This is the story of poor, sad, put-upon Nigel.
In 2017, Nigel F. was telling everyone that he was "skint". He had forgotten that he had an account with Coutts, a private bank exclusively for the wealthy. He even forgot that he was living in a £4million townhouse in Chelsea. One day, the bad people at Coutts wrote to him to say that, as his mortgage had ended, he didn't have quite enough millions in his account so they were closing it, and would he like an account with a sister bank, NatWest, instead?
Nigel didn't like NatWest; any grubby prole can open an account with them. Or, perhaps he thought the name sounded like Nat King Cole, who was a black man.