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Bank security


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I have got my bank 'relationship manager' coming to see me next week. His visit is basically because I have had a rant about the amount of security the bank are holding against my business borrowings. I told them that I considered the security to be excessive, unfair and unreasonable. His response is that he will 'explain the bank's policy with regard to security'. :???:

 

They are holding personal guarantees and a first charge over my commercial property which total more than £300,000 against a total company debt of just under £90,000. This debt does not include a mortgage.

 

I would like to fire off a letter to the FSA for an opinion but obviously could not get a response prior to the visit.

 

I would like to have some ammunition to fire at him. Anyone got any ideas please?

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