Phase 1: CCJ Removed. Phase 2: Claim Discontinued. Phase 3: Costs.

Coupon-mad

Harvez63 said:

You absolutely have my permission, I've just sent a PM. 

If I get out of this situation, I want to do as much damage as I can to what they are doing 

Your response to the Public Consultation in a couple of months (or whenever it opens) will be powerful revenge in itself.

Once you get the CCJ overturned and this is all sorted, you could sue the parking firm for the loss, damage and severe distress caused.  There seem to be far better prospects to be a claimant (new claim after it's all over) than trying a counterclaim, just so you are aware.  And Southampton Judges are superb.

I got your pm and will be in touch very soon to talk about making yours a Case Study. I will do that within days.

Grizebeck

Coupon-mad said:

Harvez63 said:

You absolutely have my permission, I've just sent a PM. 

If I get out of this situation, I want to do as much damage as I can to what they are doing 

Your response to the Public Consultation in a couple of months (or whenever it opens) will be powerful revenge in itself.

Once you get the CCJ overturned and this is all sorted, you could sue the parking firm for the loss, damage and severe distress caused.  There seem to be far better prospects to be a claimant (new claim after it's all over) than trying a counterclaim, just so you are aware.

I got your pm snd will be in touch very soon to talk about making yours a Case Study. I will do that within days.

I have to say i don't think their latest issue is a good example as it appears to be an issue that is conflated 

Grizebeck

Woooah!

Let stops and get the facts right here as you seem to be having a bit if a fit about something which may not be connected
Barclays made the commercial decision.  You were asked to update your Business account details as part of KYC.  You decided not to update your details so therefore quite fairly Barclays terminated their relationship with you

There is no evidence that a business account application by a director of a company is rejected automatically because a CCJ in the name of one of the directors

You could open a starling account quite easily who don't score so harshly on bank accounts 

With regards your Direct Debit please calm down.  it is very simple when you set up the DD you just give your name as the Account holder, there is no Account matching service in DD setup so there is simply no issue.

You are appearing to conflate the two issues, one of a CCJ and the other of a business relationship with a bank

It was your responsibility to update your information / confirm it.  As much as we dislike the likes of parking firms we have to take responsibility and this lies squarely on your shoulders 

Ive gotta say this, you need to put this is into prospective and just accept that your issue with the CCJ is very small compared to much bigger issues we have

Harvez63

Hi @Grizebeck,

I agree, the Barclays is a separate thing. A simple admin mistake that has caught lots of businesses out, words from Barclays themselves. My mistake, totally agree! 

The CCJ however, is directly preventing me from opening a business account. It's coming back within seconds. I've never had any sorts of financial issues before, and had an excellent company that is low risk, and has no out goings other then a car. I'm not sure how you could think otherwise? I'd already demonstrated some effects its had. 

I've been told directly, they cannot accept a DD in my name, it needs to be in the business name on their records. 

Prospective? Which is right now, my money is in a cheque somewhere I cannot cash, or even have in my person. I cannot pay my wages next week, I have no savings (from working through covid), I have no where to have invoices paid into, or no ability to even set that up. How is that not in prospective? How do you expect me to feed my family in December? come on, I'm not dramatising anything

Harvez63

Grizebeck said:

You could open a starling account quite easily who don't score so harshly on bank accounts 

With that I said above, thank you, I will look into this I've never heard of a starling account 

Grizebeck

Harvez63 said:

Hi @Grizebeck,

I agree, the Barclays is a separate thing. A simple admin mistake that has caught lots of businesses out, words from Barclays themselves. My mistake, totally agree! 

The CCJ however, is directly preventing me from opening a business account. It's coming back within seconds. I've never had any sorts of financial issues before, and had an excellent company that is low risk, and has no out goings other then a car. I'm not sure how you could think otherwise? I'd already demonstrated some effects its had. 

I've been told directly, they cannot accept a DD in my name, it needs to be in the business name on their records. 

Prospective? Which is right now, my money is in a cheque somewhere I cannot cash, or even have in my person. I cannot pay my wages next week, I have no savings (from working through covid), I have no where to have invoices paid into, or no ability to even set that up. How is that not in prospective? How do you expect me to feed my family in December? come on, I'm not dramatising anything

Then do the direct debit mandate in the name it needs to be in, as advised there is no cross checking of account names for such things

The issue for the cheque is again on your shoulders because if you had done what you should have done when asked and not put it of then you wouldn't have a cheque in the first place

What evidence do you have that the CCJ is preventing the account opening? you have no idea how the banks are currently scoring and what metrics they use for new business applications.  They may accept a personal application but reject a business account because of the different scorecards etc .  Banks change their criteria as the market changes, the cost of borrowing and economic outlook. There are so many unknowns and variables

Your simply putting two and two together and making 5

Banks may simply not want your business regardless of a CCJ , as i said try Starling/ Monzo

Grizebeck

Harvez63 said:

Grizebeck said:

You could open a starling account quite easily who don't score so harshly on bank accounts 

With that I said above, thank you, I will look into this I've never heard of a starling account 

Starling bank is an app based account same as monzo who offer both business and personal accounts

Harvez63

I've Tried Monzo already, I've hit a snag on Starling because it wants bank statements which I've requested from Barclays as when its closed I lost access, but they've told me because its closed they have to apply themselves for them. 

I find it very, very hard to believe, the CCJ isn't a factor. But your right, I cant 100% be sure, but I find it odd I've never struggled for finance, or bank accounts before this has happened, now I'm being turned away from multiple banks

Grizebeck

You can still get statements from a closed account. There is no issue with that.

Harvez63

@Grizebeck I cant access our business account, its completely gone, there's no access I'm telling you. 

I spoke to Barclays, they said they have to request access and they'd email them to me once I have them. 

Not sure if you miss-understood. I can get them, but I have to apply and they will be sent. I have no instant access