hi.what words would u use ?? if not told what they are doing is wrong they will carry on.i hope the banks are watching us ,what they are doing is illegal ,have u had a letter telling u they are sorry and a refund(no)has any goverment body stepped in to sort out this illegal activity(no)point one bank £6.7 billion profit 1 year.do the maths population of gt britain x6.7 billion.last point 1 pc per household 2 icons martin lewis and this site .result a damn site better and fairer country.thanks wayyny