[claytonender]

Roy, all you appear to want to do in your recent posts is express your own self opinionated views. You appear to regard your own views as being sacroscant and try to ridicule anyone who disagrees with them.

In this thread several people have tried to help you, but you did not want help. You only wanted a forum to air your views and those of anyone who agreed with you.

I stand by my posting that why should the majority of responsible holders of current accounts be expected to subsidise the irresponsible minority who expect to be able to overdraw their accounts with impunity.

If you have run 3 business, as you claim to have, you should appreciate that being responsible in your financial dealings is of paramount importance.

And no, I do not work for a bank, I am just one of the majority who will probably be penalised by the withdrawal of free current account banking by people who think like you do. People who are totally self centred and not prepared to accept that if you break the rules, you have to pay the penalty.