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Banks and card providers charge penalties if you breach your contract by defaulting, making a late payment, going overdrawn, returning a bounced cheque, or if a direct debit or standing order fails. The thing is, they’re not allowed to do this: Read more

And while we’re on the subject here’s a link to all things about money saving:

How I Opened My Own Bank!

https://www.zopa.com/ZopaWeb/

http://moneysavingexpert.com/