Past notes: A boring fate, but it could be worse

In what capacity would you employ the ex-RBS boss Sir Fred Goodwin? If the former chief executive of HBOS, Andy Hornby, approaches you with a money-making wheeze ought you to give the poor lad a polite hearing?

“The world’s worst banker” and the now not-such-a-wunderkind have a lifetime of uncomfortable conversations with aggrieved shareholders, former employees and burdened taxpayers ahead of them. Nonetheless, there may come a time when they again allow their CVs to be circulated to various headhunting firms.

A salutary tale of how to behave after you have trashed a great bank and helped to cause a financial meltdown is provided by the fate of those who were at the helm of Overend, Gurney & Co.

The largest discounting house in the

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