Yeah, I'm sure there were plenty of times when his 'voice' was heard through the phone! But I don't think he developed the 'voice' voice until some time halfway through the first season - if you watch Leigh's game (21 November 2005) on YouTube and listen carefully while Noel is talking to him, you'll clearly hear him say something (I forget what - 'had a good round' or something like that) in a normal voice. So I think at first he used his normal accent, but later took on a different one to match the miserly character of The Banker...
