As a condition of having a mortgage with them, work have switched the current account to another bank.

Lloyds, who the accounts were with, managed to delay this for weeks. Then – without telling us it was going to happen – they take out all the money, transfer it to the new bank, then complain that the current account went overdrawn. (Odd that.)

They then took all the money back. For a day. Then transfered it out again, and closed the account. Oh, and they charged us for those last two transfers.

Now, when the Inland Revenue wrongly submitted their direct debit to them, rather than the new bank, they went "Gosh, that account doesn't exist any more. I know, we'll just take the money out of this other account of theirs. We won't bother asking them, we'll just complain that it's gone overdrawn and try to bounce this other cheque on it…"

In-fucking-credible.