Hello. My bank lent me some money recently and then retracted their offer the same day because the lending dept were unhappy about my telephone-transferring funds over a period of time from my personal account to my business account and back again, sometimes once or twice a day, usually at fortnightly or monthly intervals. They think I've been doing this to inflate the level of trading in my business account. However, though I've had the account over a year I never have actually traded, and never pretended to have done, but rather have been building the company up to a point where it can now begin trading by this Christmas. The truthful -- perhaps naive -- reason for my telephone-transferring funds is simply to make what would otherwise appear to be pretty much a dormant business account seem at least alive so I wouldn't be asked by the bank to close it for inactivity. I have a meeting with the lending dept in a few days in order to explain myself. I feel like I'm on trial -- and I really do need to borrow money from them for my business now. What should I say to them? I'm worried! Many thanks in advance, Chantal.