Booommmm, was the explosion we heard, followed by the sight of a student’s dirty laundry slowly falling down to earth around the car park. That will teach him to remember where he parked next time he gets drunk in town.

Wonder if that is covered by your insurance?

Another morning we received a visit from two plain clothes police officers. They had received a tip off from a reliable source. Their informant had overheard a conversation in a bar where a guy had told his drinking buddy how desperate he was for money and that he was going to rob a bank on Friday (the day most people locally got paid) then skip town. The informant said the desperado showed his friend what appeared to be a sawn off shotgun under the bar table.

The police spoke to us all before we opened the doors to the public. “Be extra vigilant Ladies and Gentlemen. Keep as little cash as possible on the counter. We have no idea which bank the criminal mastermind intends to strike at. If the man points a gun at you do as he says and give him everything he wants. Remember the bank is insured and we don’t want any dead heroes.”

If he points a gun at you do as he says? Are you fucking joking? If he points a shotgun at me Ill make sure he doesn’t leave without the manager’s wallet and car keys as well. Be a hero? For these wankers? I don’t think so sunshine.

This was the day that I discovered a little known fact about the bulletproof glass counter screens that separate the staff from the customers. It isn’t bulletproof. It isn’t even very thick. Bulletproof glass is apparently too expensive to waste money on protecting staff from shotgun wielding desperados.

So my long held suspicions are confirmed. The counter screens exist only to make normal conversation between customer and cashier all but impossible.

Which brings me to the next question. Why they are there for fucks sake? I’m afraid I have no adequate explanation.

Anyway back to the tale. The day of the raid passed without incident as far as we were concerned. We all went home for the weekend none the wiser that the desperado had indeed attempted his robbery.

Next week we heard on the grapevine that he had attempted to hold up a small sub-branch down by the docks. Why? I honestly can’t say. The place only had three staff and was just open a couple of hours a day. If he had stolen every penny in the place he would still have had to borrow money from his mum to pay for a plane ticket to Ibiza. It must have been handy for the drug clinic where he collected his free needles or something.

Allegedly he walked into the sub-branch wearing a pair of women’s tights lopsidedly over his head, menacingly waving the sawn off shotgun at the one and only elderly lady cashier. He stuck a plastic shopping bag into the cash slot and screamed at the elderly cashier “Fill her up Bitch!!!!”

The cashier was frozen stiff with fear at the sight of the weapon. The other problem was that the tights muffled the gangster’s voice. What with that and the effect of the glass screen between them, she had no idea what he wanted. So she just sat there looking terrified.

So he reiterated his request a bit louder “I said fill her up bitch!!!” Then to make his point more forcefully Interpol’s most wanted fugitive aimed the gun skywards and let off both barrels.

Minutes later, mildly concussed by a collapsed false ceiling and covered in concrete dust, he was seen making his getaway on a racing bicycle headed back towards town, the sawn off shotgun dangling from the handlebars in the otherwise empty shopping bag. Would that all bank robbers were so efficient.

That is not the stupid part of the tale. No, the stupid part of the tale is that despite the fact that the robber had an amoeba sized IQ and his getaway vehicle was a second hand bicycle, the police didn’t catch him. Scary Huh?

After two years I had finished the accelerated training course. More than half the people that had joined at the same time I did had already left the bank to do something else less stressful. Like mediating between the Israelis and the PLO. Now it was the bank’s usual practice to move on the remaining graduate trainees to a new branch to give them more experience.

I had made many good friends amongst the staff in Hull and was sorry to leave them, but I was looking forward to a fresh start with a new boss. Preferably one that didn’t consider Ian Paisley to be some kind of Papist sympathizer, and wouldn’t give me ‘C’ grade appraisals just because he didn’t like people with a University education. Out of the frying pan…as the saying goes.

The bank transferred me south to Warwickshire, to a recently opened branch. It had been open for three years and in that time had descended onto total chaos. Even though I had only been in the bank for two years myself, I was one of the most experienced staff members we had. In a bank you don’t go home until the books have balanced. The books never balanced first time due to a combination of staff inexperience and overwork – we just didn’t have the staff to cope with the massive influx of new business.

So often we didn’t leave for home until after nine at night. One New Years Eve we didn’t get out until 10.30 PM. My overtime payments were usually more than my regular salary, and the overtime was compulsory.

On the plus side my co-workers were good fun and we would go out together as a group at weekends, often they would stay over at my house because I lived only walking distance from the town center.

On the negative side there was the manager, Mr. McFier.

The new manager was a disaster. At least the old one knew his job; this man was the most inept individual I have ever come across bar none. The new boss disliked me intensely and I can tell you the feeling was entirely mutual. I can honestly say found him inspirational in many ways. For instance it was comforting to discover that being completely bloody hopeless at your job need not be a barrier to progress in your chosen career. Especially if you managed to gain membership of the Lodge of course.

We used to play a game there called ‘Identify today’s breakfast’. Invariably McFier would arrive for work with his tie covered in egg or beans, or toast crumbs, or fried banana, or God knows what. The staff would take bets on what the stain was, and the typist would then ask the man in a roundabout way, what his wife had cooked for him this morning. McFier was a difficult gentleman to respect. I didn’t respect him at all.

I remember we had an ‘office snitch’, a creep called Colin. Anytime anybody screwed up, Colin would have a discreet word with the ‘Village Idiot’, or Village as he was affectionately known, and the offender would be summoned to the manager’s office for a dressing down and a reminder of the importance of attention to detail. This from a man that could not successfully get all his breakfast into his mouth two days running. Village made more screw ups per day than George W. Bush in a term of office.

The only way I could get through Village’s inane ranting was by imagining the lanky halfwit sat opposite dressed only in women’s underwear.

So while he was admonishing me, I would be sat there imagining him dressed in a basque and G-string, an image that made me smirk involuntarily. Village would notice the smirk and it drove him berserk.

One time he apparently confided to Colin, “He just sits there smirking. Never apologizes. In my army days it was called dumb insolence and he would have ended up in the stockade. I tell you Colin next time I will hit the bugger.”

Colin saved his life. “I would advice against it Sir. Sean trains in kickboxing twice a week and karate twice a week. Most weekends he fights on the amateur tournament circuit. I have heard him say in the staff room that if you are not careful, one day he will snap and put your head so far up your arse that you will need a toothbrush with a two foot handle to reach your teeth. He would do it Sir. The man has no respect.”

Colin repeated the conversation to me as soon as he could. He was fair like that Colin; he would snitch on anybody. Colin just liked snitching.

After that Village treated me with kid gloves. He got his own back by consistently giving me lousy appraisals.

There were very few memorable days working at this place. Mostly it was just the same old grind and long hours, living for the weekends. It was here that I developed the psychosis that came to be known as PMT or Pre Monday Tension. It was a wave of nausea and despair experienced at about teatime on Sundays as you realized that the weekend was nearly over. Luckily there was an herbal remedy readily available – four pints of draught Guinness usually did the trick.

I did however get myself involved in a couple of classic incidents. Both times I could not help myself, my warped sense of humour would not let me miss the opportunity. Both times earned me a reprimand from Head Office.

You know when old people get like, borderline senile dementia? They forget where they put stuff but are convinced that somebody is stealing from them. Usually they blame the poor bugger who looks after them 24/7, without complaint or reward. I know I do.

Well we had one of these who banked with us. She was eighty years old, fit as a marathon runner and mad as a bag of ferrets.

Every week she would come into the bank to take out cash for the week. Always on Friday and always at lunchtime, our busiest time of the week.

The cashiers would do anything to avoid having to serve the crazy old trout. Serving slowly or quickly, trying to judge the speed of the queue, feigning an attack of botulism, anything not to have to deal with her.

I recall that this particular day she arrived at Mick`s till. Mick was a new recruit with only a couple of days experience on counter. You could see the experienced staff titter with relief when the nutter went to Mick`s till.

Mick was a textbook example of politeness and efficiency. He gave the lady her cash and wished her a pleasant weekend. She put the money in her purse and turned to leave, but before he could serve the next customer she was back accusing him of shortchanging her. Mick denied it of course but it was no use.

She insisted on seeing a supervisor – me, and I was required to close the till and check the contents while they both watched me. I really did not have the time or the patience to close one of our five tills when we had customers queuing literally out of the doors, but I had no choice. As I said before, when you work for a bank, rules are rules. Resistance is futile.

I was busy counting all the cash and checking it against the receipts issued when‘The-customer-is-always right-even-if-she-happens-to-be-bobbins’ noticed a sticker on the glass screen. It was an ear with a cross over it.

As part of National Year of the Deaf, the banks had agreed to make themselves more users friendly for deaf people. Some banks trained staff in basic sign language, another installed equipment so that deaf people could plug their hearing aids into a socket on the counter. Our bank extravagantly sent each branch a little plastic sticker to put on one counter with the simple instruction “put somebody sympathetic on this till”. No expense spared as usual.

Anyway the lovely but bewildered old lady tapped the sticker with her walking stick (she didn’t need a stick, it was just for effect) and demanded of me;

“Young man. What does this mean, young man?”

I lost my place in a bundle of ten pound notes and had to start counting again. There was more cash in Mick`s till than under a Colombian cocaine dealer’s mattress.

“It is there to show that we are a caring equal opportunities company (unless of course you are black, Asian, Catholic, Jewish, etc), and we give a sympathetic service to those with a hearing disadvantage,” I told her.

She tapped the sticker again with her stick, this time even harder causing both Mick and I to jump. I lost my place again in the bundle of money.

“You mean deaf people?”

“Yes, I mean deaf people.”

“So,” she continued, oblivious to the icy stares of the people stuck behind her in the queue. “Let’s assume that I am deaf and I present my usual cheque for payment. How would you respond?”

I felt the red mist rising but I was unable to resist. I leaned up to the glass and beckoned her closer, our faces inches apart but separated by the glass.

“I would examine the cheque to see how much you wanted,” I said in a reasonable voice. Then I would ask; “HOW DO YOU WANT YOUR MONEY!” This last bit shouted so loudly that blood began to leak from her ears and nose.

The lady stepped back several paces in shock, turned and stormed out of the building, to a round of applause from the long suffering customers in the queue behind her.

“Carry on Mick,” I instructed and returned to my desk.

Less than half an hour later I found myself in Village’s office for a dressing down.

The senile old sod might not have a clue who much was in her purse, or indeed which wrist her watch was on, but she had no trouble at all in remembering my name or getting through to Head Office to complain.

McFier had been given a roasting and he was merely passing it along. Fair is fair after all.

Another time and another old lady. This one was even older than the last one I had a problem with. Not as sprightly on her feet but she was 92 years old after all. Still in full possession of all her pots and pans you might say, and very prim and proper.

She was the last of a very rich ‘old money’ family from the local area and was arguably our richest customer. No excuses, this one was my own entire fault.

It was another Friday afternoon. I was flying off in the morning for two weeks of sun, sea and serious sangria abuse. Yes, Ibiza, with a girlfriend that didn’t like to be touched in case it interfered with her quest for the perfect suntan.

For lunch my colleagues and I had gone to the Haunch of Venison to celebrate and I had partaken of a lovely tuna sandwich and a pint of Guinness. Okay, maybe four. Sandwiches.

Back in the office with just a couple of hours to go and I was demob happy. Then Village came out and lumbered me with his three thirty appointment.

“Mrs …has come into some money. Her sister and only surviving relative has passed away leaving her a tidy sum. She wants some investment advice. You passed your investment exams last month, so it will be good practice for you. You are probably more up to date than me at the moment anyway.” This last bit was probably true but hardly made me unique amongst the other bipeds inhabiting planet earth.

What he meant actually was that he was out of his depth as usual. He spent more time out of his depth than a cross channel swimmer. His suit had inflatable armbands.

Anyway I met the lady in the interview room over a cup of coffee. In retrospect I should have offered her a cup as well, but I had consumed an awful lot of ‘sandwiches’ at lunchtime.

I actually did a very professional job. First we made a full list of her existing investments – it was massive. If she had moved everything offshore she would have started a run on sterling.

Secondly we listed all her expenses and commitments – negligible. She did not need any more money.

Finally I asked her did she have anything in particular she wanted to do with the funds, invest in renewable technology, set up a trust for friends that sort of thing.

At the end of all this it was quite clear that she did not need the windfall, she had no family or friends that she planned to leave anything to, no charity she wished to support. When she died the Government would probably get the lot.

“So,what do you think I should do with the money?” the lady asked.

“Honestly,” I said, “Spend it.”

“Spend it?” She sounded puzzled.

“Yes, spend it. Live a little. Splash out on some of the finer things in life and just enjoy it. Take a round the world cruise, first class. Get yourself a toyboy! Tell you what, we are going to Ibiza in the morning, come with us!” I joked. My girlfriend would have gone ape shit if the old dear had turned up at the airport.

“Seriously,” I told her, “You already have all the investments we could recommend. All you could do is buy more of them. Why not use the money to make yourself happy?”

“I will think about what you have said and act accordingly,” she said. Then she rose slowly from the table, thanked me politely for my time and left.

I had a nice two-week holiday and returned to find out just how much she had appreciated my candid advice. This time I wasn’t even summoned into the office for a dressing down. Village just left the written warning from Head Office in the middle of my desk.

I still maintain it was good advice…