Got a letter from my bank today (HBOS) telling me that I will no longer earn interest on credit in my account (even if it is currently 0.1%) and that "to make it simpler" overdraft charges will be £5 per day on unarranged overdrafts, and £1 per day on arranged up to £2500, rather than charge a percentage.
**** me! OK, so on one hand they're trying to stop people using credit they can't afford, but at the same time not rewarding those who CAN stay in credit. And at a time when people haven't had pay rises and generally cost of living has become more expensive! HBOS savings accounts are shocking too (most typically 0.8%) so I am now seriously considering changing banks after 12-odd years of trouble free banking.