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Actually most cats who are “house cats” do so of their own accord; the do not want to go at all; even if tempted.The last cat I adopted was called Spider who had been confiscated from the previous “owner” (more like abuser! ) by the Animal Protection operation/charity in the UK the Royal Society for Protection of Animals (RSPCA).I had lost my last cat James, and have no idea where he disappeared to, just went out one night and never came home. I think he was run over by a car or some similar fate as he had no fear of anything ! Even if I came home from home and he was waiting to come in, he would hear the engine of my car and would suddenly pop up form nowhere. The problem was that he assumed that if he had seen me, then I would have seen him, braked so he could cross the road in front of me. I suspect that he tried this with another car and he lost ! (-) .I adopted Spider (big black and hairy and hid in corners) just like a garden or house spider in you living room or garage.-:) . Indeed when I decided that I wanted her, (more to the point chose me), I was asked by the RSPCA where she was going to stay and did I live on my own and/or had a family, particularly with small children?They told me that she had been a rescue animal confiscated from the person who had “looked after her- (like hell) “ and thought it was safer that she lived in a quiet protected home. I told them I lived in a first floor flat (one storey above ground level in English law), but there could be issue with her access to the flat as although I have a front door to the street level, she never ventured out of it in the time that she stayed with me (about 7 years). I did the usual trick of leaving the front door open, and letting her have a sniff, but even by that time she had decided it was “too scary out there”. So whoever had beaten her up or teased her the damage was irreversible.To give people who have not been to the UK we are probably more affectionate and take care of our pets, (sadly) more than our children, it should be noted that that the main pet and animal welfare operation (RSCPA) has a Royal Warrant; whereas our main Child Protection and welfare charities only have National Status ! The only exception being where there is serious Domestic Violence or Neglect in which case the child/young person is taken by the Police (under a disguise) and made Wards of Court and placed in to emergency Foster Care.These are approved an high level [criminal] security cleared adults who take care of the child, as carers, and the child has their own bedroom and there are checked by our Social Security Operations, before even allowed to be deemed as “immediate place of safety carers/Guardians. These are not homes in the strict sense part families prepared to accept children (and those with severe learning difficulties) and keep the child fed, clean and for school as Fostered Children. It was not until I discovered 15 years ago that there is a huge difference between fostering and adopting a child ! Not to mention the paper work -:)Ironically in the UK the process of a cat, dog horse, indeed any animal being adopted for care having been confiscated from their previous “owners” for ill- treatment and the person “adopting them” is almost as strict, perhaps more so than adopting a small child ! (Seriously).Both the first cat I adopted (through my sister) and has been with an elderly person who had had to give her up as the warden controlled accommodation she was being transferred to did not allow pets. In my view and certainly the way Bubble behaved was a hell of a tearaway, and doubtless distressing to both. That in itself was hear breaking. However the documents were signed and I took her home that day.Now, this is an indication of the amount of care that the animal charities take and precautions in place.At the time of Bubbles adoption, I was living with my parents, so although I was out of the house, my mother in particular made sure of Bubbles’ well being; but she left the “evening care” to me. Now, this is the interesting twist and something we didn’t know was going to happen, that was a few months later, totally unannounced, and RSPCA Officer called at my parents house unannounced with a copy of the “adoption certificate” and aske to see Bubbles so they could be assured she was OK, but more to the point what provisions we had taken. Again like a child, had she got secure sleeping areas and how was /when she fed, and as it happened Bubbles was in the house. They were more than happy she was looked after. Indeed a further three months down the line they did another surprise visit.Now I already had had plans for Bubbles’ welfare and particularly as an older cat the costs of vets fees, feeding etc. The net result was that I thought it would be a good idea to set some sort of insurance. I didn’t lime the pet insurances that are available at the time, even now as they are not sincere, and cost a lot of money for the (little) protection they provide.So I decided to set up a deposit account on Trusteeship for her, with me as Trustee. The account was drawn down as “Christopher (middle name) Richards Re: Bubbles. The same way you set up an account for a child between the ages of 0 and 7 years old. However due to legal reasons relating to accountancy and tax, given that Bubbles was about to turn 8 years old the bank and I decided it was best that we made it a Trusteeship. Hence the account changed from an account on referral to a Trusteeship, so actually Bubbles now has a legal identity albeit under my trusteeship. More to the point the Inland Revenue accepted it ! -:)The advantage was that the cat no only had her “own money” but also from my point of view the interest that was created within the account, actually was in the cat’s name. Since she was under 16 years old, the interest could not be taxed. Nor could I be taxed as I was holding the money in Trusteeship. Both me and moggy very happy.My next cat (after Bubbles past to the great cat basket in the sky) was called James, again an adopted cat from the RSPCA. He was the opposite end of the scale of Bubbles and was very much the “Tom Cat” you see in cartoons. However although he was much younger, I still thought it was a good idea to keep the savings account open. So I went to the bank to tell them that Bubbles was no longer with me, but I had adopted a new cat called James. Of course this had slightly different legal connotations, since I needed James’ name substituted for Bubbles as if he had inherited it.That meant the confirmation of Bubbles being confirmed dead by the vet, but also that James needed to be applied to the account. By this time of course the legal rules had changed. So again his adoption certificate from the RSPCA had to be show to the bank so they could suspend the account in the name of Bubbles, and transfer it in legal, accounting procedure for James to be applied. Indeed that account when suspended was “ C - - Richards re Bubbles (Deceased). That was because in Law due to the way I had set the account up she was a legal “person”.However after all the internal clearances had gone through ( almost waived by the Government Authorities as they had seen the joke and OK it was tax evasion of a sort £14 per year is hardly going to send the UK in to economic “melt down” -:) ), the new account was opened, with a new account number.However the account now read as “ (my name) as Trustee of James. This of course had other legal implications since I could put money in to James Account and if anything happened to my affairs, then James held his money in his own right albeit in Trusteeship. So even if I went bankrupt, the cat couldn’t. -:)Of course another score against the “system” in my favour. Free interest on in effect a deposit account although the money allocated to the cat as a “legal person”, as they are under 18 your are their Guardian and Trustee at First Instance (English Legal Term). However in law still the cat’s money.Like all these things, whilst “bending the law” slightly, the amount of real interest being avoided for taxation purposes not worth even the smile it raised with both the bank and the UK Inland Revenue.So a standing joke may be, particularly the branch which held the account for both Bubbles, James (in particular) and Spider a long standing joke, when I came to withdraw money. Ironically and equally a safety catch too.In all seriousness who would expect an account drafted in the name of C -` Richards, Re: James would realise that it as a cat not a child -:). So if they stole the pass book and not knowing the floor limit (where a third party bank is asked to pay money out of an account not in their branch ledgers is required to make enquiries with the holding branch to verify that all is in order. And a good thing to.Of course in my case I had the extra security in not just the name “James” being a human, but equally that likely to be that of a small child. Children over the age of 10 can hold their own savings accounts in their own name and be able to deposit and withdraw money up to £20 over the counter (they cannot hold the account remotely, although that is due to change) and of course the account can’t go overdrawn nor does it have a debit card, it is an electronic savings account. They only thing they can use is an ATM to withdraw money or to the bank it is assigned to and draw the money over the counter. Again there is a ceiling of (I think) £50. Even so a lot for a 10 year old to need to draw !Actually this “Security” fell in to place quite neatly with James the Cat, but not James “My little Boy” -:)This situation arose as a result of my mother being taken ill whilst she was overseas, and I needed to leave the country near immediately. Actually the Company I was on contract to, and not even officially their employee, just a contractor, we beyond any vision of co-operation and support I could have ever existed.On this occasion I will name, names : “Dearson-Winyard” together with their holding company Reuters PLC .As soon as I told them I had the emergency, and needed to leave the contract near immediately it was “All hands on deck” for me, spoke to my Agency, got a replacement for me who I briefed, and they sent me home to pack. They told me to go to “Secure Handling” and present my passport and in they gave me a letter of authority on their letter head and my identity detail. Not only that but they had allowed me to do some foreign exchange in-house and giving me the local currency in exchange for a cheque, there and then,. but when I got to secure handling the clearances had been done, was handed the tickets. I asked who much they needed they just told me “you are working on contract for the Reuters and they are treating you as representative and these are paid for”.“Gulp “(!) on my part as these were stand-by tickets and would not have been cheap had I done the transaction myself, not to mention the hard currency exchange. I later discovered that the cheque I gave them for the foreign currency (in their words) had got lost, and couldn’t recover it as it was an “error” on their part. So in effect got my emergency ticket AND my local currency for free !Given the distressed state I was in ( I was bout 25), you can't ask for better support than that, more to the point when I was not even their employee in contract “!I came home two weeks later and back to James’ arrangementsm to get him out of the cattery. Of course I only had an nominal amount of UK hard currency on me and the cattery would not accept a cheque. That only left me with James’ bank pass book to draw the money with “his” bank, I had gone to the bank to draw the money I had instructed to handle at their branch in London, and told them I needed more money under the terms of the account to deal with the emergency I faced.Again the branch I drew the money from was not at the branch that James’ account was held, so we had to go through a manual payment authorisation. I gave the account withdrawal slip, duly signed together with the passbook to the cashier.She apologised to me and said that it was over the floor limit (which I knew) and told me that it would have to be phoned through for clearance. Again something I acknowledged and provided identity.She had handed this to another member of staff to clear the money with the home branch. In the meantime they had contacted my home branch (with whom my account for James was a standing joke) and told the presentation branch that they needed better information from me as this amount I was drawing was much higher than they would normally expect.Of course, I knew that this was my home branch not so much putting in extra precautions, but for the laugh. They had told the girl that they needed James’ address, his date of birth and his relationship to me.The girl doing the clearance went to the cashier who in turn called me to over to the till. Again, she was quite young and clearly never come across this level of clearance before (even if it was the home branch playing around). She said to me: “ The branch have stated this is a very unusually high amount that you usually draw and then have said the have asked to confirm that it is you with a few questions about the set up of the account:Who is James, and his relationship to you.James date of birth and where he was born (which would have made sense at first instance given that James is a human name so the rest would follow.Of course knowing that this was the home branch playing around straight faced I told the girl thatJames was a domesticated, short haired, black cat and he was my pet.He was born 31st MAY 1987, but I had adopted him from the RSPCA, and as they didn’t know the exact details, I had given him my date and month of birth, but the year was the one I adopted him (1987).The girl serving me was not sure whether to laugh, cry or send for “external, emergency attention”; on the basis I had just “flipped”.Having now been convinced I was of sane mind, she paid the money out, which I signed for. Then of course left the building to return to James and pick him up and take him home from the cattery.A great joke and still standing between the two branches.What is does show is that no matter how “Whacky” it may appear sometimes having odd records on accounts (say no just your mother’s maiden name), some banks ask for you Grandmother’s maiden name; that is how sharp they are on “inconsistent” transactions these days.Chris R- London.PS don't forget. James: The cat with a bank account. -:)