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Christophe Meylan, BCV - Consultant SME

Together with my trustee (tax consultant), we visited the BCV in Morges to discuss the financing of my start-up company.

Mr. Meylan could not or would not give me any information, despite being repeatingly asked.

You will find further details in the time frame from 11.03.2016 to 30.06.2016 here.

To recapitulate what happend

On my website, you will find the detailed sequence of what I have had experienced. In this blog, I again summarized the most important happenings of my odyssey with the BCV.

My business plan

The financial concept of my business plan was thoroughly examined by my tax advisor and rated as being "low risk"!

What was my business idea?

My business concept concerned an ironing service. Through outsourcing the ironing to an EU country, enabled me to offer the Swiss customers an attractive price. Due to the favorable price-performance ratio, many potential customers could have opted for my offer. Therefore my clientele would have been accordingly large.

That was unbearable for BCV, in the evidence shown by the sound recording of Raynald Mayor!

Why was it a conspiratorial action by BCV?

According to Oxford Dictionaries and Wiktionary you will find the following under the word conspiracy:

"... A secret plan by a group to do something unlawful or harmful. ..."
"... The act of two or more persons, called conspirators, working secretly to obtain some goal, usually understood with negative connotations. ..."

The collaboration of several people at the BCV spanning over several hierarchical levels of the bank is beyond doubt. The conspiration began with the "simple" clerk Mr. Christophe Meylan, followed by Mr. Raynald Mayor, proxy holder of the BCV Morges, as well as Mr. Patrick Blanc, vice branch manager of BCV Morges. In addition the lawyer Mr. Pierre Godel and the CEO Mr. Pascal Kiener were also involved in the incident. Last but not least, BCV's Compliance Department was also informed about my case.

The objective was clear, to keep me with my business idea away from the Swiss market in order to protect the local companies from my competiti…

How the protectionism was executed

Despite the Banque Cantonale Vaudoise BCV advertisement for quick loan processing, it took a total of 5 months for my claim to finally be dismissed with dubious reasons.

From the beginning Christophe Meylan stalled with information again and again, without receiving any answers, until I finally informed his superiors.

The written justification from Mr. Raynald Mayor, proxy holder BCV, as well as Mr. Patrick Blanc, Vice branch manager BCV, has been completely refuted.

In addition, during a discussion Mr. Mayor mentioned to me the real reasons behind the dismissel of my request, namely the protection of local Swiss companies by "foreign" competition.

The original statement can be heard here.

The fact that my case is indeed protectionism was confirmed by two recognized Swiss institutions! They will be mentioned later in this blog.

BCV au Coeur Du Canton / In the Heart of the Canton

BCV au Coeur Du Canton / In the Heart of the Canton

Who is the BCV - Banque Cantonale Vaudoise?

That's what Wikipedia says about the BCV:

The Banque cantonale vaudoise (BCV) is a Swiss cantonal bank which is part of the 24 cantonal banks serving Switzerland's 26 cantons. The headquarters are located in Lausanne. Founded in 1845, Banque Cantonale Vaudoise in 2014 had 74 branches across Switzerland with 1 946 employees; total assets of the bank were 41 287.66 mln CHF. Unlike most of the cantonal banks, Banque Cantonale Vaudoise doesn't have any state guarantee of its liabilities. Banque Cantonale Vaudoise has a branch in Guernsey.

That's what the BCV says about itself:

- „La banque des PME | BCV - Banque Cantonale Vaudoise“
- „Packages PME - Tout-en-un dès CHF 4 par mois | BCV - Banque ...“
- „Banque des entreprises | BCV - Banque Cantonale Vaudoise“
- „Crédit Direct PME - Demande en ligne | BCV - Banque Cantonale ...“
- „Créer une entreprise - La BCV vous accompagne | BCV - Banque ...“
- „Taux et conditions clientèle entreprise | BCV - Banque Cantonale ...“

Protectionism of the Swiss bank BCV in Vaud

You want a loan for starting a business and go to a bank for financial feasibility. Instead of receiving the result for your business plan's sustainability, the bank's response is "protectionism"!

That is exactly what happend to me at the BCV branch in Morges!

You will find more information in this blog and on my website.