Bank managers have a habit of writing nasty letters when they are owed money and only get excuses instead of payment, from their clients. If you have received such a letter then you may be upset and feel that your banker is being totally unreasonable by being so pushy. However, remember that he has someone higher up sitting on his back, so you can't really blame him for doing his job and chasing you for what you owe, can you?

But, it's not very pleasant when a crisp white envelope marked "Private and Confidential" lands on your desk and you've a pretty good idea what it contains. "Dear Mr. Businessman, it has come to my notice that you have exceeded your overdraft limit once again and I must..". Panic! What do you do now?

The secret to keeping a friendly relationship with your bank is to keep your account in credit, or at least within the borrowing limits you agreed with them. Easier said than done in these difficult times, so where will you find the money?

The answer is there, right under your nose. Your account customer's have it sitting in their banks! How much money have they borrowed from you and are now very reluctant to pay back?

"Borrowed?