I am with First Direct and they are the best bank I have ever been with. Their service has been second to none..... and would be happy to pay the fee....luckily I don't have to as I also have a savings account, visa card and offset mortgage with them. They have sent a letter to all customers advising them if they will be charged or not and if they would be liable for the charge, if there are other options they could go for to avoid paying it
