A few days ago Ed. received a call from RBS – his bankers (well he assumed that it was the real RBS), asking if he was currently in Edinburgh trying to cash a dodgy cheque backed by a dodgy driver’s licence, all in Ed’s. name.  No said Ed. Thank you for your help, said RBS: we are here to safeguard your money.  Happy ending.  Well, except that this morning a cheque (on a different numbering sequence) for £7,332 was debited to the company bank account. Well done RBS fraud team for letting through a fake cheque with a fake signature, backed by a fake licence card, having already spotted the problem.