My previous bank was messing me around and making things awkward for me, so I rang them up and told them they needed to fix it to go back to the way I wanted, or I was taking our current account and savings accounts elsewhere. They just told me they couldn’t by policy. I made a complaint. They said they couldn’t by policy.

I did my research over the next couple of weeks and then I walked into a branch and asked for a printout of all my direct debits and standing orders. The teller did as I asked. That evening I got a phone call apologising and offering me exactly what I asked for.

No. Fuck you. You didn’t listen, you didn’t believe me, you just shat on me for as long as you thought it didn’t affect you, and then as soon as you saw I evidence I was serious now you want to fix it? No. Fuck off. Good riddance. I got myself a new bank thank you very much, where I got to choose how it worked.

The time to keep me was when I asked nicely or when I asked nicely again or when I complained. Once I’ve put time in researching other options, it’s way too late.