Irish Taxi Forum

Public Area => Taxi Talk => Topic started by: gbowden on October 31, 2019, 03:55:32 PM

Title: Bank refused to open business account
Post by: gbowden on October 31, 2019, 03:55:32 PM
Hi All,

First post and new to the taxi industry.

So i'll keep it short. Got my Licence eventually after 5 months waiting, so went to ope a bank account in my local Ulster bank and they refused my application, stating the below.

We considered the information you provided to us, in addition to our standard checks and assessments.
We also reviewed the bank’s knowledge about the sector in which your business operates. If the Bank
has concerns over a sector’s future, or considers it could expose us to financial or reputational risk, we
may choose not to offer Banking facilities. Unfortunately, this is the case here and it is currently Bank
Policy not to extend support to businesses operating in your sector.

Anyone else have this problem???

TIA
G
Title: Re: Bank refused to open business account
Post by: stonethecrows on October 31, 2019, 03:58:05 PM
Fcuk were all doomed, the banks are on to us
Title: Re: Bank refused to open business account
Post by: Shallowhal on October 31, 2019, 04:02:27 PM
or considers it could expose us to financial or reputational risk,

Hilarious....although they weren't bailed out by us...but still!!
Title: Re: Bank refused to open business account
Post by: taxi1990 on October 31, 2019, 04:19:58 PM
how much is it to open a business bank account?
Title: Re: Bank refused to open business account
Post by: gbowden on October 31, 2019, 04:24:05 PM
Its free to open, just different charges for different services.

Trying to do everything the right way and get hit with this, who do you guys bank with?
Title: Re: Bank refused to open business account
Post by: dalymount on October 31, 2019, 04:29:11 PM
Well for all you guys planning on staying in the game, I'd be worried. The banks obviously don't see the future being Rosy for the taxi industry. If , and when the expected bad times come, it will be compulsory to be aligned to a dispatcher and you will have to pay your weekly frieght even though there will be no work. You will only have yourselves to blame because you have handed control of the industry to dispatchers
Title: Re: Bank refused to open business account
Post by: mercenary for hire on October 31, 2019, 04:39:57 PM
What sort of advantages do you get?Ulster bank are regularly on the news for messing up.Try AIB or BOI.I use my personal accounts.If you get audited everything will be checked anyway.
Title: Re: Bank refused to open business account
Post by: gbowden on October 31, 2019, 04:41:10 PM
technically if you are a sole trader or a business, you cannot use a personal account its illegal I was told, something to do with money laundering.

That you must set up a business account.
Title: Re: Bank refused to open business account
Post by: Bob Shillin on October 31, 2019, 04:45:44 PM
technically if you are a sole trader or a business, you cannot use a personal account its illegal I was told, something to do with money laundering.

That you must set up a business account.
With Ulster Bank 40 years, taxiing 16.5 years, have always used my personal ac for work as per MFH, let the accountant earn his money. I do know another driver who was told in no uncertain terms to open a separate business account with Ulster Bank having banked with them for a long time.
Title: Re: Bank refused to open business account
Post by: mercenary for hire on October 31, 2019, 04:47:03 PM
I've drawn down mortgages and other loans on my personal account.Nobody said anything from the banks anyway.I worry about revenue if they come knocking.
Title: Re: Bank refused to open business account
Post by: gbowden on October 31, 2019, 04:54:23 PM
I'm none the wiser, I'll try BOI or AIB, I'll let you know how i get on.
Title: Re: Bank refused to open business account
Post by: watty on October 31, 2019, 05:58:10 PM
Why pay two sets of bank charges?  Run everything through you personal account & keep good records.

You can claim expenses for medical stuff, part of your mobile phone & internet etc, & that'll probably come out of your personal account anyways.
Title: Re: Bank refused to open business account
Post by: silverbullet on October 31, 2019, 07:53:39 PM
Hi All,

First post and new to the taxi industry.

So i'll keep it short. Got my Licence eventually after 5 months waiting, so went to ope a bank account in my local Ulster bank and they refused my application, stating the below.

We considered the information you provided to us, in addition to our standard checks and assessments.
We also reviewed the bank’s knowledge about the sector in which your business operates. If the Bank
has concerns over a sector’s future, or considers it could expose us to financial or reputational risk, we
may choose not to offer Banking facilities. Unfortunately, this is the case here and it is currently Bank
Policy not to extend support to businesses operating in your sector.

Anyone else have this problem???

TIA
G
Ulster says NO...there's Novel!! 8)
Title: Re: Bank refused to open business account
Post by: Shallowhal on October 31, 2019, 09:39:31 PM
There was a few cases a while back where AIB and BOI refused to open bank accounts for new customers...they had to pay compo to those customers,

I bank with PTSB,once i maintain a daily balance of 2.5k....no bank charges.
Title: Re: Bank refused to open business account
Post by: silverbullet on October 31, 2019, 10:51:00 PM
There was a few cases a while back where AIB and BOI refused to open bank accounts for new customers...they had to pay compo to those customers,

I bank with PTSB,once i maintain a daily balance of 2.5k....no bank charges.
You bank with PTSD!!  8)
Title: Re: Bank refused to open business account
Post by: john m on October 31, 2019, 10:55:31 PM
I posted here earlier this year Banks wont loan Taxi Drivers Coin unless they know you .Car sellers wont extend credit .The problem is .Certain drivers are borrowing to buy a car and then not paying .Then Banks or Credit companies go to court to sieze the Car then the person appeals and get a review .By the time the car is siezed it is worthless 100+k on the clock .To many transient operators in the Taxi industry who drive while they wait to get an Irish Passport and fuck off to the UK .
Title: Re: Bank refused to open business account
Post by: gbowden on November 01, 2019, 07:43:03 PM
So in the end I set up a personal account. Too much hassle with business account.

Next step find a taxi to rent without having to bring KY jelly with me


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Title: Re: Bank refused to open business account
Post by: vandriver on November 01, 2019, 11:46:03 PM
Save the KY for the insurance boys.
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 06:56:49 AM
Save the KY for the insurance boys.
I know €5800 is cheapest quote
I’m 39 Irish, full private NCB, clean licence
Madness


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Title: Re: Bank refused to open business account
Post by: vandriver on November 02, 2019, 08:48:11 AM
That's a grand cheaper than my first year.What price are rentals at the moment?
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 09:08:03 AM
That's a grand cheaper than my first year.What price are rentals at the moment?
The cheapest rental I have been given is €200
lynk do a full package inc insurance and their app for €370


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Title: Re: Bank refused to open business account
Post by: mercenary for hire on November 02, 2019, 09:44:13 AM
I know this is not much help but when I started my insurance was probably 1800 I think but there was feck all work.It kinda balances out.
Title: Re: Bank refused to open business account
Post by: john m on November 02, 2019, 09:56:52 AM
That's a grand cheaper than my first year.What price are rentals at the moment?
The cheapest rental I have been given is €200
lynk do a full package inc insurance and their app for €370


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Get yourself a van driving Job 370 before fue land commission on certain jobs first 500 a week you earn will go on costs .Taxi driving is like marrage first few months your never out of the saddle wages every evening unlike a PAYE job where you only get paid once a week or once a month .You willbe doing 7 days a week but it will break you after a while .Think seriously about this industry before you commit any money or time .Its not as simple or lucrative as you might think .Its a low waged job for the hours you put in .In fact for some its less than Minimum Wage .CIE are always looking for drivers .
Title: Re: Bank refused to open business account
Post by: Shallowhal on November 02, 2019, 12:58:48 PM
@John,
He'll be spending a lot more than 130 on fuel to get the earnings required to just survive...i'd be stressed out and on all sorts of meds and on disability...just thinking about havin to pay that sort of money!!
Title: Re: Bank refused to open business account
Post by: Rat Catcher on November 02, 2019, 01:15:32 PM
€370 with Lynk seems reasonable when you put it like that. €200 for a poorly maintained piece of shit + €120 insurance + €250 Free Now Freight... no brainer IMO, Ebbs tends to maintain his motors properly and probably has replacements where required. He seems to be going the Prius route these days so I guess there's some fuel savings compared to some of the thirstier diesels on the road and I think they're mostly automatic so a bit easier on the joints over the long shifts you ought to do while you get the price of a new new new new ne new standard WAT together.
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 02:03:20 PM
€370 with Lynk seems reasonable when you put it like that. €200 for a poorly maintained piece of shit + €120 insurance + €250 Free Now Freight... no brainer IMO, Ebbs tends to maintain his motors properly and probably has replacements where required. He seems to be going the Prius route these days so I guess there's some fuel savings compared to some of the thirstier diesels on the road and I think they're mostly automatic so a bit easier on the joints over the long shifts you ought to do while you get the price of a new new new new ne new standard WAT together.

I thought free now was pay as you get job not a freight charge weekly.

Ebbs said there a waiting list to get in so will have to wait either way.




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Title: Re: Bank refused to open business account
Post by: john m on November 02, 2019, 02:21:24 PM
Dont know your present Employment status but if you become a taxi driver you become self employed you lose access towelfare and other social protections ,make sure self employment is for you and your family if you have one .
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 02:34:23 PM
Dont know your present Employment status but if you become a taxi driver you become self employed you lose access towelfare and other social protections ,make sure self employment is for you and your family if you have one .
John do you work in the industry, I see all your comments are to warn against becoming a taxi man.

Just curious what situation your in and what’s your overheads etc, is it really that bad?


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Title: Re: Bank refused to open business account
Post by: markmiwurdz on November 02, 2019, 02:43:12 PM

[/quote]

.Taxi driving is like marrage first few months your never out of the saddle wages every evening unlike a PAYE job where you only get paid once a week or once a month .You willbe doing 7 days a week but it will break you after a while .
[/quote]

That sounds so familiar.....
Title: Re: Bank refused to open business account
Post by: john m on November 02, 2019, 02:47:55 PM
13 years at this changed my car this year 2.3 K insurance 3.5K for fuel 3.5 K car repoyments  so about 200 a week before I make a shilling then add in a mobile phone to recieve work cleaning and service another grand and a half a year .Thats about minimum investment
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 02:55:00 PM
13 years at this changed my car this year 2.3 K insurance 3.5K for fuel 3.5 K car repoyments  so about 200 a week before I make a shilling then add in a mobile phone to recieve work cleaning and service another grand and a half a year .Thats about minimum investment
That’s heavy alright, and if you don’t mind me asking

How long would it take to make the €200 up?

I am going to be doing this Friday to Sunday only and maybe the odd weekday evening.
Hoping to get an airport pass and also FN have offered me €1000 sign up bonus.

I’ve already invested €400 for exam and licence hate to throw that away


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Title: Re: Bank refused to open business account
Post by: john m on November 02, 2019, 03:01:36 PM
You wont get an Airport Pass  they are not available You wont cover your expences and make wages unless you do 80 + hours based on your costs .
Title: Re: Bank refused to open business account
Post by: vandriver on November 02, 2019, 03:30:41 PM
As the resident renter,I wouldn't put you off joining our ranks,but it's very long hours to make a decent living.
Very important...put money away every week for your tax bill.Its easy to long finger it,then suddenly in year 2,you need to find 2 years tax at once.
If you have a partner that works ordinary hours,they must understand that you will be working all the hours that they are off.
I find that the wife loves the cash,but isn't at all keen on never seeing me!
The €370 a week for lynk doesn't include commission on accounts,so you will be paying more.
Title: Re: Bank refused to open business account
Post by: vandriver on November 02, 2019, 03:40:23 PM
Just seeing your last reply.
If you are a renter,it is really full time only gig.
Friday Saturday Sunday might net you 7 hundred,making you a couple of hundred profit.
The FreeNow bonus requires you to hit certain targets.You aren't going to do that while signed up to lynk.
Title: Re: Bank refused to open business account
Post by: Shallowhal on November 02, 2019, 03:46:16 PM
If you have a partner that works ordinary hours,they must understand that you will be working all the hours that they are off.
I find that the wife loves the cash,but isn't at all keen on never seeing me!

We have to listen to ye VD....maybe spend more time with the missus!! lol
Title: Re: Bank refused to open business account
Post by: vandriver on November 02, 2019, 03:47:17 PM
You can spend time with my missus,I'm busy!
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 03:51:17 PM
Just seeing your last reply.
If you are a renter,it is really full time only gig.
Friday Saturday Sunday might net you 7 hundred,making you a couple of hundred profit.
The FreeNow bonus requires you to hit certain targets.You aren't going to do that while signed up to lynk.

Its just a quote from Lynk I got, I only received 2 replies out of 8 mails, was only answering a question above about cost of rental, have decided what route to take.

Its sounding very daunting from all the replies.




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Title: Re: Bank refused to open business account
Post by: mercenary for hire on November 02, 2019, 04:06:46 PM
Just to add at the moment it's busy if the economy takes a dive you'll be working 30% more hours to maintain the same money.Try it out by all means but the days of hiding money from the tax man are over.We're probably getting mandatory credit card machines next year.Already I'm seeing more and more card payments from the ranks.App work is mostly card work too.

Taxi driving costs at least 200 per week as an owner driver and up to 500 of you're renting.Depending on what you decide to drive.

Don't be fooled when you see lads driving Audis, Mercs and Beemers.Many live in cheap corpo gaffs or paid off their mortgages back when property was cheap.



Title: Re: Bank refused to open business account
Post by: Shallowhal on November 02, 2019, 04:10:45 PM
You can spend time with my missus,I'm busy!

I've enough self flagellation goin on at the mo....but thanks anyways!!
Title: Re: Bank refused to open business account
Post by: gbowden on November 02, 2019, 05:14:57 PM
Just to add at the moment it's busy if the economy takes a dive you'll be working 30% more hours to maintain the same money.Try it out by all means but the days of hiding money from the tax man are over.We're probably getting mandatory credit card machines next year.Already I'm seeing more and more card payments from the ranks.App work is mostly card work too.

Taxi driving costs at least 200 per week as an owner driver and up to 500 of you're renting.Depending on what you decide to drive.

Don't be fooled when you see lads driving Audis, Mercs and Beemers.Many live in cheap corpo gaffs or paid off their mortgages back when property was cheap.

I think I seen a jaguar taxi too ;-), by the sounds of everyone it’s a dying sector and unless you are already comfortable living wise this is gonna be tough after living expenses, bills etc...
1. the foreigners that are doing it obviously get free housing (rent allowance) as you’d never survive with rent to pay along with everything else.

2. Guys in the games a while have already got house and kids grown up etc...

3. So the honest guy that wants to do things right gets shafted again, pay bills, buy a house, raise a family, Vhi if lucky etc.. country is a joke



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Title: Re: Bank refused to open business account
Post by: watty on November 02, 2019, 05:29:05 PM
And don't forget autonomous/robot cars and taxis are supposedly on the way.  They're already trialling them on the straight roads in America and Japan is supposed to use them for the Olympics next year. 
When, or if, they become mainstream is debatable.   
But you said you're 39.  You've 30 years working life until you get to 70.  What will you do in 10, 20, 25 years when/if the robot taxis come into Ireland?

Personally, I don't think a taxi driver can raise a family unless they work long, long hours.
Title: Re: Bank refused to open business account
Post by: taxi1990 on November 02, 2019, 06:18:03 PM
Just to add at the moment it's busy if the economy takes a dive you'll be working 30% more hours to maintain the same money.Try it out by all means but the days of hiding money from the tax man are over.We're probably getting mandatory credit card machines next year.Already I'm seeing more and more card payments from the ranks.App work is mostly card work too.

Taxi driving costs at least 200 per week as an owner driver and up to 500 of you're renting.Depending on what you decide to drive.

Don't be fooled when you see lads driving Audis, Mercs and Beemers.Many live in cheap corpo gaffs or paid off their mortgages back when property was cheap.

I think I seen a jaguar taxi too ;-), by the sounds of everyone it’s a dying sector and unless you are already comfortable living wise this is gonna be tough after living expenses, bills etc...
1. the foreigners that are doing it obviously get free housing (rent allowance) as you’d never survive with rent to pay along with everything else.

2. Guys in the games a while have already got house and kids grown up etc...

3. So the honest guy that wants to do things right gets shafted again, pay bills, buy a house, raise a family, Vhi if lucky etc.. country is a joke



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sounds like you already have another job if you are only going to work weekends so maybe you should leave this game to us full time drivers who need it to make a living. even a full time driver who works all hours every day make feck all when all your expenses are taken into account.
Title: Re: Bank refused to open business account
Post by: Vikkiz on November 02, 2019, 06:42:57 PM
Just to add at the moment it's busy if the economy takes a dive you'll be working 30% more hours to maintain the same money.Try it out by all means but the days of hiding money from the tax man are over.We're probably getting mandatory credit card machines next year.Already I'm seeing more and more card payments from the ranks.App work is mostly card work too.

Taxi driving costs at least 200 per week as an owner driver and up to 500 of you're renting.Depending on what you decide to drive.

Don't be fooled when you see lads driving Audis, Mercs and Beemers.Many live in cheap corpo gaffs or paid off their mortgages back when property was cheap.

I think I seen a jaguar taxi too ;-), by the sounds of everyone it’s a dying sector and unless you are already comfortable living wise this is gonna be tough after living expenses, bills etc...
1. the foreigners that are doing it obviously get free housing (rent allowance) as you’d never survive with rent to pay along with everything else.

2. Guys in the games a while have already got house and kids grown up etc...

3. So the honest guy that wants to do things right gets shafted again, pay bills, buy a house, raise a family, Vhi if lucky etc.. country is a joke



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sounds like you already have another job if you are only going to work weekends so maybe you should leave this game to us full time drivers who need it to make a living. even a full time driver who works all hours every day make feck all when all your expenses are taken into account.
I’m surprised no one else picked up on that comment.
If you only want to work at this part time and rent a car, don’t bother, you’ll either have to be 100% committed or work 17 hours on Friday, Saturday and Sunday. I’m sure the other half won’t  like that at all.
Best advice is to get yourself a PAYE job
Title: Re: Bank refused to open business account
Post by: watty on November 02, 2019, 07:00:30 PM

Best advice is to get yourself a PAYE job
Even better advice would be to get a civil/public service job!  No need to work, you don't even have to turn up, you don't have to pay for your pension...

The state pension (as we know it) is also on the way out - except for the above lucky ones  ::fds

https://www.irishtimes.com/news/politics/automatic-pension-scheme-to-be-introduced-over-decade-1.4067292 (https://www.irishtimes.com/news/politics/automatic-pension-scheme-to-be-introduced-over-decade-1.4067292)
Title: Re: Bank refused to open business account
Post by: Vikkiz on November 02, 2019, 07:18:56 PM

Best advice is to get yourself a PAYE job
Even better advice would be to get a civil/public service job!  No need to work, you don't even have to turn up, you don't have to pay for your pension...

The state pension (as we know it) is also on the way out - except for the above lucky ones  ::fds

https://www.irishtimes.com/news/politics/automatic-pension-scheme-to-be-introduced-over-decade-1.4067292 (https://www.irishtimes.com/news/politics/automatic-pension-scheme-to-be-introduced-over-decade-1.4067292)
Become a politician so. Don’t promise too much, Just enough to get you re-elected each year
Title: Re: Bank refused to open business account
Post by: Rat Catcher on November 03, 2019, 05:09:15 PM
If you're just doing a bit part-time to top up another income fair play. However, if you're considering taxi driving as the sole household income on which you want to fund a house purchase you're probably urinating into the wind. I know a good few immigrant drivers with mortgages but, in most cases, they have working wives/husbands/partners. I guess the economic upturn dictates that we need immigrants for low skills jobs like driving, cleaning, etc... Maybe we'd have more to whinge about if the economy was still in recession.
Title: Re: Bank refused to open business account
Post by: gbowden on November 03, 2019, 05:43:32 PM
If you're just doing a bit part-time to top up another income fair play. However, if you're considering taxi driving as the sole household income on which you want to fund a house purchase you're probably urinating into the wind. I know a good few immigrant drivers with mortgages but, in most cases, they have working wives/husbands/partners. I guess the economic upturn dictates that we need immigrants for low skills jobs like driving, cleaning, etc... Maybe we'd have more to whinge about if the economy was still in recession.
Thanks for all the replies. A lot of food for thought.

Yes I work full time, this is to top up my wage.

I wouldn’t class driving a low skilled job, you have to have a lot of skills, even the test I had to pass was difficult hence why there is a low pass rate.






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Title: Re: Bank refused to open business account
Post by: Shallowhal on November 03, 2019, 06:02:00 PM
I think Jack from Cork will like your work ethic!! lol
Title: Re: Bank refused to open business account
Post by: vandriver on November 03, 2019, 06:56:01 PM
I delivered pizzas and Chinese for years.You can make a ton a night in the pocket which might suit you better.
Title: Re: Bank refused to open business account
Post by: Shallowhal on November 03, 2019, 08:35:27 PM
I delivered pizzas and Chinese for years.You can make a ton a night in the pocket which might suit you better.

Often wondered how much drivers get paid for takeaway deliveries.....do tell!!
Title: Re: Bank refused to open business account
Post by: vandriver on November 03, 2019, 08:50:00 PM
The place I worked was 5 an hour from the shop,2.50 a delivery and great tips.Normally worked out near 20 an hour.
Title: Re: Bank refused to open business account
Post by: Belker on November 04, 2019, 07:55:24 AM
I delivered pizzas and Chinese for years.You can make a ton a night in the pocket which might suit you better.
Often wondered how much drivers get paid for takeaway deliveries.....do tell!!
I did pizza deliveries fer about a year from the taxi, I used to be checked in with the base as well and worked both.
The pay was a flat 35 per night (7pm to 11pm) + 3Euro per job + Tips were your own, average about 75 a night just from the pizza man.
Title: Re: Bank refused to open business account
Post by: Belker on November 04, 2019, 08:01:59 AM
€370 with Lynk seems reasonable when you put it like that. €200 for a poorly maintained piece of shit + €120 insurance + €250 Free Now Freight... no brainer IMO, Ebbs tends to maintain his motors properly and probably has replacements where required. He seems to be going the Prius route these days so I guess there's some fuel savings compared to some of the thirstier diesels on the road and I think they're mostly automatic so a bit easier on the joints over the long shifts you ought to do while you get the price of a new new new new ne new standard WAT together.
I would agree with Ratcatcher on all of the above if you want to do this gig full-time, if you take it on as a part time gig then you will most likely only manage to break even every week. A renter will not give you a weekly discount if'n you decide to work Thurs to Sun only.
Title: Re: Bank refused to open business account
Post by: Belker on November 04, 2019, 08:18:35 AM
@ gbowden, If you are serious about this job, then you need to put away 110Euro a week in to a separate 'untouchable' account, work your bollix off fer 3 years and then you will have 17K to buy your own 5 year old Mini wheelchair taxi + 10 year license, and your taxi insurance by then should be down to about 3K.
Have a peep here; http://wheelchairtaxi.ie/ (http://wheelchairtaxi.ie/)
Title: Re: Bank refused to open business account
Post by: gbowden on November 04, 2019, 09:43:58 AM
@ gbowden, If you are serious about this job, then you need to put away 110Euro a week in to a separate 'untouchable' account, work your bollix off fer 3 years and then you will have 17K to buy your own 5 year old Mini wheelchair taxi + 10 year license, and your taxi insurance by then should be down to about 3K.
Have a peep here; [url]http://wheelchairtaxi.ie/[/url] ([url]http://wheelchairtaxi.ie/[/url])

 Thanks for the above Belker




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Title: Re: Bank refused to open business account
Post by: Shallowhal on November 04, 2019, 10:26:35 AM
@ gbowden, If you are serious about this job, then you need to put away 110Euro a week in to a separate 'untouchable' account, work your bollix off fer 3 years and then you will have 17K to buy your own 5 year old Mini wheelchair taxi + 10 year license, and your taxi insurance by then should be down to about 3K.
Have a peep here; [url]http://wheelchairtaxi.ie/[/url] ([url]http://wheelchairtaxi.ie/[/url])


He/she has a fulltime job though,might be a handy civil service job,
Why anyone would want to hold down a fulltime job and then work (possibly) 12hr shifts on Fri,Sat night and maybe give up their Sunday aswell driving a taxi is beyond me.