thanks all, yes bank is open till 3.30pm tomorrow. They wont talk on the phone without a password for telephone banking. Its not the transactions that bother me its the on-line fraud, but is looking like I have been done anyway so much for that fear (those gremlins again).
Letter was legit, that wasnt the bank, that was the company I owed the payment too - DH phoned them and sorted that out. Suspect the letter from the bank will arrive tomorrow.
just what I need, tomorrow I am really busy too.