Bank Charges

Now I realise that the banks do not have a good reputation and I'm sure some of the charges they are making to their customers appear both excessive and unfair. However, I do think that

there should be some way to ensure that a small number of customers do not totally ignore the agreement they made when they opened their account. Those who
REGULARLY go either overdrawn or flout their overdraft limit should be penalised. Perhaps a seven day

warning should be issued telling those errant customers what they will be charged if they continue above their limit. Equally if you go overdrawn one day and are unaware of the fact banks should not levy a daily charge making the situation worse. I would not be happy though if banks were unable to make any charges to these rogue customers who ignore limits - and then charging the rest of us 'good customers'.