R&E will close on the 28th December - see this thread. https://www.religionethics.co.uk/index.php?topic=22932.0#new
I once got a very convincing-looking email that purported to have come from NatWest, about my account. I might have fallen for it, were it not for the fact that I don't have, and never have had, an account with NatWest.