
| Poll Started 29 Jan 2008: Bank Charges Poll: Fine v Payout. During the Bank Charges Test case HBOS’s lawyer said customers prefer a payment to be made even if it means a bank charges them a fee. The Office of Fair Trading disagreed, saying it believes customers would prefer the payment not to be made, giving them a chance to make alternative arrangements. If you had paid for something – whether a £1 bag of carrots – or your monthly mortgage payment – which took you beyond your overdraft limit without realising, would you prefer:
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