Dear Russell,

I would like to express my thanks to you and Julie for the excellent support provided to Countrywide Services Ltd. During a difficult period for the business and from a personal perspective I found the process of joining you as a client a very positive experience.

I have used Factoring to fund the cash flow needs of my business for over 8 years. Like many business owners running a small business I was directed to the facility by my bank, as a replacement for my overdraft, but with no choice in terms of the options available.

Factoring has worked for me and does work for my clients, but increasingly the contact with the bank was remote and based more on our ability to follow their rules and procedures, rather than an understanding of the needs of our business. We were simply not able to keep our point of contact within the bank for more than 6 months at a time!

The situation has now transformed! I have a dedicated relationship manager and a business partner that is available to discuss issues that arise and provide solutions. My clients have also recognised the difference, which is critical to my business. Your approach is professional and flexible, but as you are running a business yourself you understand the business issues better than any bank manager ever could.

I will be delighted to talk to any potential client that wishes to work with you, and if the choice is a business partner that listens and a bank that does not-then there really is no choice!

Thanks again

Malcolm Robinson