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The week that Soom went back to university, Craig started to receive real replies back from the financial institutions, but they varied from the simple: ‘We have no record of you at the address you supplied’ to the complicated. None were actually helpful. Some even still refused to deal with him while he was in Thailand, pointing out that their terms of service precluded clients being non-residents of the United Kingdom. All of the banks played that card including Citibank, the most international bank of them all. Lloyds, which had been his main account for twenty years gave him ninety notice of the closure of his bank accounts unless he appeared in one of their UK branches in person. The brochure he was sent did not make it clear to him whether they would send him a cheque for the bala
