAR letter by recorded delivery on 16.04.07 and heard nothing, they also did not cash my cheque.

Then on 13.06.07 received a reply from 'Data Subject Access Request Team' which ia a simple list of charges applied and dates going back to April 2001. They also wrote in their covering letter that there was no charge and the cheque had been cancelled.!

 

The problem I now have is when completing the spreadsheet I've downloaded I do not have the interest charged (they did not send statements). Should I simply continue with my preliminary approach letter without including any interest.?

Can anyone help.. please

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Ref Parachute accounts - I notice that Barclays are on the list of banks post #1 - they turned us down flat and gave us the phone numbers to check our credit rating! - This is really begining to bug us, Tesco Finance have given us a very bad credit rating about 2 1/2 years ago, due to redundancy we got behind in repayments and after many many many upsetting calls from them they gave our debt to a debt recovery agent, we had just moved house so we used a bit of capital to pay them off. Tesco were aware of our situation , and would not help - or wait for the money to come through. Anyhow If you would like a lot of stress Tesco Finance is the way to go - as they say "every little helps" -

The point I am making is if you have past debts (or maybe have just won a claim for unfair bank charges!!:p ) Barclays are not worth trying!

Darling1

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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  • 1 month later...

Hi Classylady.

 

Are you sure you applied for the most basic account from Barclays? It would have a 'brand name'.

 

Among my philosophies are:

 

a) Bankers are w*****s, er wallies for the sensitive ones;

 

b) I believe in a belt and braces.

 

I applied for a Co-op Cashminder account by telephone, which was approved in 'principle' and am currently awaiting the paperwork. I was advised to do so by national debtline.

 

Van

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  • 6 months later...
I asked for a business account at Royal bank of Scotland - the bank account was refused, even that I have no debts, I work properly with my company and I work as a journalist and have no bankruptcy or other bad debts record except this HSBC.

 

Any ideas like above for parachute business accounts?

 

Is it legal to run a business through a personal account if all records kept?

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  • 5 months later...
Guest joe.inom

About my know parachute account of my friend , he had to pay penalty charges because he had not certified correctly before that why is he needing this parachute account and parachute account is just a fallback in case the bank closes your current account.

what ever he got your of this.

Edited by joe.inom
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