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    We always banked as a business with Barclays in our business days and we always found them very good. They have special corporate centres set up that deal with business and very slick they are. We were liked by our bank manager, were on first name terms, because we were always in good shape financially and they used to call us in periodically to see if they could be of help.

    So the right kind of bank but fortunately we never saw the side of things where people might be desperate for a loan...so we were fortunate.

    The reason the different kinds of banks suffered in different ways was a direct result to the kind of market they operated in. Northern Rock for example were very exposed in the mortgage market and as mortgages went pearshaped from here to Tennesee, and with house finance collapsing like the proverbial collapsing house of cards, Northern Rock (and others) took a big hit.

    Barclays appeared to be less exposed in this market, had a greater spread of operation.

    Its worth noting now though with the massed government lending to some banks, we will all get a very generous return now on our public investment. The more profits soar the more we the public make...we're in on the gravy train, well...kinda.

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