Those who urge not paying and not worrying about their credit rating.

Why not just stick a balaclava over your head and rob the bank? It saves you having to lie about your intentions.

I hold no candle for banks and their modus operandi have the morals of an alley cat. But to call them bastards when you are clearly failing to do as agreed and they then invoke something you agreed?

Oh and to assume people who play within the rules must be retired bank managers, directors of companies etc? Kampervan seems to think the vast majority of people are more upwardly mobile than we thought! Albeit mobile as in smartphone.

I once paid a cheque in from a friend I had lent money to and it bounced. Sadly, it bounced on the day my DD from a credit card should have gone out. I got penalties from both the bank and credit card. It was quite a few years ago so I don't recall the amount. But I don't recall thinking their invoking a clause I agreed to was unfair. My situation was, but not their reaction.