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Yeah I just came back from a bank that holds an account I rarely use (emergency fund). I was told I could not withdraw money because it was over a year since I had used the account. When I asked how I got my money they told me I would have to make three separate payments on three separate days before I could withdraw the money. I pointed out that it was my "emergency fund" and that if had enough money to make three separate payments I would not need to withdraw money. Also I needed the money to pay a bill I had forgotten and had to be paid today, if it could have waited three days I would have enough money in my current account to pay it. No sympathy, I had to wait three days.
The solution: I pointed out that the account was no good to me because apart from replacing the money I was trying to withdraw I would probably (hopefully) not use the account again for several years. So could I please close the account and take ALL the money in it NOW. They started off by telling me that before I did that I would have to make three payments etc. So I pointed out that it was my legal right to close my account whenever I wanted and transfer my money out of their bank. I have no idea if this was true of not but they believed it (I spent a few years working for a solicitor as an outside clerk so have learnt to pepper my statements with legal terms and sound as though I know what I am talking about even when I am spouting bullshit). And when I asked the teller for her full name she panicked and found someone who could clear the block on my account and give me the money right away.
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