The OFT recently won its case in persuading the banks to reduce the amount they charge cardholders for making late payments to £12. But has your bank written to you to announce this change and more importantly have they increased other fees or their interest rates. Barclaycard have gone on the record by saying that they will be increasing the interest rates they charge to 10% of their existing customers by ‘between 2% and 5%’ – are you one of those customers?

 MBNA, Lloyds TSB, HSBC and others have yet to make a public announcement but they may have written to you recently about these changes. If they have we’d love to hear from you to find out whether they have increased other fees or interest rates….