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Just a bit too much common sense and responsibility for your own actions in that statement Rob. Better cut it out.

Right, think I'll leave it at that with you then Tuppence. You're clearly quite emotional on this subject. I don't feel sympathy for the banks, I can however look at the situation subjectively and see them just as I see any other business making a profit (some with higher margins than banks...

You do realise banks actually lose money on tens of thousands of their customers right? Yes they make money on the ones that have a mortgage, credit cards etc. but that bloke at the counter causing a scene and demanding to see the manager because he's been charged a $35 fee when all he has is a...

I don't read it, but then I don't whine about fees either. ;)

How dare they charge a penalty fee they clearly defined in their PDS they would if I take an action they described. Surely that was just a bluff and I shouldn't have to pay it? Might try that with my suppliers and see how far I get, "yeah I know you stated it costs $x, but I only want to pay $y...

The point many fail to see is that the fee is supposed to be a penalty and an incentive not to repeat the action. The theory is for $35 people will actually feel it a bit and try to alter their behaviour and not let it happen again. If they only charge 9c, no one will care and their accounts...

Indeed, why take responsibility for your own actions when you can just blame someone else, and better yet - sue them for it! :rolleyes: