[Chrysalis]

Well clearly in future when paying into my account I am going to have to allow 3 weeks to make sure I avoid charges, paid in from UK bank 23rd may, appeared 7 june midnight, other UK bank did do a trace said it was marked as transaction complete 1 june, lloyds tsb couldnt tell me where it was when I asked 5 june but suggesting other bank still had it. They refused to run trace etc. As other bank was more cooperative I am more inclined to take their word for it given that and lloyds tsb are taking 6+ working days to clear cheques on a regular basis.

Back on the original subject of bank charges, it is clear they illegal this appears to be the case as they have not won a single court case on this. So why are they been penny pinching settling right before court day and wasting (a) public fees on court costs (b) customers money on solictor fees when they could settle before that stage.

Also why are they and other banks still keeping their charges in place, I think if it stays like this now its so open in the public domain eventually either the government or the regulator is going to say hey you charge X amount or you fined XXXXXXX amount. Banks wont be able to suddenly start booting all poor people out because again the government needs them to have bank accounts and if it doesnt already exist a law will be created to protect them. It seems they are just delaying the inevitable now and I think the future of banking will change. Personally if we get charged say 2% of transactions for using an ATM I wouldnt mind (wouldnt surprised me if they did fix fee again to benefit rich), add a annual banking fee say £10 for every single customer including the rich ones and they have replaced their 3bill loss of turnover.