What a holier than thou atitude you have jinnie-boy. The fact is the charges are illegal and bordering on fraud by the banks. This is fact not fiction. They are the only organisations with a direct ability to pinch whatever they like directly from your account and that is what they have been doing for years. They would not be settling everry claim out of court when challenged if they seriously thought they were within the law. The site i moderate on, penaltycharges.co.uk has over 10500 member, is totally free and non profit making, it and helps people reclaim the money that the banks have unlawfully taken. Over 500000 refunded in the last six months from that site alone.

They have been taking charges unlawfully as they cannot charge more than it costs them to administer the overlimit or missed payments and we all know it does not cost upwards of £30 for their computer to send a letter. That is the law in this country.

Rant over


Lee (kirky1969)