Mr Spencer was a bank clerk who Alan Bradley saw when opening an account at an unnamed bank in January 1989. Alan opened the account in the name of Len Fairclough, as he had posed as Rita's late husband when taking out a £15,000 mortgage on 7 Coronation Street and now needed a bank account into which to pay the amount. At the meeting in Mr Spencer's office, Alan presented Len's driving licence as proof of identity and forged his signature. Mr Spencer then thanked "Mr Fairclough" and, shaking his hand, welcomed him to the bank.