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Written by Aaron Brigatti  
Tuesday, 07 April 2009

I know we all hate banks the majority of the time, and now is no exception, but I sometimes do have to defend them...and yes I do work in the financial arena!

During the course of 2007, a case of unfair charges made its way to the UK courts - the context of the consumer complaints is the "unfair bank charges, levered by the banks" - for something that is seen as a "nominal cost" (fee) to process by the bank.

I do have some issues with the complaint...if one is borrowing money from the bank, i.e. an overdraft, you are ultimately borrowing under the terms of a credit agreement - if you break this agreement, you should be penalised (with "fees") as a privilege in doing so. Now, I am not saying I am rich or anything, far from it, but it is hard to see why people are really complaining - and reports now say over 1m people have.

I know the fees imposed are high - but surely this is outlined to each and everyone of us quite clearly in the T&Cs?

Anyway, my moral statement is if you don't want to incur the charges, simply don't borrow more than ones means. I know it's not as easy as this, but the credit services we seem to be exploiting is really the cause of the mess we are currently in - so maybe our own financial management is really the concern here?

Saying all of that, paying something like £20-30 for a bounced cheque, which could be processed by the bank for £2 is a "bit rich", but another why to look at it, why should a bank just charge for servicing cost and nothing more. Even if it were £10 we would probably still complain! Ha

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