if you don,t mind me mentioning this, we are all wasting our time contacting government departments asking them for help, let's be honest, taxes of all descriptions have gone up this year, new taxes have been invented using green issues as an excuse, council tax has risen, so has water rates, gas, electric, interest and mortgage rates, not to mention car tax for those of us that has a 4x4 although it is eco friendly and smaller than the neighbours car that pays less road tax, and the good news is in the future you will be forced to pay a pension to the government with money you don't have, unless you opt out. So after my moan here's a bit of fun, send your bank an xmas card,valantines card, whatever and put a letter in with it saying you are going to charge them £39 (as the halifax does) administration charges, telling them if they refuse to pay they will be taken to court, you may not win but it would be a pleasure. One last word don't forget that the government will be charging the banks tax on the profits which are made up of the illegal charges taken from us the honest and struggling working public. Shame on you Mr Blair and I hope you never have to struggle to make a living like the honest public, (well that's a lie I do hope you are brought down to earth.) Anybody wishing to contact the prime minister about this please feel free, but remember theres no point knocking when there's nobody in.The lights are all off.

the financial onbudsman, the oft and many other government departments are suposed to be here to protect us the public, but it seems the banks have all the power in the uk, if i were to go and rob a bank i would go to prison, when a bank robs us it,s brushed under the carpet (probably a carpet bought with bank charges illegaly taken from us). My recomendation is maybe these government departments that don't usually do much to help be shut down, then the money saved could be given to banks to refund bank charges illegaly taken from us.