On 2007-08-03 22:35:10 +0100, "Dave Plowman (News)"
said:

In article ,
R D S wrote:
I have had every penny back from banks who have charged me for
defaulting in th elast 6 years. Im not getting into the fair/unfair
thing but I got my money back, and I am having the last laugh.

And we'll all laugh when they impose bank charges for those in credit all
the time.

They already do. The charges are simply hidden in most cases.

I had this conversation with my bank manager some while ago.

They don't really care whether they make a margin from the customer
through charges or from use of their money.

Ideally they like customers with a large balance - it doesn't matter to
them whether that is positive or negative. If it's negative, they can
charge interest directly - if positive they can use the money in the
market, and pay the customer less than the market rate, with many types
of account, considerably less.

Charges are used as the makers of money for customers with
comparatively small balances in either direction, and as a proportion
of the balance are considerably more.