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I think this is a case of heads you win, tails I lose as far as banking customers are concerned as people have no choice but to use banks to receive wages and pay bills.
The Office of Fair Trading has recently suggested that bank charges including late payment, over limit, returned item and referral fees are legally unfair. This applies on all charges in the past 6 years paid by personal and business customers on credit cards bank accounts and even loans and mortgages. Bank charges are often set at excessive amounts, some as high as £35 for one charge!
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