When we lived in the UK - nearly three decades ago! - we had a joint sterling bank account which we used for all our income and outgoings. We did have a 'savings' account too, but it rarely had anything much in it. And a credit card, which was useful when there was a cash flow problem.
When we moved to Cyprus towards the end of 1997, we opened a joint account at a local bank here. It was originally in Cyprus pounds, but then, seamlessly, moved to euros at the start of 2008. Each month we had an automatic transfer set up from our UK account to our Cyprus account via one of the reputable online transfer places. And the amount we transferred, which was the majority of our regular income, just about covered bills, utilities, insurances etc in Cyprus. Extra generous gifts and donations allowed us to travel to the UK once a year, and a few other luxuries.
When we arrived here, colleagues told us that we shouldn't have mail sent to our street address, as the postal system was notoriously unreliable. They all used a PO Box address instead. For a while we used that one too, and then we started to lease our own. And we made sure that our bank statements and utility bills went to the PO Box.
Early in 2004, my last grandparent died. She was 96. Some months later we received a generous legacy from her. That, and other circumstances during that year, and 2005, made us decide that we would sell our house in the UK which had been used by one of the local churches. The lady living there at the time wanted to buy it, so the timing was perfect. And we had my grandmother's gift to use as a deposit on a house here.
In 2006, we sold our house in the UK, after some months of uncertainty, and bought the house in Cyprus where we are still living. And since it was Richard who met the vendor to transfer our utility bills, it was Richard's name that was associated with them. It was still quite a patriarchal society, and he was much more comfortable dealing with utility board officials than I was.
Fast forward to 2020. A year that stands out in most people's memories, when there were lockdowns, and uncertainties, and nobody knew what was going to happen. Our UK debit cards expired, and they wouldn't send new ones to Cyprus. We had used various family members' addresses in the UK for mailing, and collected them when we visited. But in 2020, no travelling was allowed. International post was either non-existent or delayed. We could access our bank account online, and make transfers, but we didn't have a card to make online payments in sterling. And sometimes we needed to do that.
Richard had already opened a multi-currency online account for times when he travelled for his ministry, and he suggested I open one too, at least as a temporary measure. The process was easy, and while I didn't use it much at first, I gradually realised that it was quite convenient to have a separate account where I could move money between currencies at an excellent rate, and which allowed text 'notes' added to each transaction, to help me keep track.
A couple of years ago Richard started receiving his UK state pension. We were able to stop relying on gifts from churches and friends. We found, for the first time in our lives, that we had what is sometimes called 'disposable income'. We give some away, of course, but we also transfer an amount every month to each of our multi-currency accounts.
Then...
But I didn't have any of the documents they wanted. As explained above, our utility bills were all in Richard's name, as is our equivalent to council tax. Our Cyprus bank account still had the PO Box address on statements, even though everything now comes via email rather than in the post.
So I uploaded the annual sewage bill, which, for some reason, is in my name.
But that was rejected because it was dated November 2024.
So then I uploaded a recent Cyprus bank statement.
That was rejected because it didn't have our street address.
Then I uploaded an electricity bill which has our street address, and that was rejected because it wasn't in my name.
So I emailed customer support, uploading all three of these documents again, plus my 'yellow slip' which has my full name and street address. I explained what the problem was, and asked if a human could put together the information on these four documents, and verify manually rather than relying on the automated requirements.
The customer support person was very friendly, and seemed to understand the issue. They said that what I needed to do was take a photo of the electricity bill next to my husband's ID, and send them that. And they would forward it on to the verification department.
It didn't quite make sense - I didn't see how that could verify who I am! - but I did what they asked. They thanked me, and said that if there was still any problem, they would get in touch again, and make some more suggestions.
We realised that this issue was likely to come up again, so we decided to change one of our water bills into my name, to preempt future problems of this nature. Since our house is in two parts, we have two sets of both water and electricity bills. So on Monday morning we went into the Water Board.
It's greatly updated since the last time we were there, which was probably nearly twenty years ago. Instead of queueing, we were given a ticket with a number, and sat down in the air conditioned waiting area. Eventually - after about half an hour - our turn came up. After checking the IDs we took in, and our house deeds, the helpful lady on the desk changed the account over from Richard's name to mine.
Not that it was any use for the current issue, as we paid the last water bill and the next one isn't due until August. But she printed out a sort of non-invoice, saying we owed them nothing, but giving my name and the street address.
On Tuesday morning at 8.00am I had an email saying that the latest upload - the one showing Richard's ID next to our electricity bill - was also rejected, though they didn't say why. As before, it gave a link to upload something else. So I tried to do so...
And saw a rather terse notification that my account was closed. It said that they thought I had been using it in inappropriate ways, whatever that means.
So much for having until 28th June! They did say they would refund all the money, but it has been so very convenient having this multi-currency account. I was not happy. I was, in fact, extremely stressed. I hated the idea that I had done something wrong and didn't even know what it was.
Feeling frustrated, I opened the 'YouBible' app on my phone, and saw the verse of the day:
'Cast all your anxieties on him, because he cares for you' (I Peter 5:7).
The verses of the day often seem quite random, but this one felt as if it was specifically for me. Not that it was easy to cast my anxieties, but I did feel slightly more peaceful, and tried to trust that, whatever happened, God was in charge.
I emailed customer support again. I sent them the non-invoice from the Water Board.
I could see that I had the option to appeal my account closure. But when I clicked the link to appeal, the first thing I had to upload was... a document that I didn't have. As I had already explained.
Given that banks have worldwide reporting, I was also a bit concerned that this might put our other accounts at risk. Although I was doing my best not to be too anxious.
I didn't hear back from customer support until some hours later, and they said they were sorry to hear that this had happened, they didn't know what had triggered it, and they recommended that I appeal and upload whatever documents I thought might help, including the non-invoice from the Water Board.
I didn't want to rush into it. And Richard thought it would be a good idea to get our bank statements showing our street address. I also remembered that our house insurance bill is due around now, and that has both our names on it.
So on Thursday morning, we walked to the bank. A helpful, friendly man on the desk examined our documents, understood our problem, and - after filling in a lot of different fields on his computer - told us that future statements would show our street address rather than the PO Box. But nothing will change on statements until the next one is generated... at the end of June. However, he did print out some of the relevant documentation that showed our names and address. He and Richard were chatting like old friends by this stage, and would probably have continued doing so if I hadn't pointed out that a queue was starting to form behind us.
When we got home, Richard phoned the insurance brokers. They said that, yes, they could generate a new invoice, but for some reason they couldn't email it to him. But if we were willing to go there, we could sign and collect it. So off we went in the car, and eventually found the right office. For the first twenty years or so that we lived in Cyprus, the broker came to our house, and we signed the papers here, and wrote him a cheque. For the past few years, it's all happened via email and online payments. So this was the first time we had actually been to the office.
Once again it was quite slow, punctuated by general chat, and without the benefit of air conditioning. But eventually we left, with an invoice that showed both our names, our street address, AND a recent date. Insurance wasn't mentioned as one of the possible documents that the appeal accepted, but I wanted to upload as many possibilities as I could manage.
The insurance brokers' office is very close to where the Electricity Board used to be. And Richard thought we might as well get my name changed on one of those bills, too. So we found where the new offices are, and they had a similar process to the water board. Our ticket said we should expect to wait 17 minutes. In the event it was over 40 minutes, but eventually we were seen. Again it seemed to take a long time to do something which seemed quite straightforward to us. But at last it was done. And
they gave me a stamped verification that one of the electricity bills is now in my name.
That afternoon, I scanned the new documents, and clicked the 'appeal' button. It allowed me to upload up to ten documents, which is good, as I had eight of them to send. There was a brief hiatus where everything appeared to upload, and then crashed. But Richard pointed out that some of the scanned documents were quite large, and the total upload was over 30 megabytes. So I scanned the larger ones again, and this time they were taken. None of the documents was exactly what was asked for, and I didn't hold out a whole lot of hope. It said that they would take up to 15 days to process them.
Half an hour later, I received an apology email saying my account was reinstated.
Alleluia!
But... there was still a red notification in my account telling me I needed to upload a recent utility bill in my name, and that I must do so by the end of June. Which, of course, I could not do.
So I got in touch with customer services again. And I also made sure to download all the statements from the account, and details of exactly how much I had in each currency, and other information which I thought I might have lost.
To my tremendous relief, about twelve hours later I had another message from customer support saying my documents were accepted, and the red notification should have gone. Which, indeed, it had.
I was very thankful.
As Shakespeare put it, all's well that ends well....
Except that, just after my bank account was reinstated, I had an email from GESY, the Cyprus equivalent of the NHS. It said they need to recheck that I'm still eligible, and that they do this routinely every few years.
The email said I had to print out a form, and fill it in, and scan it, and send it back, along with my ID, Richard's ID, our marriage certificate....and a year's worth of utility bills that show my name.
Sigh.
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