i think the bank charges are naff, they tell you not to bury your head if you have financial difficulties, so we tell them we're in a spot of bother and that we have d/debits due to go out, what do they do, they say dont worry about it, just ride it out for this month, then they dont pay the bills and have left us with about £3oo.oo charges for the privalige of not paying the bills. hows that for injustice, we are now even further in debt than we were before. so much for doing the right thing and not making like an ostrich.