So, for the first time in a long time I got hit with a direct debit and overdraft charge because sneaky T-mobile took my cash out before the 1st of the month. I probably shouldn't have been living so close to the edge but since I reduced my overdraft to £200 I flirt with danger all the time. I got charged £25, which we know isn't representative of the cost to the bank. It seems that despite the ruling and banks having to repay unfair charges, nothing much has changed.
I know that Ryanair don't pride themselves on customer anything but I paid £48 for web check in and card charges for some flights (I had to fly Ryanair as they are the only people that went to the destination). Now the Office of Fair Trading are on their tails. And rightfully so. I hope you can claim retrospective charges back as in the case of the banks.
I'm guessing that this has come about following a huge volume of customer complaints. I myself wrote to the OFT about my Ryanair charge because it was so unbelievable (I also wrote to them about BT charging to not make calls but apparently that's legal).
Anyway, I digress. If that charge had more closely represented the cost to the company I probably would have paid it, never complained, and paid it again next time I used the company (I havent even taken the Ryanair flight yet, but i'm already hoping that this is never). The same with the banks. if you got charged a fiver, you probably wouldn't even notice, let alone complain.
So the moral of the story? Only be a little bit greedy? Shock horror, charge fairly?