InstantForum 2016-2 FinaltheForumhttps://forum.unlock.org.uk/theForumFri, 17 Apr 2026 19:08:59 GMT20https://forum.unlock.org.uk/FindPost25855.aspx<title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/>Thu, 15 Sep 2022 12:04:10 GMTmarcovanbahttps://forum.unlock.org.uk/FindPost33078.aspx<div data-id="25866" class="if-quote-wrapper" unselectable="on" data-guid="1663239730873"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25866" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25866" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25866" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 15 Jan 19 3:12 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25866"><div class="if-quote-message-margin"><div data-id="25865" class="if-quote-wrapper" unselectable="on" data-guid="1663239730873"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25865" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25865" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25865" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Mr W - 15 Jan 19 1:37 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25865"><div class="if-quote-message-margin"><div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1663239730873"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1663239730873"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1663239730873"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1663239730873"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>£100k in Vat? Congrats on your success, what do you do? Your expertise could be helpful for us on here trying to find our way...?<a class="if-quote-goto quote-link" href="#" data-id="25865"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>I run an ecommerce store mate, selling fitness related products.<br/><br/>It's great selling online, as I am basically invisible.<br/><br/>It has gone much better than expected and I have learned never to take anything for granted. I taught myself advertising etc and started small. Really small in fact. And just continued to grow it.<br/><br/>Sometimes things happen for a reason and my quality of life is pretty good just now. Of course there are still complications like a business bank account for example lol Also, the house I stay in my girlfriends name only is on the mortgage, as is our car. I don't really like to put my name to anything for the time being.<br/><br/>For my business I try to do as much as possible through Paypal. They don't have a problem with me and I don't have a problem with them. (Though they charge me more than perhaps if i had a business account)<br/><br/>I just can't wait for 2 years time when my conviction will become spent. I will feel a lot better then.<a class="if-quote-goto quote-link" href="#" data-id="25866"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Hi, i know this is late but please can you please give more insight into the kind of fitness products you sell. I would like to start a similar business. Please i need your all the help i can get to start my own business.&nbsp; Thanks&nbsp;Thu, 15 Sep 2022 12:04:10 GMTGuzmanhttps://forum.unlock.org.uk/FindPost29636.aspxI don’t have any exspericaence with a cifas mark but I’ve used both plus500 and etoro before and would highly recommend trying them. It might be worth emailing them using an allies and asking what there procedure is.Mon, 28 Dec 2020 20:43:30 GMTBlueman202https://forum.unlock.org.uk/FindPost29629.aspxHi, does anyone know how “trading 212” acts when it comes to cifas marks, and what is the best online stock broker for someone wth a CIFAS 6 mark. I’m going to try to apply for trasing 212 account later this week, and will uodate you if it works. In the meantime, please if anyone knows more info that would be great, thanksSun, 27 Dec 2020 18:40:16 GMTG.swarmhttps://forum.unlock.org.uk/FindPost27888.aspx<div data-id="27248" class="if-quote-wrapper" unselectable="on" data-guid="1592344115759"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="27248" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="27248" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="27248" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 25 Feb 20 4:25 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-27248"><div class="if-quote-message-margin">Hi guys,<br/><br/>Thanks for replying to my "old" post.<br/><br/>I've been using my Paypal account mostly for business which has worked thus far.<br/><br/>Not ideal (with the extra fees involved) but needs must. It's also stopped me from setting up a LTD company so I pay more tax etc<br/><br/>My conviction should actually become spent in 366 days. Yes, 1 year and 1 day, not that I'm counting.<br/><br/>I am hoping after this things should be a little more relaxed. I will contact CIFAS after this date to make sure there i nothing on my record.<br/><br/>I know there most severe marker lasts 6 years. 6 years was also the time for my conviction to become spent.<br/><br/>To be honest I've had to jump through hoops to make things work, and it still does cause me a great deal of anxiety.<br/><br/>Not had any problems with my personal accounts etc but I dread communicating with my bank if I need to!!!<a class="if-quote-goto quote-link" href="#" data-id="27248"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Hi to clarify, do you mean the CIFAS. Prevents you from registering as a LTD company, or do you mean the fact that you can’t get a business account. I want to start a ltd company and i have a business account but i also have a cifas 6 marker, so i want to know if i can still register as a ltd companyTue, 16 Jun 2020 22:50:10 GMTG.swarmhttps://forum.unlock.org.uk/FindPost27700.aspxHello, can you succesfully manage to register as a sole trader even with a CIFAS 6 marker?Fri, 22 May 2020 15:05:50 GMTG.swarmhttps://forum.unlock.org.uk/FindPost27300.aspx<div data-id="27245" class="if-quote-wrapper" unselectable="on" data-guid="1583246728708"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="27245" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="27245" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="27245" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>BenS - 25 Feb 20 9:27 AM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-27245"><div class="if-quote-message-margin">So does this database, or banks in general, not come under ROA? With the OP's sentence and the length of time passed, the conviction should now be spent.<a class="if-quote-goto quote-link" href="#" data-id="27245"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>The ROA would apply, but as Cifas doesn't hold anything beyond the fact of conviction, it's a bit more complicated than it should be. They generally hold information for as long as the statute-barring period for debts: 6 years. However, if the conviction becomes spent before then, you could ask them to remove it as they no longer have the legal right to process that information.Tue, 03 Mar 2020 14:46:58 GMTAB2014https://forum.unlock.org.uk/FindPost27269.aspx<div data-id="25855" class="if-quote-wrapper" unselectable="on" data-guid="1582901723087"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25855" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25855" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25855" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>I received an eight year sentence for 'conspiracy to defraud'. When I was released in 2016 at the half-way mark, I went to HSBC, my previous bank of many years (since their Midland days in fact). They were not interested in having me as a customer despite umpteen years of loyal banking. I trotted off to Barclays, filled out the forms, presented my ID and my 'departure cheque' from prison and opened a bank account on the spot. They didn't ask, I didn't tell and I've been banking with them since. I only wanted a basic bank account, don't 'do' credit cards or overdrafts and stuff - if I don't have the money, I go without. They're worth a try.Fri, 28 Feb 2020 14:59:11 GMTDiogenesehttps://forum.unlock.org.uk/FindPost27248.aspxHi guys,<br/><br/>Thanks for replying to my "old" post.<br/><br/>I've been using my Paypal account mostly for business which has worked thus far.<br/><br/>Not ideal (with the extra fees involved) but needs must. It's also stopped me from setting up a LTD company so I pay more tax etc<br/><br/>My conviction should actually become spent in 366 days. Yes, 1 year and 1 day, not that I'm counting.<br/><br/>I am hoping after this things should be a little more relaxed. I will contact CIFAS after this date to make sure there i nothing on my record.<br/><br/>I know there most severe marker lasts 6 years. 6 years was also the time for my conviction to become spent.<br/><br/>To be honest I've had to jump through hoops to make things work, and it still does cause me a great deal of anxiety.<br/><br/>Not had any problems with my personal accounts etc but I dread communicating with my bank if I need to!!!Tue, 25 Feb 2020 16:25:44 GMTmarcovanbahttps://forum.unlock.org.uk/FindPost27245.aspxSo does this database, or banks in general, not come under ROA? With the OP's sentence and the length of time passed, the conviction should now be spent.Tue, 25 Feb 2020 09:27:29 GMTBenShttps://forum.unlock.org.uk/FindPost27244.aspxCIFAS fraud database won't allow you to use 99% banks. Sad but true. So you better start using paypal, revolut and other online services for transferring money. I've been using such services to transfer profits from forex trading.&nbsp;<a href="https://cuetracker.net/players/ildar-sharipov">Iildar Sharipov</a>&nbsp;my snooker teammate told me the same thing. He is an instaforex broker owner, so he knows a lot about money transferring and bank rules.&nbsp;<br/>Tue, 25 Feb 2020 06:51:19 GMTsahrenityhttps://forum.unlock.org.uk/FindPost25881.aspxThanks for the replies all.<br/><br/>I have decided to stay "as is" for the time being.<br/><br/>With Paypal I should be able to maintain a comfortable level for the time being and hopefully in 2 years time when my conviction is spent I will be able to obtain a business account.Thu, 24 Jan 2019 14:56:06 GMTmarcovanbahttps://forum.unlock.org.uk/FindPost25880.aspx<div data-id="25876" class="if-quote-wrapper" unselectable="on" data-guid="1548338915694"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25876" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25876" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25876" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Yankee - 23 Jan 19 10:03 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25876"><div class="if-quote-message-margin"><div data-id="25866" class="if-quote-wrapper" unselectable="on" data-guid="1548338915694"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25866" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25866" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25866" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 15 Jan 19 3:12 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25866"><div class="if-quote-message-margin"><div data-id="25865" class="if-quote-wrapper" unselectable="on" data-guid="1548338915694"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25865" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25865" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25865" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Mr W - 15 Jan 19 1:37 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25865"><div class="if-quote-message-margin"><div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1548338915694"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1548338915694"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1548338915694"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1548338915694"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>£100k in Vat? Congrats on your success, what do you do? Your expertise could be helpful for us on here trying to find our way...?<a class="if-quote-goto quote-link" href="#" data-id="25865"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>I run an ecommerce store mate, selling fitness related products.<br/><br/>It's great selling online, as I am basically invisible.<br/><br/>It has gone much better than expected and I have learned never to take anything for granted. I taught myself advertising etc and started small. Really small in fact. And just continued to grow it.<br/><br/>Sometimes things happen for a reason and my quality of life is pretty good just now. Of course there are still complications like a business bank account for example lol Also, the house I stay in my girlfriends name only is on the mortgage, as is our car. I don't really like to put my name to anything for the time being.<br/><br/>For my business I try to do as much as possible through Paypal. They don't have a problem with me and I don't have a problem with them. (Though they charge me more than perhaps if i had a business account)<br/><br/>I just can't wait for 2 years time when my conviction will become spent. I will feel a lot better then.<a class="if-quote-goto quote-link" href="#" data-id="25866"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Are you comfortable using mobile banking on a phone?<br/><br/>If so, open a personal account at somewhere like Starling Bank - really quick online signup. If your personal application is rejected, you will probably have confirmation that it is because of an entry on the CIFAS fraud database. Personal banking in the UK does not ask or check other criminal records (and only the private banks run an adverse media check).<br/><br/>Once you are a personal customer, you can then apply for their sole trader business account. Again, rejection would probably confirm an entry in the CIFAS database.<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25876"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Hi Yankee<br/><br/>Thanks for highlighting Starling Bank. Martin Lewis was talking about them on one of his recent programmes but it was more to do with travel money.&nbsp; Pleased to hear that their signup is quick and by the look of it, they give reasons behind their rejections. I'll add some links to the information hub.<br/><br/>Monzo might also be worth having a look at.<br/><br/>DebsThu, 24 Jan 2019 14:14:16 GMTDeb Shttps://forum.unlock.org.uk/FindPost25876.aspx<div data-id="25866" class="if-quote-wrapper" unselectable="on" data-guid="1548280417995"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25866" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25866" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25866" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 15 Jan 19 3:12 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25866"><div class="if-quote-message-margin"><div data-id="25865" class="if-quote-wrapper" unselectable="on" data-guid="1548280417995"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25865" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25865" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25865" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Mr W - 15 Jan 19 1:37 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25865"><div class="if-quote-message-margin"><div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1548280417995"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1548280417995"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1548280417995"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1548280417995"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>£100k in Vat? Congrats on your success, what do you do? Your expertise could be helpful for us on here trying to find our way...?<a class="if-quote-goto quote-link" href="#" data-id="25865"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>I run an ecommerce store mate, selling fitness related products.<br/><br/>It's great selling online, as I am basically invisible.<br/><br/>It has gone much better than expected and I have learned never to take anything for granted. I taught myself advertising etc and started small. Really small in fact. And just continued to grow it.<br/><br/>Sometimes things happen for a reason and my quality of life is pretty good just now. Of course there are still complications like a business bank account for example lol Also, the house I stay in my girlfriends name only is on the mortgage, as is our car. I don't really like to put my name to anything for the time being.<br/><br/>For my business I try to do as much as possible through Paypal. They don't have a problem with me and I don't have a problem with them. (Though they charge me more than perhaps if i had a business account)<br/><br/>I just can't wait for 2 years time when my conviction will become spent. I will feel a lot better then.<a class="if-quote-goto quote-link" href="#" data-id="25866"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Are you comfortable using mobile banking on a phone?<br/><br/>If so, open a personal account at somewhere like Starling Bank - really quick online signup. If your personal application is rejected, you will probably have confirmation that it is because of an entry on the CIFAS fraud database. Personal banking in the UK does not ask or check other criminal records (and only the private banks run an adverse media check).<br/><br/>Once you are a personal customer, you can then apply for their sole trader business account. Again, rejection would probably confirm an entry in the CIFAS database.<br/><br/><br/>Wed, 23 Jan 2019 22:03:36 GMTYankeehttps://forum.unlock.org.uk/FindPost25866.aspx<div data-id="25865" class="if-quote-wrapper" unselectable="on" data-guid="1547564715800"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25865" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25865" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25865" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Mr W - 15 Jan 19 1:37 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25865"><div class="if-quote-message-margin"><div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1547564715800"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1547564715800"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1547564715800"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1547564715800"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>£100k in Vat? Congrats on your success, what do you do? Your expertise could be helpful for us on here trying to find our way...?<a class="if-quote-goto quote-link" href="#" data-id="25865"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>I run an ecommerce store mate, selling fitness related products.<br/><br/>It's great selling online, as I am basically invisible.<br/><br/>It has gone much better than expected and I have learned never to take anything for granted. I taught myself advertising etc and started small. Really small in fact. And just continued to grow it.<br/><br/>Sometimes things happen for a reason and my quality of life is pretty good just now. Of course there are still complications like a business bank account for example lol Also, the house I stay in my girlfriends name only is on the mortgage, as is our car. I don't really like to put my name to anything for the time being.<br/><br/>For my business I try to do as much as possible through Paypal. They don't have a problem with me and I don't have a problem with them. (Though they charge me more than perhaps if i had a business account)<br/><br/>I just can't wait for 2 years time when my conviction will become spent. I will feel a lot better then.Tue, 15 Jan 2019 15:12:09 GMTmarcovanbahttps://forum.unlock.org.uk/FindPost25865.aspx<div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1547559182695"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1547559182695"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1547559182695"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1547559182695"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>£100k in Vat? Congrats on your success, what do you do? Your expertise could be helpful for us on here trying to find our way...?Tue, 15 Jan 2019 13:37:16 GMTMr Whttps://forum.unlock.org.uk/FindPost25862.aspx<div data-id="25861" class="if-quote-wrapper" unselectable="on" data-guid="1547413148023"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25861" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25861" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25861" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 13 Jan 19 12:59 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25861"><div class="if-quote-message-margin"><div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1547413148023"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1547413148023"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1547413148023"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lol<a class="if-quote-goto quote-link" href="#" data-id="25861"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Surely they would. Remember that they say they want everyone off benefits but don't want to stop employment discrimination for those with convictions.&nbsp;Sun, 13 Jan 2019 20:56:25 GMTOutsourcedhttps://forum.unlock.org.uk/FindPost25861.aspx<div data-id="25858" class="if-quote-wrapper" unselectable="on" data-guid="1547384229288"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25858" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25858" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25858" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>Hola - 10 Jan 19 9:48 PM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25858"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1547384229288"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1547384229288"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/><a class="if-quote-goto quote-link" href="#" data-id="25858"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Thanks for the reply Supreme Being. I am already registered as a sole trader and registered for VAT<br/><br/>I think my only option is trying with my bank again, and if rejected approach my local MP.<br/><br/>I paid close to £100k in VAT last year which will increase significantly this year if I continue to grow.<br/><br/>Surely the Govt wouldn't want to lose that money lolSun, 13 Jan 2019 12:59:33 GMTmarcovanbahttps://forum.unlock.org.uk/FindPost25858.aspx<div class="if-quote-wrapper" data-id="25856" unselectable="on" data-guid="1547156886189"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25856" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25856"></a></div><span class="quote-markup" unselectable="on">[b]</span>AB2014 - 10 Jan 19 12:11 PM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25856"><div class="if-quote-message-margin"><div class="if-quote-wrapper" data-id="25855" unselectable="on" data-guid="1547156886189"><a title="Move Cursor Below" class="quote-para" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">+</span></a><a title="Delete Quote" class="quote-delete" style="display: none;" contenteditable="false" href="#" data-id="25855" unselectable="on"><span unselectable="on">x</span></a><span class="quote-markup" unselectable="on">[quote]</span><div class="if-quote-header" contenteditable="false" unselectable="on"><div class="if-quote-toggle-wrapper" unselectable="on"><a title=" " class="if-quote-toggle quote-link" href="#" data-id="25855"></a></div><span class="quote-markup" unselectable="on">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span class="quote-markup" unselectable="on">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.<a class="if-quote-goto quote-link" href="#" data-id="25856"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div>Also just set up as a sole trader and register for VAT maybe ?<br/><br/><br/>Thu, 10 Jan 2019 21:48:50 GMTHolahttps://forum.unlock.org.uk/FindPost25856.aspx<div data-id="25855" class="if-quote-wrapper" unselectable="on" data-guid="1547121928905"><a class="quote-para" unselectable="on" style="display: none;" href="#" data-id="25855" title="Move Cursor Below" contenteditable="false"><span unselectable="on">+</span></a><a class="quote-delete" unselectable="on" style="display: none;" href="#" data-id="25855" title="Delete Quote" contenteditable="false"><span unselectable="on">x</span></a><span unselectable="on" class="quote-markup">[quote]</span><div unselectable="on" class="if-quote-header" contenteditable="false"><div unselectable="on" class="if-quote-toggle-wrapper"><a class="if-quote-toggle quote-link" href="#" data-id="25855" title=" "></a></div><span unselectable="on" class="quote-markup">[b]</span>marcovanba - 10 Jan 19 11:46 AM<span unselectable="on" class="quote-markup">[/b]</span></div><div class="if-quote-message if-quote-message-25855"><div class="if-quote-message-margin"><title></title><p class="p1">Hello everyone,</p><p class="p2"><span style="font-size: 10pt;">Long time lurker here :)</span></p><p class="p2"><span style="font-size: 10pt;">I received a 2 yr suspended sentence in February 2015 for fraud. It related to offences in 2010 and took a long time to get to court. I actually received pretty favourable comments from the judge and was given no community service nor costs to pay due to the way I had been treated by the prosecution.</span></p><p class="p2"><span style="font-size: 10pt;">On the downside, I have a pretty unique name and my case was given media coverage.</span></p><p class="p2"><span style="font-size: 10pt;">As a result, I was struck off from my profession even though it was not related to my offence. (Different job) Still, fair enough and I accepted it.</span></p><p class="p2"><span style="font-size: 10pt;">I worked as a labourer for my father for a year or so, but we don't really see eye to eye, so that came to end.</span></p><p class="p2"><span style="font-size: 10pt;">With little options I spent my time learning about selling online and have set up 2 online stores since.</span></p><p class="p2"><span style="font-size: 10pt;">Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.</span></p><p class="p2"><span style="font-size: 10pt;">I have 2 personal bank accounts that I use to pay for supplies / taxes etc but this is not ideal. I try to use Paypal as much as I can to stop my personal accounts being flagged for business use to. (Paypal also charge me more too)</span></p><p class="p2"><span style="font-size: 10pt;">I really want to grow the business and a business account would help. I applied to my own bank for a business account around 18 months ago and was rejected with no reason given.</span></p><p class="p2"><span style="font-size: 10pt;">I'm now scared to apply again or with another bank as I don't want my name being flagged up, and ending up getting my personal accounts blocked too.</span></p><p class="p2"><span style="font-size: 10pt;">I know banks share information and I could well have been given a CIFAS marker. ( i think this lasts 6 years so maybe it will be OK after then, but 2 years is a long time to wait)</span></p><p class="p2"><span style="font-size: 10pt;">I think I have proven that I will not offend again (offence now 9 years ago) but I know banks are so risk adverse and my name just does not help. Also, I am now paying a significant amount of income tax and VAT.</span></p><p class="p2"><span style="font-size: 10pt;">I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.</span></p><p class="p2"><span style="font-size: 10pt;">So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.</span></p><p class="p2"><span style="font-size: 10pt;">Thank you.</span></p><br/><a class="if-quote-goto quote-link" href="#" data-id="25855"><span class="goto"></span></a></div></div><span class="quote-markup">[/quote]</span></div><br/>Unlock has information about this on their website <a href="https://hub.unlock.org.uk/knowledgebase/criminal-convictions-history-fraud/">here</a>. It might be that they have a different reason for not opening a business account for you. Even if it was because of Cifas, they wouldn't add extra information unless they thought your application for an account was fraudulent. You could always try discussing it with your bank, as they may have a different view 18 months after the first application, but at least you would know why they turned you down. If they won't tell you anything, you can make a subject access request to them under Freedom of Information, and they'd have to tell you anyway. You could also contact your local Chamber of Commerce, as they may be able to help you.Thu, 10 Jan 2019 12:11:04 GMTAB2014