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Originally Posted by Mr Angry
The thing to bear in mind is that banks are banks, it's what they do. Each will have their own hangups from a customer perspective. As Florence says above - having two accounts is the best idea / practice.
Two years ago the banks would refund and then close the account out of spite. Today, however, if they were to do that they'd soon be in difficulties with the sheer number of people reclaiming charges so they have to be more pragmatic in their approach (hence the dramatic increase in very near complete offers of settlement after letter one).
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Thats why I have applied for a 2nd account but until I have gained trust with the 2nd bank it has no visa card and no overdraft limit meaning I cant just leave the 1st bank, the overdraft is a moot point since a payout would cover the amount but the visa card is a much needed thing for me.