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itsnowtime

Star - enjoy the book!

Lexxi - Like you, I've been enquiring about business accounts again today. In fact I think I might have rung every financial institution except for Barclays!

Here's my run down...

Alliance & Leicester - 2 years free banking
Abbey - Free for life
Natwest - 2 years free banking
RBS - Charging
Co-Op - Free for 18 months - I think??
Yorkshire - free for 12 months
HSBC - Free if you have their 'direct banking' account

Crikey I've spoke to that many I can't remember them all. I already have an HSBC business Account as I've previously been a sole trader - but as this is a completely new entity I wanted a new account and start everything afresh. Mainly because HSBC wouldn't just change the name on my other account and have told me I have to go through the whole credit scoring system etc.. again.. which has really annoid me - I understand they have to to do their checks but if I'm an existing customer why would they need to go through the whole process again - so I took the decision to make a move..

I don't need any lending facilities and really would probably only get a 'basic business account' if there is such a thing? So I set about ringing round - explaining my situation and then finding out the likelihood of getting an account.

And I have to say Yorkshire Bank came out on top, with Natwest a close second.

I explained my situation to both banks - Natwest have a foundation business account - which is all I really need but having filled out their application form over the phone and had it sent to me - I have to apply for their 'standard' business account which includes a business charge card and then if I get rejected they 'may' offer me the foundation account. I don't want to apply to be rejected and then offered the account I originally wanted..all I want is what I ask for..

Re Yorkshire Bank - they were really good on the phone this morning. I explained my situation and they stated that they will look at everyone individually on a case by case basis. - Which helps!! The only thing that didn't help is that they can't see me till Friday and I have a cheque that really needs to be paid in and cleared for Thursday - but hey ho that isn't going to happen now..

So... I am going to wait for the appt with the Yorkshire - I've asked them to put me on the 'reserve' list incase anyone doesn't turn up or cancels - that way I may get in a little bit before Friday.

The fact that they say they will look at everything individually gives me great comfort - let's hope they deliver on their service...

All i want to do is pay money in, take my wages and earn a decent living - no lending nothing - so why is it always down to a computer!! They need to bring back personal service is banks - that way they can really understand their client and their needs!

Anyhow I'm getting off my soap box and getting some more products added to the site - I have some organic chocolate to add... mmmmmm

Have a good day all..

x

starxtrouble

Well I started reading the book whilst eating lunch... and couldnt put it down. At least its finished now lol! Must get back to it

nzmegs

wow you read quick!!

I have just finsihed my first day as a properly full time self employed person! When I say full time I mean not quite as I managed to get all my work done within about 5 hours. I was sittingat my desk before 8am though and worked fairly solidly until lunch. If i can do that everyday then I will be fine.

Tomorrow I have an article to finsih, one artilce to research, one blog to write, a days news to compile and 10 article topics to come up with. Busy day. But it is soooo nice not to be in that horrible office picking up the phone.

It feels like I am on holiday - I guess reality will kick in eventually.

starxtrouble

Yeah I do! Gratz on your first day by yourself!!

Has Horace toddled off to Spain now.. would explain why its been so quiet recently!!

moneymabel

Hi Star- Ive got IBS as well it really sucks :-( hope yours isn't too bad and the book helps!
Well done on your first day Megz :-)

Had a nice £100 order through my site yesterday so am busy making that up.

starxtrouble

Gratz on your order mabel!

TCM's been a bit quiet... I wonder if she's twacked her OH with a saddle and is busy trying to dispose of the body!

itsnowtime

:rotfl:Star that so made me chuckle - hope youre okay TCM..

Well done on the order moneymabel. It's fab when they start to come through - here's to many more!!

I'm STILL finishing mine :mad: - too many things keep getting in the way but I have a full day today - nothing else in the calendar and the site will be fully functional by the time I go to bed -whether that is in the early hours or not!

I'm starting to get some traffic which is good - just need orders so I'll be working on my advertising strategy too..

Have a good day everyone (well remainder of the day its 2:10pm already !!)
x

TCM_3

You have such a good opinion of me! It was a horse supplement I put in his cottage pie!

moneymabel

Thanks you two and lol @ TCM twacking OH !!!
Hope you get some orders soon itsnowtime- I hadn't had any for 3 weeks and then 2 on same day!

itsnowtime

Moneymabel - I used to find that with another site I ran - didn't get anything one day and then lots come through the next..

I remember reading somewhere about when people buy and what days are best to advertise etc.. but can I find it? Nope.. and right now getting the site finished is my priority but if I come across it I'll let you know..

x