Long time lurker here
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.
On the downside, I have a pretty unique name and my case was given media coverage.
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.
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.
With little options I spent my time learning about selling online and have set up 2 online stores since.
Now the issue is that the 2nd store has been pretty successful, in fact better than I could have imagined.
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)
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.
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.
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)
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.
I had considered speaking to my local MP but I just don't want to destroy what I have built up by drawing attention.
So, I'm sorry for the long winded post but does anyone have any advice at all? It would be greatly appreciated.