After ten years with Banque Tarneaud in Limousin, we have had a 'Denonciation de Relation' letter, which is basically notice that they will terminate our account. I talked to them on the phone, and the guy explained that they are doing this because I have asked for too many international transfers - and being only a small bank, it is very difficult for them..... I suggested that even small banks do this sort of thing as a basic part of being a bank. But it's no good - it seems to be an irrevocable decision that's been made without any consultation or warning. There were about ten quite large international virements, all in euros. They did make a complete mess of some of them, and I did email them describing one three-week delay as a debacle... this seems like it could almost be retaliation for that! ("Well, if this Englishman doesn't like the way we do things here he can go elsewhere.") The funny thing is that the people at the branch have always been charming and helpful in person, and on the phone. The letter they have sent is a form letter which is clearly designed to be sent to people who have been reneging on payments or generally being bad clients - there's lots of talk of claiming money owed back, pursuing debts etc.... Our account has about 13000 euros in it and has averaged about 20000 in the last two years. It's going to be a nightmare to change banks. Any help or advice much appreciated.