any advice,would be most appreciated !!

J9L

Thanku in advance,for having a look at my post.
Having seperated from my husband a few years ago,i have tried extra hard to start my own business and bring up my 3 children alone.I was determind to give my business 110% and hoped that it would give me the oppurtunity to support my children and provide for there future.My youngest daughter has a dissability,my work has allowed me to give her the care and support,that she needs.Being there for my children,will always be my main priority.We may never be millionaires,but i hope i can always make them feel safe and happy.
My seperation was far from amicable and as a father he unfortunatly,does not play a part in there lifes (his choice,not mine,theres or a court ).our seperation left me with a lot of debt and alone i have tried to pay as much as i possibly can.
As you can imagine,my circumstances and credit score,can be seen as high risk to lenders,which i completely understand,so the possibility of an account or financial support for my business,never seemed an option.
I was contacted last year,regarding opening a business account,with a very well known financial organisation,to be honest i believed they must have the wrong number and after listening to all the opurtunities and support that they had to offer for me,i felt it best to explain my circumstances in full,thank her and agree it best not to carry on with the application.Iam sure you can imagine my surprise,when she informed me that they,would be more than happy to have me and my business as a customer.This was my big chance,i was so excited,i couldnt wait to show them,how serious and determind i was,they had given me a chance,i wasnt going to let them down.
Unfortunatly !! it was soon aparent,that they didnt want me as a customer.what they needed was an extra account opening,i was a statistic in there ,,1 in 5 small business accounts approved,every day,,there was no support,guidance or funding.I was dissapointed at first,then i thought,iam still going to try,maybe in time they will change there mind,i still had my toe in there door.
I tried and tried,my business manager was so unbelivebly irratated by any contact i made with her,i felt so worthless every time we spoke.I recently had a financial hick up,i contacted the business support team straight away to explain.The lady i spoke to was so wonderfull,She could sence i was genuinly upset and worried and i honestly believe she wanted to help,,unfortunatly as the word,,business manager,,came up,i froze and pleaded with her not to put me through,she was the last person in the world i wanted to speek to,i felt useless enough already.
The advisor explained to me,that my custum,was as important as any others and that my business managers job,was to provide me with advice and support,the same as everybody else.the advisor with my approval,sent a message over to my business manager,with a breif description of my concerns and a request,that she may contact me.
My next customer arived,so i put my worrys to the back of my mind and focused on my work,providing exactly what i set out to achieve,a professional business.
My phone began to ring and as i was working,the call was diverted to answermachine.unfortunatly to my horror and complete embarisment it was my business manager,who,with complete disregard to my business,data protection and security,began a very detailed message relating to my concern,my account,my cheques and balance.I have never felt so humiliated.
I havnt worked since,i feel such a fool,i have always worked localy where good word spreads,just aswell as bad .I just cant face anyone at the minute.
I lodged a complaint with the head office,customer relations team and within 48 hours,i recieved a letter advising that my complaint was being upheld.I am so gratefull that they are taking my complaint serious,they have asked if i am satisfied with there apology as a final responce...please please can anyone,offer any advice,i am useless at complaints and procedures,,but i do know,that there apology,has not left me satisfied,infact it feels like a whack over the head,,thanku so much for your time xxxx

Lokolo

- You have a business account.
- You got into some trouble.
- Your Business Account Manager rang you and left a message on your answering machine, which customers heard.
- You complained because of this and ata protection.
- You have recieved a letter of apology.
- You want to know what to do next.

Is this correct?

If so, have you lost out of anything financially because of this?

J9L

sorry iam new at this,hope my thanks comes to you.
yes ,all of the above apply.My financial losses are of my own disition.I am no longer wishing to trade,i am very dissapointed that i couldnt carry on,with determination alone,every step has been a struggle and all ive achieved,is alot of extra stress.I honestly would carry on giving 11o%,if i felt that it would be something i could get round,unfortunatly the whispering has begun amongst my customers.I do feel that the false promisis of business support and funding were unfair and misleading and that the disclosure of such personal details,have played a massive part in my final disition,,,,am i going mad? do you think they have done wrong?

Lokolo

There's not really much you can do. Unless you have paid, or financially lost out directly (not on false promises) you won't be entitled to anything financially.

If this is their final letter and you do not agree, you can continue your complaint with the Financial Ombudsman.

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Can't really give you advice about whether you should go ahead or not, upto you.