There's only one way to prove it is illegal challenge it!
I pay by DD so I cannot.
What I do feel though, when the paying over the counter charge was increased this was an opportunity for many a customer to get onto retentions and threaten to leave, because they have increased the charges to the services they provide you are entitled a get out whether or not you have served the minimum 12 months, but you needed to act in 30 days.
The banks are being walloped, bring it on
