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20 Jan 2017


Your Business accounts - at a glance

Up-to-date account information
To get your current balances or find out about other accounts you have that
aren't listed here, log on to online banking (if you're registered), or call us on
0345 605 2345 .

Your balances on 20 January 2017

Business Current Account
Ray of Hope People A Registered Charity 7,509.87
Number 1146115

Sort Code 20-92-60 Account no 43641341

Business Savings Account

Ray of Hope People A Registered Charity 0.00
Number 1146115

Sort Code 20-92-60 Account no 63455440

This is the end of your account summary.


Sort Code 20-92-60

Account No 43641341

IBAN GB24 BARC 2092 6043 6413 41

Issued on 23 January 2017


At a glance
Your Community Account
23 Dec 2016 20 Jan
Start balance 3,282.72
Date Description Money out Money in Balance
Money out 9,482.85
23 Dec Start Balance 3,282.72
Commission charges 0.00
28 Dec On-line Banking bill payment to 800.00 2,482.72 Tax paid 0.00
Inayam Ref:-NEW PAPER
Money in 13,710.00
29 Dec Direct credit from Paiva F N 60.00 2,542.72 Gross interest received 0.00
Ref: Sujika/Sep-Dec
Net interest received 0.00
Deposit re 12Harrow 100284 450.00 2,992.72
End balance 7,509.87

Deposit re 05South Harrow 100280 2,250.00 5,242.72

Deposit re 46Alperton 100282 2,750.00 7,992.72 Your deposit is eligible for protection
by the Financial Services
Deposit re 18Harrow 100283 3,050.00 11,042.72 Compensation Scheme.

30 Dec On-line Banking bill payment to 2,839.00 8,203.72

Global Exchange Ref:-RAY OF HOPE

3 Jan On-line Banking bill payment to 119.00 8,084.72

Brent Revenue & Be Ref:-32943222

On-line Banking bill payment to G M 1,636.80 6,447.92

Properties Ref:-RENT

On-line Banking bill payment to Mrs 180.00 6,267.92

P Suntharesan Ref:-MONEY COUNT

On-line Banking bill payment to 243.25 6,024.67

J.Menahan Ref:-WAGES

On-line Banking bill payment to Mrs 249.55 5,775.12

Uumaa Kaanthi Ref:-WAGES

On-line Banking bill payment to DS 280.42 5,494.70

Officesolution Ref:-PRINTER LEASE


Barclays Bank PLC. Registered in England. Registered No. 1026167. Registered office: 1 Churchill Place, London E14 5HP. Page 124
Ray Of Hope People A Registered Charity Number 1146115 Sort Code 20-92-60 Account No 43641341

Date Description Money out Money in Balance


Balance brought forward from previous page 5,494.70

3 Jan On-line Banking bill payment to K 890.00 4,604.70

Jeyaratnam Ref:-MONEY COLLE

Standing order from 2.00 4,606.70

Tharmapalasingam .
Ref: Tharmapalasingam

Standing order from Rajharan S 2.00 4,608.70

Ref: Raj 07957466170

Standing order from Kogulan 5.00 4,613.70

Ref: Kogulan

Standing order from Sasiharan S. 10.00 4,623.70

Ref: Sasiharan

Standing order from Mariampillai 15.00 4,638.70


Standing order from Kumanan 20.00 4,658.70

Ref: Kumanan Somas

Standing order from VP & Son Ltd 50.00 4,708.70


Standing order from Manamohan A 2.00 4,710.70

Ref: Manamohan A

5 Jan Direct Debit to Dvla-ET07Eox Ref: 120.75 4,589.95


6 Jan Deposit re 41High Wycombe 945.00 5,534.95


9 Jan Direct Debit to Google Ireland Ltd 9.90 5,525.05

Ref: 11988380GD25Wcumkj

Direct Debit to Close Premium Fin 149.18 5,375.87

Ref: 70439605

Direct credit from Immanuel Tam 390.00 5,765.87

Ref: Immtamilchrdec16

Standing order from Thangavelu M 2.00 5,767.87

Ref: .

10 Jan Standing order from S 10.00 5,777.87

Ref: Charity

16 Jan On-line Banking bill payment to 125.00 5,652.87


On-line Banking bill payment to 800.00 4,852.87

Inayam Ref:-NEW PAPER

Standing order from M Arulnandam 2.00 4,854.87


Page 125
Ray Of Hope People A Registered Charity Number 1146115 Sort Code 20-92-60 Account No 43641341

Date Description Money out Money in Balance


Balance brought forward from previous page 4,854.87

16 Jan Standing order from Atputharajah T. 3.00 4,857.87

Ref: Atputharajah

Standing order from 10.00 4,867.87


Standing order from Srirangana L 2.00 4,869.87

Ref: L Srirangana

Deposit re 11Harrow 100286 570.00 5,439.87

Deposit re 11Harrow 100287 3,060.00 8,499.87

19 Jan On-line Banking bill payment to K 1,040.00 7,459.87

Jeyaratnam Ref:-MONEY COL EXP

20 Jan Standing order from Maher Superm 50.00 7,509.87

Ref: Maher Supermarket

20 Jan Balance carried forward 7,509.87

Total Payments/Receipts 9,482.85 13,710.00

Anything wrong? If you notice any incorrect or unusual transactions, see the next page for
how to get in touch with us.

Barclays Bank PLC. Registered in England. Registered No. 1026167. Registered office: 1 Churchill Place, London E14 5HP. Page 126
Helpful Information Get in touch

e) address any concerns that you may have.

Dispute resolution
Register for Text Alerts. Business banking customers can
If you have a problem with your agreement, please try to register for our 'Near Limit' Text Alert which is designed to help Online
resolve it with us in the first instance. If you are not happy you avoid going overdrawn (if you don't have an agreed barclays.co.uk
with the way in which we handled your complaint or the overdraft limit), or exceeding your agreed overdraft limit, by
result, you may be able to complain to the Financial notifying you when your balance falls below a figure you specify.
Ombudsman Service. If you do not take up your problem withOnce you have signed up for this Text Alert, if your account On the phone
us first you will not be entitled to complain to the goes into an unauthorised overdraft and you incur a Paid
Ombudsman. We can provide details of how to contact the Referral Fee, we'll send you a Paid Referral Fee Text Alert the
following working day (Monday - Friday) to let you know. By Talk to an advisor 7am - 11pm or
acting on this information you have the opportunity to clear use our 24-hour automated
Important information about compensation your unauthorised overdraft and avoid further fees and charges. service
arrangements You can register for Text Alerts through Online Banking, in any
of our branches or over the phone. Visit
We are covered by the Financial Services Compensation
barclays.co.uk/businessbankingtextalerts for more information. Write to us
Scheme (FSCS). The FSCS can pay compensation to depositors
Terms and conditions apply.
if a bank is unable to meet its financial obligations. Most Barclays,
Go online for more support. For useful tips to keep on top of
depositors including most individuals and businesses are your cashflow, helpful downloadable tools, and a simple guide to Leicester
covered by the scheme. borrowing, visit barclays.co.uk/businessfinance
In respect of deposits, an eligible depositor is entitled to claim up
LE87 2BB
What fees and charges could you incur? If we process the
to 75,000. For joint accounts each account holder is treated as payment, you will incur a Paid Referral Fee of 30 when the
having a claim in respect of their share so, for a joint account unauthorised overdraft is more than 30 and on each occasion
held by two eligible depositors, the maximum amount that could it increases by more than 30. You'll be pre-notified at least 14
Your branch
be claimed would be 75,000 each (making a total of days before the fee(s) is applied to your account in line with LEICESTER, LE87 2BB
150,000). The 75,000 limit relates to the combined amount in your charging period. If we decline your request and an item is
all the eligible depositor's accounts with the bank, including their returned, you will incur an Unpaid Fee of 35 for our service of
share of any joint account, and not to each separate account.
considering the requested payment and for dealing with the Lost and stolen
bank the payment would have been sent to. The fee will be
Barclays Bank PLC may also accept deposits under the following applied to your account at the time it is incurred and we will cards
trading names; Barclays, Barclays Bank, Barclaycard, Barclays notify you in writing. Interest will be charged at 29.5% per
Business, Barclays Capital, Barclays Corporate, Barclays
01604 230 230
annum on an unauthorised overdraft, calculated on a daily basis.
Stockbrokers, Barclays UK & Ireland Private Bank, Barclays You'll be pre-notified at least 14 days before the interest charges -24 hours
International Private Banking, Barclays Premier, Barclays Private are applied to your account in line with your charging period. We Tell us straight away if:
Bank, Barclays Wealth and Woolwich Mortgages. Deposits may change our fees and charges from time to time but if we do
you do not receive a
accepted from an eligible depositor under these trading names this, we'll give you at least two months' notice of any such
changes. Barclays card you were
are combined for the purposes of deposit compensation from
the FSCS. The FSCS is not applicable to deposits held at Interest
branches in the Channel Islands or the Isle of Man. any of your cards are lost,
Interest is calculated daily on the cleared balance of your
We periodically issue the FSCS information sheet and exclusions stolen, or damaged
account at the close of business. We'll let you know if interest is
list which set out in detail what is, and is not, covered by the calculated on the statement balance rather than the cleared you think someone else
FSCS. balance. The cleared balance includes only credits and debits may know your PIN
For further information about the compensation provided by the that have cleared. Ask your branch or Barclays Business Team Call charges will apply (please
FSCS, refer to the FSCS website at www.FSCS.org.uk. for details of clearance times and the dates when we pay or check with your service
charge interest. The rates of interest shown are current at the provider). We may monitor or
Important information about going overdrawn
time of printing this statement and may have changed during record calls for quality,
without an agreed overdraft limit or exceeding the period of the statement. security, and training.
your agreed overdraft limit In accordance with UK tax legislation, from 6 April 2016 interest
Fees and charges can apply if there is not enough money in your is paid gross. For UK resident individuals (including sole traders
account(s) to make a payment and so cause an unauthorised or partnerships), if you are a UK taxpayer you may have to pay Follow us
overdraft on your account(s). tax on interest earned in excess of your Personal Savings
What is an unauthorised overdraft? Allowance. For information and guidance please refer to HMRC's www.facebook.com/
An unauthorised overdraft occurs where either: website www.gov.uk/hmrc/savingsallowance barclaysbusinessuk
a) you go overdrawn on your account without agreeing an
The management of your tax affairs is your responsibility,
overdraft with us first; or
b) you exceed your agreed overdraft limit.
including making any required declarations to the relevant tax www.twitter.com/
c) not every Barclays product will allow you to go overdrawn or authority(ies), where you are tax resident. barclaysbizchat
exceed your agreed overdraft limit. Please check your terms If the statement shows that we have applied interest to your
and conditions for more information. account, we'll give you on request details of the rate(s) of youtube.com/
If you try to make any payment from your account and you interest used and a clear explanation of how the interest was BarclaysUK
don't have the funds available, or if we have reasonable grounds calculated. Details of Barclays interest rates for business
to believe that you won't have sufficient funds on the date that customers are available at barclays.co.uk/businessbanking. www.linkedin.com/
the payment will be made from your account, we will treat this
Barclays Corporate
as a request to make, or extend, the use of our unauthorised
overdraft facilities. It's within our discretion to process the Banking
payment or return it unpaid, for which a fee will be charged.
What can you do to help avoid or limit unauthorised overdraft
fees and charges?
Get In Touch.If you become aware in advance that payments
may take your account into an unauthorised overdraft, please
contact us as early as possible so that we can discuss the ways
we could help. This will maximise the chances of us being able
a) understand any changes in your business and explore the
options available;
b) consider options for authorised borrowing facilities;
c) facilitate payments being made;
d) limit the costs associated with returned items or
unauthorised borrowing;
Helpful Information continued

Using your debit card in the UK and abroad

Barclays will charge you a 2.75% Non-Sterling Transaction Fee
for using your debit card abroad when making purchases,
withdrawing cash, or when you are being refunded. This fee will
also apply whenever you do not pay in sterling, for example
when you shop online at a non-UK website.
On top of this, if you're getting cash over the counter at a bank
abroad (including Barclays), or using an ATM other than a
Barclays ATM or an ATM at a Global Alliance member bank,
youll also be charged a 2% Non-Sterling Cash Fee (minimum
1.50, maximum 4.50) and the ATM provider may apply other
charges. From 1st January 2013 the Non-Sterling Cash Fee will
be 1.50 for each applicable transaction regardless of the
amount withdrawn.
VISA converts transactions into sterling using the VISA
Exchange Rate on the day it processes the transaction. This
date may be different to the day on which the transaction took
place. Historic exchange rate information is available on
When using your debit card abroad some merchant terminals or
ATMs may offer you the choice of paying for your transaction in
sterling. If you choose to pay in sterling the 2.75% Non-Sterling
Transaction Fee will not apply, but you should always try to find
out what the merchant or ATM provider's commission charges
are and what exchange rate they are using, as overall it may be
more expensive to pay in sterling.

International Bank Account Number (IBAN)

and Bank Identification Code (SWIFTBIC)
Your IBAN and SWIFTBIC are shown on the front of your
statement. By using them you could reduce charges when
receiving international payments in euros. Find out more at:

Getting information from Barclays

We send information to Business banking customers with their
statements about relevant new offers and products. If you don't
get these messages and you'd like to, or if you do and you'd
rather you didn't, just call us, or come into a branch. And if you
change your mind at any time, just get in touch.

You can get this in Braille, large print or audio by calling 0800 400 100 (via Text Relay if appropriate)
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number:
122702). Registered in England. Registered No. 1026167. Registered office: 1 Churchill Place, London E14 5HP.
*To maintain a quality service, we may monitor and record phone calls. Calls to 03 numbers are charged at the same rate as calls to 01 and 02 landlines, and will count towards any inclusive minutes you
may have covering calls to landline numbers. Call charges may differ, please check with your local provider.