Several post ago someone mentioned moving Banks if you didn't like the level of service your current provider was giving you.
Its all straightforward unless you have a large loan, as I had in Feb 08 with a Bank with a Black Horse, and the loan still had 19 (at that time) years to run. It was going to cost me 15k just to leave said Bank, and when they have just advised you to exceed your OD limit to purchase new equipment (in the same week Lehmanns went tits up) and then turned round and said 'Oh we're sorry we can't increase your OD limit now to cover the purchase as you don't have enough collateral' despite the valuation being out of date and not including the buildings that loan was for in the first place!! 'Oh, they said, we haven't any money to lend anyone, not a penny, better find another Bank, and by the way since you've gone over your limit (which we told you to do) you are now a bad risk and we don't want to know you anymore, we want you off the books'.
4 years on I'm still with them, still climbing slowly out the hole they dropped me in, trying to expand, having to turn away business, lots of business, because I can't expand fast enough to meet demand, but its been hell. I communicate with my Bank Manager by email these days, he doesn't seem to want to speak, I see him once a year when he comes to renew the OD. The loan was fixed at 5% over base for the first 5 years (their advice) so I've been paying 9% on 200k. In July it goes variable so its up for renegotiation I guess. I wonder who will bet against it not staying at 9%? Their advice has cost me about 30k in extra interest I reckon. Utterly utterly useless. (I've deleted what I really think of them in the interest of public decency)
Tried to move to NatWest 4 years ago , but the 15k was a deal breaker. Tried Clydesdale, their guy spoke the most sense of anyone I've met in Banking in all my years farming, but then he is an ex farmer himself, but they had no money to lend either. Barclays didn't want to know. So its a case of better the Devil you know.
Oh, and there was also the 21k electricity bill dropped on me 2 years ago by British Gas who had estimated my bill for 3 years despite taking meter readings (and not used), and had underestimated wildly. That just took the biscuit.
Still, onwards and upwards. Hey ho!