Mr Darn, it isn't always our fault when we are charged by banks. A while back I ended my contract with an insurer – paid off what I owed, cancelled the Direct Debit and left it at that, thinking it was all sorted. A while later I got a letter from the bank stating that I'd been charged £80 because the insurance company had tried to take a stupid amount of money out of my account – twice. In the end I got an apology from the Insurers, but the bank was adamant that I paid the £80. I didn't though – I went to the branch and told them that I refused to pay it. After about 20 minutes of arguing and feeling like I was getting nowhere, I just requested to close my bank account. Funnily enough, the clerk went scurrying off and came back with a manager of some sort, who politely said that he would be quite happy to write off the £80 for me. I would have had to pay the bank £80 for the mistake of someone else – it was out of my control. Today's ruling at the Supreme Court doesn't really bother me that much – it didn't come as a surprise. Bet it doesn't do anything for people's feelings towards the banks at the moment though.