Handelsbanken

Discussion in 'Agricultural Matters' started by reverand, Mar 16, 2019.

  1. I'm amazed. Our overdraft is only £15k, mortgage of £250k and we've been with them for 20 years. Excellent service.

    It may be because we have a debt:asset ratio better than 1:8 though.
     
  2. britt

    britt Member

    Location:
    leics/warks border
    Branches or customers ?
    Plenty around here.
     
  3. icanshootwell

    icanshootwell Member

    Location:
    Ross-on-wye
    Ah, you must be a big player to get that service now.(y)
     
  4. Daniel

    Daniel Member

    We are with Clydesdale and have a manager we can ring/local Ag office.

    He comes out once a year to flatter/threaten as he feels the annual accounts warrant, we all sit round the kitchen table and take the flattery/threatening with a pinch of salt, wave him off and carry on as we think best.

    Isn’t that all anyone wants from their bank?

    Edit: We did have a covenant that was quite hard to hit as a target and thus meant he had to mention that he might need to up his interest rates. Happily he’s managed to get the covenant favourably tweaked for so ideally it will just be flattery with the tea and biscuits next year!
     
    Last edited: Mar 17, 2019
    Yale and reverand like this.
  5. icanshootwell

    icanshootwell Member

    Location:
    Ross-on-wye
    Yes, talk a load of boll'acks for an hour, then the manager asks how much money you want for the coming year. And how much its going to cost you, my old man used to say"how much" no wonder were stuck in the red all the time.:ROFLMAO:
     
  6. Wolds Beef

    Wolds Beef Member

    @Doing it for the kids Clydesdale! Explain! I deal with an office in Glasgow and I am in rural Lincolnshire. I hate it! No face to face contact anymore.
    WB
     
  7. curlietailz

    curlietailz Member

    Location:
    Sedgefield
    I’d recommend Barclays. They still have Agricultural managers who come and visit once a year. Nice bloke too.
     
    d williams likes this.
  8. reverand

    reverand Member

    Location:
    East lancs hills
    It seems that every bank has a good and bad tale
     
  9. Rob Holmes

    Rob Holmes Moderator

    We're with Yorkshire/Clydesdale and pleased with them, we're with Lincoln branch and manager comes out every year to see us
     
  10. Years ago they were very good.

    Manager left and they published his private mobile as the new managers one!

    I think their system if flawed so no matter how good the manager is his hands are somewhat tied.

    Their online banking portal is IMHO seriously dated. Transactions just sent don’t appear for ages so no way to tell if it’s sent.

    We wil move at some point when we get to it
     
  11. oldoaktree

    oldoaktree Member

    Location:
    County Durham
    My old Barclays manager was tip top he went through the business every year and asked some fairly reaching reasonable questions. Over the years he probably gave better advice than my accountant .He was more grounded and didn’t blow smoke ip somewhere!
    I’d still be with him now but don’t really need a business account anymore.
    I’m aware that he’s not available to all customers in the area as you needed a certain level of borrowing to be with him.
     
  12. Martyn

    Martyn Member

    Location:
    South west
    We are with Natwest, manager comes out anually, takes copy of accounts asks if he can sell us any loans, then off till next year, dropped out OD charge by 1%. i like we have no fees on loans paid back early.
     
  13. curlietailz

    curlietailz Member

    Location:
    Sedgefield
    Are you in Durham by any chance..... we may have had the same guy.
    Top notch...
     
  14. oldoaktree

    oldoaktree Member

    Location:
    County Durham
    Initials AR
     
  15. curlietailz

    curlietailz Member

    Location:
    Sedgefield
    Snap
    He moved on up the tree to bigger clients I believe
    The new bloke is really nice too
     
  16. oldoaktree

    oldoaktree Member

    Location:
    County Durham
    Don’t need a business bank Manager any more but he was spot on bank manger and probably still is
     
  17. bobk

    bobk Member

    Location:
    stafford
    I have my euro account with Handelsnank , can't convert any cheaper , and no need for a french bank account who charge for everything .
     
  18. br jones

    br jones Member

    £12.87?
     
    reverand likes this.
  19. reverand

    reverand Member

    Location:
    East lancs hills
    Ye mine has a funny line in front of it though :scratchhead::LOL:
     
  20. DDT won't pay into a non French bank account
     

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