I'm afraid the banks here have been getting bad for some years.
About 15 years ago I had an account with what was the telephone banking division of one of the big chains. It was an auxiliary account for me, so I only kept a small amount in there, but I had a couple of direct debits paid from it. One month I received a statement and noticed that they'd paid out what should have been a monthly DD twice within a couple of days by mistake. As a result the account had gone overdrawn by a small amount.
It didn't seem to be a problem at first. I called and reported the error, was told it would be corrected immediately, and it was. But on the next statement, they hit me with interest, regular overdrawn fees, and an extortionate unauthorized overdraft fee. All because the account was in the red for about two days due to their error. It took weeks and numerous phone calls and letters trying to get those fees credited back. It was as though they thought I should still pay for their mistake.
Eventually, I received a letter from the manager with no apology or even an admission of error, just a very grudging "We've looked into the situation and on this occasion we are prepared to waive the charges," as though they were doing me some huge favor.
That did it. I withdrew the remaining balance and told them where to shove their account -- Politely, of course, but leaving them in no doubt that I considered their attitude to be arrogant in the extreme.
