"Obviously, this type of account is useless for a small retail business. Maybe you could consider warning retailers about it?" Consider it done.
Kevin concludes: "Clearly, we need to do our own money laundering these days. One way to reduce charges is to ensure that all income tax, PAYE and VAT are paid with cash using a bank giro paying in slip. The VAT office will even supply them if you ask.
"If the government can be obliging by allowing us to pay by cash, why can't our other wholesalers do the same? They need to appreciate that the world has changed. Direct debits are expensive!"