[StockClean]

Had a phonecall from my bank manager, asking me to call her urgently.

Called back, and she started pressing me on the use of my account. Im using a personal account for the business, over the weekend 30 payments were recieved through the account and she wasnt exactly all that happy about it.

She asked me if i am a window cleaner, as she could see the payment ref from the bacs credits, and then suggested a business account would provide me with a better option. She also highlighted that they offer merchant facilities through their cardnet merchant account.

She reminded me that i am using the account outside the terms and conditions it was meant for, and very much suggested i should switch to a business account.

I explained that in april i would be turning ltd anyway, and could i do it then?  she agreed and said i wuld get a phonecall from her end of may to get the ball rolling as i cannot continue to use my personal account in this way for ever.

what shall i do?

banks always look to extract money out of you.

[simbo]

lloyds bank are good but expensive, i changed to a&l which is now santander free banking for life and saved loads

[bad trippy]

I would have replied something like this... " Thanks for your call,im currently in the process of getting a new business account with Santanar"
I bet she would'nt bother with it again

[Tom White]

I would have replied something like this... " Thanks for your call,im currently in the process of getting a new business account with Santanar"
I bet she would'nt bother with it again

That is actually very good, Trippy.

[Scott Dean]

As far as I'm aware I didn't think it was illegal or against policy to use a private account?

[George P]

As far as I'm aware I didn't think it was illegal or against policy to use a private account?

should have a business account if in business, but get away with it as long as you can, little tip - we have business account and its around 60p per cheqque so we ask some customers (domestic) to put my name on and not business name, put them into private account and once per month total it up and do 1 cheque into business account,

[Total shine cleaning services]

Just been on Santander website and free for 12 months then you can pay a fixed fee of between £12-15 with no extra charges

[Dick]

The chances are you wont get a phone call as it'll either be forgotten about or she will have moved jobs, just wait and see.

[CLEANCARE WC]

I would have replied something like this... " Thanks for your call,im currently in the process of getting a new business account with Santanar"
I bet she would'nt bother with it again

That is actually very good, Trippy.

No doesnt work tried that with Barclays  : (BRING BACK THE ROLLY EYES)

[Helen]

Had a phonecall from my bank manager, asking me to call her urgently.

Called back, and she started pressing me on the use of my account. Im using a personal account for the business, over the weekend 30 payments were recieved through the account and she wasnt exactly all that happy about it.

She asked me if i am a window cleaner, as she could see the payment ref from the bacs credits, and then suggested a business account would provide me with a better option. She also highlighted that they offer merchant facilities through their cardnet merchant account.

She reminded me that i am using the account outside the terms and conditions it was meant for, and very much suggested i should switch to a business account.

I explained that in april i would be turning ltd anyway, and could i do it then?  she agreed and said i wuld get a phonecall from her end of may to get the ball rolling as i cannot continue to use my personal account in this way for ever.

what shall i do?

banks always look to extract money out of you.

All bank charges are tax deductable. The merchant serviced were expensive when we looked into them.
L/tsb used to do good discounts in the first few years of businesse banking with them, so ask them about this. If you are happy with a bank it would be a shame to change just because of charges. You don't get charged for bacs/on line payments, so convince all  you custies to go that way

[Rogue Trader]

i used to use halifax personal and i combatted this problem by having no contact with them, i deposited weekily in the quick deposit box and did all my banking online , if someone calls you they will ask for your personal details at which point you refuse on the ground it could be a fraudulent call ..... got away with it for ages

Though im now with santander ex a and L as company is now Ltd

[gary999]

move to another bank

[simbo]

my account was originally A&L but  still free for now i expect they will want to charge in the end but nothing like Lloyds did

[Londoner]

I would have replied something like this... " Thanks for your call,im currently in the process of getting a new business account with Santanar"
I bet she would'nt bother with it again

Thats more or less exactly what I said to my bank when they started doing that. And they are right opposite the local Santandair so they know I mean it. Its their choice, its them that will be the losers if they push it.

[Neil Gornall]

I would use this to your advantage.

When I opened my account I managed to get 2 years free banking from them.

When I went Ltd my biz manager very smugly said "you will need to open all new accounts"
I said great in that case I want 2 more years free seeing as I am effectivly a new customer, otherwise I will go elsewhere.
it worked and I got 2 more years free. 
as soon as thats up I will move.

[richard jagger]

Matt its great to see someone turn the the tails on the bank well down. I am at Halifax and have down the same, if the push I thank them for the past service and tell them I am moving on. The people are sales staff at the bank and just trying to look for more business.They go through all there data bases to find new business,.The last thing they want is to loose business.WE NEED TO FIGHT BACK. 

[AS Window Cleaning]

Had personal account with barclays for 15 years, used a personal account for window cleaning for the past 8.  If I go to my "local" branch they are good as gold, but when i went to ledbury, ross on wye, and evesham they all kick off about it not being a business account.  Ledbury in particular was quite snotty with my wife, i really wanted to go back in and give them an ear full but wasnt allowed..... 

Nowadays we just stick with our local branch and spread out the cheques.  We have about 30 odd cheques go in a week id guess.  Sometimes 40.

Cant be doing with changing accounts, banks etc.  Our branch even lets AS Window cleaning go in instead of our personal name!! 

[L.J.Thorpe]

i have been in same position with Lloyds TSB for past year ,i had an arrangement with the manager when i started in 05 . i told him what i was doing and he was fine with it ,set up an overdraft,etc never any complaints no matter the amount of cheqs as long as in my name,standing order to pay a wage into household account,direct debits for ni ,van ins. ,pub liability etc all lovely..........until last xmas when he retired

since then i have been called in,and chased with letters,i told em i was not interested in a business account and at the moment its stalemate
as above i do banking online and deposit cash in the depositpoint thus avoiding contact...we shall see how it turns out!!

[Window Washers]

I use Lloydstsb for business and personal,


Why dont you just get a business account and run your business as one ?

Before all the haters jump on my back, this really is basic stuff, instead of worrying about pennies why not earn pounds ?

[Pope vader]

i use to use my personal bank account,  and then checked my credit rating,  and found out that barclays where doing frand checks on me,  as was paying that a lot of cash and cheques in to a personnal account casues alarms