Morgan’s luck
Palpitating, sitting on the toilet seat , Morgan can’t think, he doesn’t know what to do.
Laid off from the bank, as they are closing the branch.
The staff were given 6 months warning. The regional manager came in to tell them.
‘It’s a business decision, you guys have all been like family, in fact this makes me very sad, but we can’t justify keeping the branch open, it will close on 1st May 2026. You’ll all receive a £50 M&S voucher and discounted rates on any loans you may need.‘
The branch was in Banehall, a rural town in Perthshire, with few employers, all the schools leavers from 2025 took any jobs that were available.
Morgan’s Mum has Multiple Sclerosis and needs looking after, so Morgan can’t just move away like the others.
When the meeting finished Morgan went to the toilets, locked the door and sat with his head in his hands. ‘What am I going to do? I need this job!’
The door to the toilets opened, he can hear his supervisor Philip and the Regional Manager Andrew speaking. Philip saying ‘It’s fine, we will get other jobs, we are all pretty switched on, well apart from Morgan, he lives in his own world, he’s a bit of a numpty, but so be it.’
Well that helped the decision! The next day he phoned in sick, and booked a budget airline flight to Zurich, knowing the system, he opened a private bank account. No name just a series of numbers as ID. He took in the sights, not posting anything on social media, stayed overnight in a modest hotel and flew back the next day.
On return to work he set about taking advantage of the bank’s errors accounts, where errors and transaction round ups were placed before being written off, in an automated system.
Morgan set up a repeating system which used an alternating route ending up in his nameless Swiss Account.
By the time the branch closed, over a period of 6 months, Morgan had accumulated over £400,000, but left most of it in the Swiss account. Occasionally neighbours would help look after his Mum or she would go into respite care, so he was able to take the odd day or two away, stopping over in Zurich to transfer some cash, then perhaps visiting Milan or Paris. He didn’t tell anyone , not even his Mum, she thought he got a redundancy payout. In consideration of the disregard from his managers he set up monthly direct debits for a Multiple Sclerosis charity of £100 pm from Philip’s and Andrew the Regional Manager’s accounts.
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Morgan knew what he was doing!