Discussion
LooneyTunes said:
insurance_jon said:
TIf you need to pay cash in this is done via branches of Nat West or HSBC IIRC
NatWest - but you can't use the automated paying in machines and sometimes the non-NatWest paying in book confuses them.Manks said:
Perhaps we are just unlucky round here, but the local lot aren't so much as cautiously prudent, more a bunch of plodders.
Unfortunate. As you likely know, the branch network is expanding rapidly, so I guess a.) there's plenty of business for them and b.) plodders won't be on the management radar for a while.O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Digga said:
Unfortunate. As you likely know, the branch network is expanding rapidly, so I guess a.) there's plenty of business for them and b.) plodders won't be on the management radar for a while.
O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Which smacks to me of them saying one thing and doing another. Something I have noticed about them before.O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Manks said:
Digga said:
Unfortunate. As you likely know, the branch network is expanding rapidly, so I guess a.) there's plenty of business for them and b.) plodders won't be on the management radar for a while.
O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Which smacks to me of them saying one thing and doing another. Something I have noticed about them before.O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Digga said:
Manks said:
Digga said:
Unfortunate. As you likely know, the branch network is expanding rapidly, so I guess a.) there's plenty of business for them and b.) plodders won't be on the management radar for a while.
O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Which smacks to me of them saying one thing and doing another. Something I have noticed about them before.O/T one sad fact our manager realtes is that although they are getting new clients, there are almost no new businesses or projects - it's all accounts being taken from other banks. The lack of new start-ups is a real worry and they do seem keen to have (viable) start ups too.
Just had a little chat with my local branch. They don't seem very keen on taking on any business that has shown a loss at any time in the last 5 years. We've had a couple of bad years and, even though we've been profitable for the 9 years before that & are on target for a healthy profit this year and have never had a loans or overdraft (yeah, I know - that makes us lousy customers anyway) - they're not sure they can offer us an account.
marshalla said:
Just had a little chat with my local branch. They don't seem very keen on taking on any business that has shown a loss at any time in the last 5 years. We've had a couple of bad years and, even though we've been profitable for the 9 years before that & are on target for a healthy profit this year and have never had a loans or overdraft (yeah, I know - that makes us lousy customers anyway) - they're not sure they can offer us an account.
That sucks for a small company, especially in these days!I am not saying that they should still look at obviously failing concerns, but we all know that many will have had a negative blip due to the Banks and Govt screw up of the economy, or even not wishing to show a profit (if you get my drift). One or even 2 years of zero or small neg profit in this case should not be seen as a not-so-good bet, unless there are other indictators that collectively make up a less-than-stable picture. I would be very wary of any so-called financial expert making assessment on the validity of a business purely on one or two years profit alone, cos he obviously doesn't know anything about accounts or business!
Davel said:
I've found the Liverpool Branch nothing other than helpful.
As I've tried to convey, given the way they are growing, in terms of branches and new (stolen) customers, I think it is not entirely impossible to see how different areas might have their own individual quirks and also how, almost out of neccessity, they're being ultra-picky.You have a good relationship with your branch and we have good links to teh two branches our businesses deal with, but I can see there may be variations.
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