hi feakin, pleased to see you have joined
please post in the forum as well, members are rising nicely but we are a bit short on content lol
i do agree that some people bring this on themselves but the charges we are claiming back are not particularly for spending money they havent got, as charges are generally for not providing a service as opposed to providing one.
ie. not paying a cheque or not paying a direct debit, fees for setting up overdrafts an the interest applied to that overdraft are totaly lawful and we do not contest this in the slightest.
if a bank was to honour a direct debit for instance when there were insufficient funds and then charged a fee for allowing this then once again i would agree as you are expecting someone else to pay your bills and should pay for that. as stated earlier the charges we are helping to claim back are for not providing a service, which with todays automated services and postal costs, would cost at the very most £2
hope this answers your question.