Dear Guest 04.22

The milk of human kindness runs freely in your veins - doesn't it? You really don't know the circumstances yet you judge very harshly. Perhaps you're right, but maybe you're not. My phone can't remind me because we don't ALL have smart phones.

Unfortunately, many people expect free banking and free card services, which is fine except that the operators then have to make their money by penalising you when you break their rules.

If you don't like it then change to another provider or stick to the rules.