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I don't trust banks either and avoid using them also where possible now.
I didn't even have an overdraft with natwest, went away abroad for a few months, some charge they imposed on my account put me into negative and then they started loading my account up with £180 a month fines for unauthorised overdraft.
And because I was out the country at the time they closed the account, emptied my other accounts I had with them to pay the debt then referred it to a debt collector for the remainder.
So I can understand why people don't trust banks, so instead I have a heavy duty fireproof safe inside the house bolted and cemented in, in a not so obvious place.
Being my work is mostly cash payment (I do genuinely declare my income though) I have no need for a bank account and a pre paid MasterCard does me fine for occasions I do.
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