IMPORTANT - Up-Front Payment and Advanced Fee Fraud

Up-Front Payment and Advanced Fee Fraud

Business Loans Scotland is aware of an Advanced Fee Fraud using our name or initials “BLS”. This Fraud induces individuals into believing they are applying for a fast loan but before an individual receives the loan they are told they must pay an upfront fee. Once the fee is paid, the victim does not hear from the company again and the loan is never received.
Business Loans Scotland does not ask a Borrower for any fees up-front and any promise of this type of loan requiring an up-front fee is a CON.
If a fraud has been committed, please report it immediately to the Police.

Freedom of Information

Guide to information available through our FOI Publication Scheme

The Freedom of Information (Scotland) Act 2002 (the Act) requires Scottish public authorities to produce and maintain a publication scheme. Authorities are under a legal obligation to:

  • publish the classes of information that they make routinely available
  • tell the public how to access the information and what it might cost.

Business Loans Scotland Ltd (BLS) has adopted the Model Publication Scheme 2015 produced by the Scottish Information Commissioner. He has approved this scheme until 31 May 2019. You can see this scheme on our website at www.bls.scot or by contacting us at the address below.

The purpose of this Guide to Information is to:

  • allow the public to see what information is available (and what is not available) in relation to each class
  • state what charges may be applied
  • explain how to find the information easily
  • provide contact details for enquiries and to get help with accessing the information
  • explain how to request information we hold that has not been published

Availability and formats

The information we publish through the model scheme is, wherever possible, available on our website. We offer alternative arrangements for people who do not want to, or cannot, access the information online or by inspection at our premises. For example, we can usually arrange to send information to you in paper copy (although there may be a charge for this).

Exempt information

We will publish the information we hold that falls within the classes of information below. If a document contains information that is exempt under Scotland’s freedom of information laws (for example sensitive personal information or a trade secret), we will remove or redact the information before publication and explain why.

Copyright

Where Business Loans Scotland holds the copyright in its published information, the information may be copied or reproduced without formal permission, provided that:

  • it is copied or reproduced accurately
  • it is not used in a misleading context, and
  • the source of the material is identified.

Where Business Loans Scotland does not hold the copyright in the information we publish, we will make this clear.

Charges

This section explains when we may make a charge for our publications and how any charge will be calculated.

There is no charge to view information on our website or at our premises except where there is a statutory fee, for example, for access to registers.

We may charge for providing information to you e.g. photocopying and postage, but we will charge you no more than it actually costs us to do so. We will always tell you what the cost is before providing the information to you.

Our photocopying charge per sheet of paper is shown in the tables below:

Black and white photocopying

Size of paper

Pence per sheet of paper

A1

10p per page

A2

10p per page

A3

10p per page

A4

10p per page

A5

10p per page

 

Colour photocopying

Size of paper

Pence per sheet of paper

 

A1

30p per page

A2

30p per page

A3

30p per page

A4

30p per page

A5

30p per page

 

Information provided on CD-Rom will be charged at £1.50 per computer disc.

Postage costs will be recharged at the rate we paid to send the information to you.

When providing copies of pre-printed publications, we will charge no more than the cost per copy of the total print run.  

We do not pass on any other costs to you in relation to our published information.

Please note that this charging schedule does not apply to our commercial publications (see Class 8 below). These items are offered for sale through retail outlets such as book shops, academic journal websites or museum shops and their price reflects a ‘market value’ which may include the cost of production.

 

Contact us

You can contact us for assistance with any aspect of this publication scheme:

Business Loans Scotland
London Road Centre,
London Road,
Kilmarnock,
KA3 7BU

Or by email at: foi@bls.scot
Or by Phone: 01563 554851

We will also advise you how to ask for information that we do not publish or how to complain if you are dissatisfied with any aspect of this publication scheme.

 

The classes of information that we publish

We publish information that we hold within the following classes. Once information is published under a class we will continue to make it available for the current and previous two financial years.

Where information has been updated or superseded, only the current version will be available. If you would like to see previous versions, you may make a request to us for that information.

Please note, the Fund is required to publish the information it holds which falls within the following classes. Where the Fund does not hold information within a class, it will be indicated below the class description.

Where links are provided to web pages, the link will be to a specific document, relevant page or section of the website.

CLASS 1: ABOUT THE FUND     

 

Class description:

Information about the fund, who we are, where to find us, how to contact us, how we are managed and our external relations

 

The information we publish under this class

 

How to access it

Business Loans Scotland

 

 

Address Information

 

Either via the website: www.bls.scot

 

www.bls.scot/complaints-policy.aspx

 

www.bls.scot /foi.aspx

 

Or in writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email to: foi@bls.scot

 

Or phone: 01563 554851

 

Contact Details

 

Complaints Policy

 

Publication Scheme & Guide

 

 

Memorandum & Articles of Association

 

In writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email to: foi@bls.scot

 

Or phone: 01563 554851

 

Governance of the Scheme incorporating Board and Committee information

 

Memorandum & Articles of Association

 

Governance of the Scheme incorporating board and committee information

 

 

CLASS 2: HOW WE DELIVER OUR FUNCTIONS AND SERVICES

 

Class description:

Information about our work, our strategy and policies for delivering functions and services and information for our service users

 

The information we publish under this class

 

How to access it

The purpose and role of the Fund

Either via the website:

www.bls.scot

 

Or in writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email to: foi@bls.scot

 

Or phone: 01563 554851

 

Information on the application process

 

 

 

CLASS 3: HOW THE FUND TAKES DECISIONS AND WHAT IT HAS DECIDED

 

Class description:

Information about the decisions we take, how we make decisions and how we involve others

 

The information we publish under this class

 

How to access it

Governance of the Scheme incorporating board and committee information

In writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email: foi@bls.scot

 

Or phone: 01563 554851

 

Minutes, agendas and reports for BLS

 

CLASS 4: WHAT THE FUND SPENDS AND HOW IT SPENDS IT

 

Class description:

Information about our strategy for, and management of, financial resources (in sufficient detail to explain how we plan to spend public money and what has actually been spent

 

The information we publish under this class

How to access it

 

 

Annual Accounts

In writing to:

 

Business Loans Scotland

London Road Centre,

London Road,

Kilmarnock,

KA3 7BU

 

Or by email: foi@bls.scot

 

Or phone: 01563 554851

 

 

CLASS 5: HOW THE FUND MANAGES ITS HUMAN, PHYSICAL AND INFORMATION RESOURCES

 

Class description:

Information about how we manage the human, physical and information resources of the Fund

 

The information we publish under this class

 

How to access it

Annual Accounts

In writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email: foi@bls.scot

 

Or phone: 01563 554851

 

Governance of the Scheme incorporating board and committee information

Minutes, agendas and reports for BLS

 

CLASS 6: HOW THE FUND PROCURES GOODS AND SERVICES FROM EXTERNAL PROVIDERS

 

Class description:

Information about how we procure goods and services, and our contracts with external providers

 

 

The information we publish under this class

How to access it

All contracts valued at £10,000 and over will be subject to a formal tender procedure.  

In writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email: foi@bls.scot

 

Or phone: 01563 554851

 

 

CLASS 7: HOW OUR FUND IS PERFORMING

 

Class description:

Information about how the fund performs as an organisation, and how well it delivers its functions and services

 

The information we publish under this class

How to access it

Annual Accounts

In writing to:

 

Business Loans Scotland

London Road Centre

London Road

Kilmarnock

KA3 7BU

 

Or by email: foi@bls.scot

 

Or phone: 01563 554851

 

Governance of the Scheme incorporating board and committee information

Minutes, agendas and reports for BLS

 

CLASS 8: OUR COMMERCIAL PUBLICATIONS

Class description:

Information packaged and made available for sale on a commercial basis and sold at market value through a retail outlet e.g. bookshop, museum or research journal.

 

The information we publish under this class

 

How to access it

N/A

 

 

Updated 14th March 2019

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