Ben Drain @bcdrain

Senior leader, CEO, Director in the further education industry essex Joined March 2011

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Ben Drain @bcdrain

6 years ago

@autoquestlondon @Bounce_BackLoan I am surprised there aren’t more of these. HSBC inhibiting accounts all over the place

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Ben Drain @bcdrain

6 years ago

@VodafoneUK thanks for screwing up swapping my esim from my old phone to my new phone! Returning my new #iPhone12Pro and switching to network who cares! #useless #CustomerService

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Ben Drain @bcdrain

6 years ago

@HSBCUKBusiness @HSBC_UK a block on our account for 6 days and no information and no help, what the hell is going on?! #Blocked #HELP

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Ben Drain @bcdrain

6 years ago

@VodafoneUK pretty sure you are going to need to make an announcement that the network is down soon, save you a lot of time #moreissues

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Ben Drain @bcdrain

6 years ago

@Bounce_BackLoan Feels like abuse of the system to me

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Ben Drain @bcdrain

6 years ago

@Bounce_BackLoan 😂 only if they are blind and foolish 😂

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@ChrisWi05516715 @Bounce_BackLoan 😂😂😂 you really don’t like somebody having a view that is different to yours do you? And I am still waiting on the so called proof given that banks are not allowed! Yes the business is asked to self certify, but where does it say the bank cannot check it?

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan I have never said about affordability check, I have said all along about the bank determining somebody ineligible because the have requested more than 25% of the turnover they can prove.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan I still have not seen anything that says banks will not face action for allowing ineligibility or lending above the allowed amount.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan If there is a document that says a bank is not allowed to check the amount requested meets the 25% that should be easy to prove? If there is no such rule / document then you cannot say they are not allowed to do it.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan I agree that first year of trading is going to be estimated, but after that banks could check if they wanted to.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan Yes you could, but what I am saying is Starling would have been allowed to check what you had asked for if they had wished to. I don’t see anywhere that is says they can’t.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan No it’s not, you are only eligible to apply for up to 25% if your turnover or £50k, whichever is lower. If you apply for more, then you have made yourself ineligible.

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Ben Drain @bcdrain

6 years ago

@ChrisWi05516715 @Bounce_BackLoan My question wasn’t about affordability. If somebody applies for more than 25% of their turnover, they are not eligible for that, which means wherever possible the bank would have to check that, wouldn’t they?