I can't say i agree with the charges that HBOS have introduced, they were not going to work out for me so i jumped ship (a fair old bit of hassle) but was glad i did it.
What pi55es me off the most about it all is how banks advertise there accounts, get £5 a month for using this acount! what a bunch of bo!!ocks. No obvious by the way there is a £1 a day charge for using an arranged overdraft or £5* charge per day for an unarranged overdraft.
I mean you have warnings on everything now a days, from bottles of beer telling you not to give it to pregnant women, cigaretts saying they can kill you in clearer writing than the manufacturer name, gambeling sites telling you to be carefull and not bet too much, matches saying don't light near face.
If they are going to change there rules, accounts and the way they opperate after lulling the public into unhealthy practices surely they should be doing more to clearly advertise what they are actually selling.
* figure taken from earlier post