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Originally Posted by Gareth
My personal opinion, for what it's worth, is that the charges are indeed too high, and have been used in the past as an additional revenue generator by some organisations.
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Thats the crux of the matter. £33 for Yorkshire bank to check my balance (automatically) and send out a letter is wrong.
Looking back I can see how easily money racks up for the banks.
I have a dd rejected becuase i'm £9 over my limit and a £33 charge added.
Then I get a £8 charge for been over drawn that day.
Then the dd goes back in the next day and then it charges me £33 and £8 again.
And all the while I can't do a damned thing because the cheque I banked the week before for £100 put in for the dd has not cleared and when it does the banks have had £82 of it. So the net result is that i'm only £9.00 in credit and then the company the dd is with applys a £40 admin charge to my account.
I 100% blame the banks.