Unfortunately I am a fan of the - let's just get it sorted with one phonecall and let that be the end of it - theory, rather than the 6 months & 42 trees worth of paper later, and certainly I probably wasted far more time trying to speak to the right person (and failing) than I would have done if I had started down this route right from the get go. Definitely a lesson learned.

It is completely strange that I never had closing statement - but easily explained because they obviously never closed the account! I had no idea that I should have received anything, so was oblivious to the fact it was missing. I know now.

I'd be interested to know if you think I would have got more had I had more records. Or if presumably it would not have got this far.

Kitchn unit reward far from trivial!! Sink empties into a bucket at the moment... emptying said bucket into a drain (navigating obstacle course of worms and snails etc who seem almost seem to come out just to watch) on these cold wet and windy nights is not much fun so - every little most welcome :-).