Clan: char swap (in General)

why is it that when i swap one character for another it disbands, twice now this has happenned...

Were/are you the clan owner?

Were you the only one in the clan?

If not, did the other characters all have negative clan scores?

well in fact i was the leader, and i was switching to stop the farming.

Then that was your doom.

If your character (or total of clan) had too many negative points, and you switched. Then those negative points are remembered but your new character doesn't have any positive points. This results in an instant disbanding of the entire clan for lack of points.