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hmm I still think the £2 non dd fee is annoying, £4 even more so, just because I choose to pay in cash (ON TIME/EVERYTIME) I get penalised to the (new) tune of £48 a year! sucks.

I also keep getting the recorded telephone messages telling me ill have to pay £10 (I cant remember exactly, always half asleep after night shifts to listen) if I pay the bill late.

How about scrapping non DD charges and increasing late payment penalty, I feel victimised, just because I dont trust my bank to get things right, on time with DD's (I've had alot of issues with LLOYDs TSB, before)