Daily Prompt: Permit of the Day

Pension

Basically I am a British citizen. I was born British so you get the all the bits and pieces that go with it, one being a British state pension, because I actually worked in the country and earned money for two years before I decided to move over to Switzerland. I met Mr. Swiss and became a Swiss citizen, so now I have all the swiss bits and pieces as well: double nationality – great, although sometimes it can get confusing. I even have to prove to the British that I am still alive with a certificate now and again to make sure my pension does not arrive in a dark corner of a cemetery.

I have been on the telephone this afternoon for half an hour, or was it more. I made a mistake, although at the time it was a good idea. As my dad was still living in England I opened a british bank account for funds I might need in connection with dad. I had to go through the third degree to be able to open the account, but eventually they accepted me as a customer. My dad passed away two years ago. The account still exists but I used the money to pay for his funeral and transferred quite a lot to my Swiss bank account. I decided it was time to close this account and wrote a letter. Actually it was quite a good letter, with all the details they would need for the money transfer. Now I am not Paul Getty or Thomas Schmidheiny, and my little collection of pound notes would definitely not harm either the british or swiss economy, but there is a small remainder.

I phoned the bank in England and they said I should write a letter which I did. Today I got an e-mail telling me to call them to complete the closure of my account with some details. I called, I waited at least half an hour until I could speak to a human being and she told me that I should write a “fax” (fax?) with various information, which was more or less the same information I had already supplied in my letter. She said she does not have this letter. I told her to find it. Without this letter I would not have received an e-mail to complete the transaction. I was not annoyed, I had a death wish. Eventually I told her to give the money to a dog’s home somewhere if it was not possible to make a plain and simple transaction. The lady carried on and began to dictate a list of items I should supply in a new letter, which her bank actually already had. Perhaps it was a mistake because I did not sign my original letter in blood. Eventually I hung up, because we were getting nowhere. The only thing that was developing was my blood pressure.

So now I have money in England which will probably stay there for the next few thousand years. Ok, there is another way. I will draw it out in a money machine at a swiss bank until there is nothing left and the problem is solved.

I wrote another two letters. One to cash in my english premium bonds which my father invested for me, and to close a small joint savings account in my name and my father’s and here it is really only a matter of clearing up things, no big fortune.  I wonder how this will develop.

Daily Prompt: Permit of the Day

13 thoughts on “Daily Prompt: Permit of the Day

  1. I had the same situation with a bank in Montana after my mom died. The account was in her name and my name. They didn’t let me close it when she died — death certificate and all. I finally resigned myself to $200 sitting in a bank in Montana, and I left it open until the contacted me about no activity on the account and did I want to close it?

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    • By the end of the week there will be no money left in the account as we are going to withdraw it from Switzerland. I know the banks in Switzerland, and although they can be extra stupid, they are innocent compared to the english banks. I wrote my letter to the bank branch where my account was and they just told head office I wanted to close the account. They have the letter somewhere and do not give it to the head office. I have never heard of anything so ridiculous.

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  2. Today, one of my chores it to dispose of the Chrysler that died. The car had been abandoned, and the former owner did not bother sending me the paper work, so it took months to get an ‘incomplete’ registration. It was rather expensive, but I could not complete the registration until the car passed smog inspection. Well, the car never passed smog inspection. I drove it with the old unexpired tags. Before I could get the car repaired, it died. Well, you would think that it would be no problem to donate it to a recyclery. However, the recyclery can not take the car with incomplete registration. The Department of Motor Vehicles tells me that this is not a problem. They would be happy to complete the registration as soon as the deceased car passes smog inspection.

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      • We have that option, but I never got a new car. I tend to get my cars when they are already very old, and keep them until they die. I still have my first car that I got in the early 1980s, a 1970 Dodge Dart.

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  3. Make sure that the bank doesn’t have fees if you withdraw all the available money yet keep the account open. Some here in the US do charge fees that will cause you trouble in the future. For the most part the fees do not kick in unless the money in the account is either too low or totally withdrawn. Best Of luck. Hugs

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  4. I thought I’d there was no money in the account it would be closed. I even walk into a branch of their bank and closed it. I with drew all the money and thought is okay until I got statements charging me each month. I called the bank and was told she could help me. I n desperation I informed her I had spend to much time already with the matter and I was there with it. I didn’t care what happened. She finally informed me she would take care of it. I never heard from them again. I still upset whenever I see a branch of the bank.Good luck!

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    • The account is only closed when you tell them to do it. I am now going to empty it and forget it. Reminds me of the Romanov fortune in the vaults of the Bank of England. They killed the complete family in the Russian revolution and there was no one left to claim it

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