Debanking

My own debanking story concerns a card rather than a bank account. Not the same degree of inconvenience as Nigel Farage, but a similarly telling insight into modern administrative culture. I feel awkward writing this, because in the 30 years I have used American Express, including an enjoyable decade when I also worked for the brand as a copywriter, few companies have impressed me more. They are unfailingly courteous and responsive. On many occasions, such as when arriving at an airport to discover I had to pay £4,000 for an unratified airline ticket, my card has been invaluable; I willingly follow their advice not to leave home without it. But

Much heartened by the barrage of criticism I’ve been receiving from both Spectator and Times readers, I’m returning to the subject of Coutts’s customer selection. I’ve learned over the years how to spot the emergence of a herd opinion, not just by the volume of shouts but also by how members of the herd begin copying and repeating – often word for word – each others’ phrases; and what we now call ‘memes’ take shape. My experience is that when public sentiment begins to attract these characteristics, it is almost always wrong. I never forget the advice of my late grandfather, Squadron Leader Leonard Littler: ‘Whenever I hear of a