The ‘Clyde’ Column©
THE BANKS—FORM FILLERS AND BOX TICKERS.
he privileges we cab drivers enjoy for being part of the army of self-employed workers are surely few and far between.
T
None more so than whenever the need arises and we put ourselves forward for a mortgage or bank loan. On initial contact at the bank we are immediately pigeon-holed as an alien species or at least classed as a customer who now comes under more scrutiny than any other customer who decides to go for the same loan or mortgage.
We are met with the usual smiling face when we make our routine visit to the bank. This smiling face remains constant and is very reassuring that the bank or building society, or dare I say it
from the same hymn sheet) portrays an image of being friendly and most importantly sending out the vibes that they are there to help.
All this turns sour when we whisper the magic
sends shock waves through our once friendly
LOAN is required, instantly trots off to acquire the very latest version of the self-employed application forms.
“HAVE WE ANY INTENTION OF GIVING YOU
always the greatest guys in the world when we turn up immediately and take them to the airport after their private hire car fails to appear. At 3:am when they are just leaving a function or night club and bouncing from one moonbeam to another, we are again their savoir and the
are told that they know what it takes to be a self-employed cabbie and how, after years of training, they can relate to our problems. But in the cool light of day when they have their
begins nothing is more paramount than
the old system all over again with the “One
seem to think they are, all cocooned within their highfalutin banking establishment, they follow the procedures from their jumped up superiors
without question. In short, they have their blinkers on and follow the rules and regulations
German people in 1939.
We have lost the old bank manager of yesteryear. The manager who recognized his customers and knew what they did for a living; the manager who could assess the situation and sort out the wheat from the chaff. He has now disappeared for good and left this vacuum that
I recently applied for a re-mortgage for the home I have stayed in for 5 years and was surprised to be told that I had too much debt and that the mortgage application would not
purchase agreements and together with my
off the schoolteacher reply, I was then told that my salary could not support the level of debt that I had acquired. I asked what my credit
obviously prompted the question: “If my credit
purchase agreements were for working vehicles and that these agreements would vary from time to time but would always remain constant. I also made clear that it was business hire purchase and did not affect my salary. The smiling face came through once again and I realized that I
directions from the greedy effers above.
The hierarchy had spoken and there would be no further reasoning or common sense injected into
self-employed. In my view they never attempted to understand the self-employed nor do I think
38 years of self-employment can be regurgitated by many of you guys up and down the length and
the past 4 decades they seem to have learned absolutely nothing about us.
It has been proven on countless occasions that growth in the economy always comes
we are still pigeon holed as a bad risk. We have come to accept that when we apply for
companies associated with the cab trade can help us achieve these borrowings.
for this privilege and very often far too much more, but nevertheless it is still an option that is available.
Just to digress for a brief moment, but while
I just say that I am eternally grateful for the
many of my projects ranging from buying vehicles, paying bills, and funding holidays etc. They even have special funding for paying our
really helps to bite into the loan and reduce the
our fellow drivers and offer low cost loans for whatever reason.
If there is one piece of advice I could give to
and register for a friendly, informal reception.
your privilege. Tell them Jack sent you.
Taxi Trade Credit Union
Tel: 0141 429 5394 Fax: 0141 429 8161
Email: info.taxicreditunion.com Web: www.taxicreditunion.com
or visit us at 236 Wallace Street, Kingston Quay, Glasgow, G5 8AE
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