Bank charges.

Sorry, but I welcome the Supreme Court's ruling that - effectively - banks are entitled to charge what they like to customers who go overdrawn without prior authorisation. What's the alternative? Why should people like me, who manage their finances properly and never knowingly go overdrawn, subsidise those who don't? If you know you haven't got the funds in your account to meet your immediate liabilities, then you approach the bank and ask for an agreed overdraft facility - and if you don't, then on your own head be it. Take responsibility for your own actions, for goodness sake!