A Kent hotelier took out a loan from Nat West (a sub of RBS) linked to a complex interst switching device that he didn't really understand. He was told by his bank manager not to worry and that everything was fine. The loan was in the small millions, but the hotelier was keeping up payments and his revitalised hotel was pretty well ready to open when with days to go Nat West called in the loan for no apparent reason. They wouldn't budge and the hotelier was told to put his business on the market. He had no option, but the amount he was told to ask was 25% of the valuation an estate agent had put on it, and well below the amount oustanding on the loan.