I was talking to a private banking team today.
The senior man said " I'm sorry can I pass you on to my number 2 - I've got lots of my accounts overdrawn today and I need to start phoning round."
Just bear in mind to get this private banker you have to be earning at least £100,000 pa or have assets ( not including your house) well in excess of £500,000. So lots of " rich" people are already in trouble on the third day of the month.
The number two - who sounded very cheerful - seemed to be speaking with exclamation marks at the end of each sentence " Hello! How nice to speak to you!...YES! I'll do that right away!!" I remarked that she seemed very cheerful, she laughed." Ha ha! It's more like hysteria!"
So you have been warned.