Carl Pickering a local business man in a derelict northern town. Having met numerous people and business who received cheques but are unable to convert it to cash due to their limited access to banking facilities, Carl decided to set up a business to assist this community with this problem. After obtaining his license from the financial authorities and trading successfully for the last 10 years,his Bank decided to close down his business banking account with 2 months notice.

The loss of this facility would spell the end of his business and service he provides to this community.

The closure of Carl's business would affect thousands of people who represent the poorest in society who rely on the ability to cash cheques at a low cost.

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