On another subject with banks. I noticed you mentioned Santander which reminded me of watching a "Rip Off Britain" programme on t.v.
The story was, a working woman who while working was financially independent, was left money by her mother of approximately £25000.00 which was in an account of Santander. She did not need to withdraw any funds but she added to the account money she had saved from selling knitwear. When she retired she decided she needed to withdraw some cash from the account but when she presented herself to a branch of Santander she was told there was no money and she had closed the account. The woman in question apparently went to the ombudsman who could not assist her and when she went to"Rip Off Britain" they approached Santander who said because the ombudsman had investigated the case they had no further need for another investigation.
When they were asked about records of the account they said since the government had relaxed rules they only kept record going back approx 2 years therefore they could not locate anything relating to the account other than it had been closed, so the lady lost £25000.00 which had been left to her by her deceased mother.
In order to avoid any legal problems I suppose I should add the "alleged" savings account.
Obviously it put a negative feeling in my mind about Santander but possibly other people will have similar stories about other banks!
It just makes you even more wary about the banks after the PPI fiascoe!