bankingletters.co.uk
A brief look at letters to and from Scottish Banks
1827 Commercial Bank of Scotland "tartan manufacture"

The letter reads as follows.

         

            

 

To:                 Messrs. William Wilson & Son, Manufacturers, Bannockburn.

 

From:            John Sinclair Cunningham, Commercial Bank Office,   

                      Stirling.

 

Dated:            12th January 1827.

 

Gentlemen,

 

                   Colin Grant’s acceptance to you due 30th Ult. for £29 amounting with charges to £29 6/- has been sent here for payment.

 

                   I am,

 

                             Gentlemen,

 

                                      Your Most Ob. Ser’t

 

                                                J S Cunningham.

 

There is nothing particularly interesting in respect of the letter content with this being a routine style of letter and in this case sent from the Commercial Bank of Scotland in Stirling to one of the Bank’s customers, - namely Messrs.  William Wilson & Son.  The advice is that a payment of £29 6/- is due.


         



The parties to the letter, as usual, add greater interest.  Firstly we have the flamboyant signature of John Sinclair Cunningham who is signing on behalf of the Commercial Bank of Scotland.  I am aware that John Sinclair Cunningham had a very successful career with the Commercial Bank of Scotland – including spells as Inspector of Branches (August 1823); General Superintendent of Branches (28th February 1825); Secretary (10th December 1835) and Manager (December 1853) although I can find no record of him having worked in the Bank’s Stirling office.  The content of the letter is hardly that which would ordinarily require the signature of the Superintendent of Branches and I wonder if his involvement began with Messrs. William Wilson & Son when he was Inspector  of Branches, perhaps as a consequence of the borrowing level or trading difficulties of Messrs. William Wilson & Son, and continued into Cunningham’s period as Superintendent of Branches.  The timing of the letter – only 5 years after a significant increase in demand for the products of Messrs. William Wilson & Son, and the opening of their new premises - leads me to think that it must have been borrowing levels which required Cunningham to remain involved.  Not unusually with this hobby – one is unlikely to ever know.


 

 

John Sinclair Cunningham - I suspect towards the end of his career.


Turning now to Messrs. William Wilson & Son I am aware that this Bannockburn Manufacturer was a very large concern and engaged in the manufacture of Tartan.

         Tartan has been a mode of Scottish dress for centuries and the term is probably derived from the French “tiretaine” which was a wool / linen mixture.  The first positive proof of the existence of what we now call tartan, was in a German woodcut of about 1631, thought to show Highland soldiers - no doubt mercenaries - in the army of Gustavus Adolphus and wearing a clearly identified tartan philamhor - the great kilt.

          Albeit tartan has been popular for many years its popularity both rose and fell as a consequence of a number of events throughout history.  It is suggested that one of the main increases in popularity came about as a consequence of the Jacobite army being organised into Clan regiments and each clan using its tartan as a clan “uniform” for the purposes of identification.  It would appear logical that if the majority of Scots wore tartan, and the manual weaving of the cloth was in the hands of local weavers, these weavers would have their favourite patterns and colours and these would probably be used for the majority of garments produced.  If, as I believe was the case, dyes were produced by access to local materials this would in some way explain the varied use of colour.

          It seems ironic that I am to mention the disastrous Battle of Culloden on the same pages as the much celebrated Bannockburn although it is important to remember that Bannockburn (1314) was primarily a battle between the Scots and the English whilst Culloden (1745) was a battle between the French supported Jacobite Scots and the Hanoverian Army which comprised a great number of lowland Scots, in addition to Government troops, and was led by the Duke of Cumberland on behalf of his Father, King George 11. 

         The relevance of the defeat at Culloden is that this led to the Act of Proscription of the Highland Dress which, in essence, prevented the highland manufacture of tartan.  Under the Act, men and boys were forbidden to 'wear or put on Highland clothes including; the kilt, plaid and no tartan or party-coloured Plaid or stuff was to be use for Great Coats or for Upper Coats'.  The Act, which came into force on 1st August 1747, did not apply to those men serving as soldiers in Highland Regiments, or to the Gentry, the sons of the Gentry, or to women.  This Act remained in place for 36 years and saw the removal of an entire generation of tartan weavers.  The repeal of the Act, coupled with the loss of the generation of weavers, saw the founding of substantial tartan manufacturers who were employed to meet the tartan demands of the army.  The largest and most successful of these new manufacturers was that of William Wilson and Son of Bannockburn.

        In 1727, William Wilson was born at Craigforth in the parish of St Ninians, Stirlingshire.  He became a weaver and started his family business south of the Highland boundary in Bannockburn on the outskirts of Stirling where, being unaffected by the Act, he was able to flourish.  He quickly cornered the growing market for tartan in southern Scotland and elsewhere, and especially for the lucrative supply of cloth to the military and the increasing number of Highland Regiments.  The need for mass cloth production to meet large orders such as the military, led to a requirement for standard colours and patterns in order to maintain quality control.  These standardised colours and patterns devised by Wilsons were certainly in use by them by the 1780's and their range continued to grow with the increase in the demand for tartan; a trend which continued throughout the 19th century.

          Returning to the popularity of tartan, the next increase in popularity came about as a consequence of the visit of King George IV to Edinburgh in 1822.  Much of the organisation of the reception for King fell to Sir Walter Scott who encouraged the northern nobility to attend all functions dressed in full highland dress.  This coincided with the publication of Scott's “Waverleynovels, between 1814  and 1831, and with these novels romanticising tartan this led to greater demand.

          The manufacturers soon realised that the demand – which was to be further increased as a consequence of Queen Victoria and Prince Albert having a “love affair” with Balmoral, Scotland and all things Scottish – could not be met without some form of industrialisation.  This led to the construction of substantial mills

 

The 4 storey Royal George mills were opened in 1822, when William Wilson installed 14 new looms to meet the demands for tartan cloth caused by the visit of George IV, the first Hanoverian monarch audacious enough to visit Scotland.

            The 1851 Scottish Census suggests that the business was then being run by John Wilson, aged about 49, who lived at 67 Hill Park, Bannockburn  where he was a Woollen Manufacturer employing 400 hands.  In 1869 William Wilson & Sons employed about 550 workers spinning, dyeing and weaving wool into carpets, tweeds and tartans. 

           The last Bannockburn weaving mill closed in 1924.

 

 

1802 Paisley Union Banking Company "from Charles Addison, Partner"
1805 Renfrewshire Banking Company "Clark Ralston & Co."
1812 Leith Banking Company "Laird of Macnab's bill"
1822 Bank of Scotland (Morgan, Kirkcaldy)
1825 Falkirk Banking Company "Application for post of Cashier"
1827 Commercial Bank of Scotland "tartan manufacture"
1830 Bank of Scotland "Gas in Falkirk"
Home18th Century Banking LettersEarly 19th Century Banking Letters (Pre May 1840)Banking Letters from 1st May 1840 - 31st December 1899Letters to The East Lothian Banking CompanyThe BanksLetters to Banknote PrintersNon Banking LettersFavourite LinksFurther readingContact Me