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OSCAR MARTINEZ

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Review of the Abound, Personal loans:

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Clear, Transparent and Efficient Service

I’ve had a very positive experience with Abound so far. The whole process has been straightforward, with clear communication at every stage. What I value most is the transparency in how everything is explained — there are no hidden surprises, and you always know where you stand. Whenever I’ve had a question or needed support, their team has responded quickly and efficiently, resolving things in a clear and concise manner. It genuinely feels like they prioritise the customer experience rather than just processing applications. Overall, a reliable and well-managed service that I would be happy to recommend. Reviewed on: 24th March 2026

Review of the Zempler Bank, Business account:

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BANK TO AVOID AT ALL COSTS, WORSE THAN IF IT HAD THE BUBONIC PLAGUE

It is a bank that in its advertising boasts of being a High Street Bank, and in 4 minutes you can have the account. It's true, I was 5 minutes late, I can forgive you for that. Being a foreigner opening a company in the UK, I followed the advice of my accountant and after making a couple of inquiries on the Internet, after having obtained the company number from Companies House, I applied like any other person. I actually filled out the application, and five minutes later I already had an account number. I thought, how fast the procedures are in the UK, compared to my country of origin. Next, I think it is normal for anyone who is opening a company in the UK, you inform both your accountant and the insurer of your Liability Insurance of said bank account number, and finally to the recruitment agency for which you are working to credit the invoices you issue into said account. I made the transfer from my personal account that is in a different entity, and after a couple of days I received the aforementioned debit card at my home. Meanwhile, I downloaded the app to my smartphone, and I also took care of having access via the Web. So far so good. A day later I receive an SMS. Your account has been blocked. You need to provide proof of address. I also receive an email with the same subject, with a link where I can upload the required documents, the normal thing, or so I thought, two documents to prove identity, and two additional documents for proof of address. I usually have my documentation scanned so I attached it to said link, thank you and it may take up to 5 workdays to examine said documentation. And this is when you hear that the trap for the unwary has been closed around you without you knowing it, because you have started a company, which if I may use the example is like being inside a vehicle that is traveling at 200 mph, and suddenly They tell you that they will remove the wheels until the documentation has been examined, but at the same time the vehicle continues in motion, that is, you completely lose operational control of the company. You let a reasonable period of days pass and you notice that since you uploaded the documents, there has been no feedback of any kind from Cashplus. You start to see ways to contact them, and after browsing the different pages of their website everything goes through their customer service number by phone. As a foreigner, in a face-to-face conversation you always have more room to communicate, but when you call their call center, you suddenly find yourself in the middle of an English pronunciation test. Until call number 15, was when I managed to pass their security test for the first time, because the operators assured that my pronunciation was not adequate and that I did not pass the test. I have been sending documentation like an idiot, having said documentation rejected arguing that it did not pass their draconian conditions for them to admit a scanned document. Every time you call they only know how to answer that you look on their website at the list of documentation they accept and "WHAT CONDITIONS EACH OF THE DOCUMENTS PROVIDED MUST MEET". It has been exasperating the amount of time I have wasted with this bank, which is still a supplier, and which has withheld money from me for an invoice paid by my client, to which I cannot have access as long as I do not get overcome their "security checks". I've had my account blocked for 20 days now. Conclusion I created a business bank account in Revolut, within 24 hours it was operational and I have been able to receive payments from my clients and be able to pay the first installments of the direct debits that I had first debited in CashPlus. Avoid CashPlus at all costs and do like me and go to Revolut to open the bank account. I hope this review is useful to you when you are reading it, because based on reviews of this style is how users can protect ourselves from these types of companies that use bad tricks to capture unsuspecting people like me on this occasion. Reviewed on: 28th September 2023

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