Don't worry, I wrote a 1 pence cheque to every person I knew....With plenty of funds available. :)

I wonder how much it costs the bank to process a whole chequebook of one penny cheques :lol1:

Hang on, I'm confused. don't any of you have authorised overdrafts? I get charged x% of the overdraft balance each month, effectively hardly anything. Actually it's nothing as I rarely go overdrawn :D but the point stands.

Or are you with banks that charge you £35 for going into your *authorised* overdraft???

if somebody is constantly over the agreed overdraft limit, then i think they should have a word with themselves to be honest!

DITTO!

I know thats what they say, but I also know the petrol companies say they don't make much money from selling petrol!

Mind you they should be pleased with profits from personal current accounts, after all loads seem to be losing money on thir past large deals!

My Grandad used to be a bank manager, in the good old days when you could nip in and get a decision, good or bad, in a brief face to face meeting.

Anyway, that aside, I could explode with the aggro I've had. I had a CC with a decent limit and after a bit of lens buying had it close to the limit for a bit but then paid it all off. Imagine my horror to find that without warning they cut my limit to 10% of what it was before and then stuffed me £25 per transaction for going 'over limit'. I even paid off the balance each month on-line. I wrote to them demanding my several hundred quid back 2 months ago, still no reply.