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@The_Seldom_Killer
Velocio,
I realise that you've done a lot of work with the bank in trying to get this going, but have you considered looking at whether a credit union is better suited to the initial stages of setting up the club. Although subject to the same FSA regulations, they do tend to be a bit more community minded about getting things up and running for people and may have more on the ground experience of helping small, start up NPOs.