your File name look like this ?
bgcash.txt
if yes..then your npc path should be like this
npc: npc/custom/bgcash.txt
if still cant...printscreen the error and show us
the current 1 didnt work for Guild Checking ? i though it would work...
change
if( getguildname( getcharid(2) ) != .Guild$[.@i] ){
into
if( getguildname( getcharid(2) ) != .Guild$[.@i] || !getcharid(2) ){