Why would people change accounts?
Why move from one theiving monolith to another?
They are all the same - they are greedy, they lie (a lot) and ALL are very, very inefficient.
I started a business a few years ago, and when my partner and I started to realise we would need a bank account, my heart sunk.
I knew the nightmare ahead.
...and I was right. Documents sent to the wrong address, letters addressed to the wrong person, cards "lost in the post", the list was endless.
Went to another bank, and guess what. The incompetence was just as bad.

Dave, Kent,

Common Law states that if a penalty exceeds the Liquidated loss (ie Cost to the bank) then the penalty is unlawful. Why do the banks not come out and tell the country exactly what the cost of rejecting a Direct debit or returning a cheque actually is? Whatever the OFT find whether the terms are unfair or not it makes no difference to the case for Common Law. This case should not be about setting what the OFT thinks is fair as they did with Credit Cards -' not to exceed' £12 it is still unlawful at Common Law if £12 exceeds the liquidated loss. Just pay people back and move on.

Alan, London,

People do not change banks often enough for one simple reason 'The Cartel Set-up.' Banks, like supermarkets, try and hoodwink customers into thinking that there is competition in the market place. However, when all the gimmicks and offers are stripped out there is very little difference between the banks. I agree there is some inertia but the gains in switching are so miniscule it isn't worth the hassle. Now, if the FSA clamped down on some of the banks rip off procedures and products the customer would benefit -- but they won't.

R.Allely, Cardiff, Wales

Consumers grumble and complain and generally make noise regarding banks and their charges, but how often do people move accounts. It's now easier than ever to move accounts. If more people moved and told their banks why they were doing so, the banks would be forced to act, or risk loosing business. Many people have no loyalty to our credit cards and change to keep with a deal that suits us... why not do the same with banks.

Christopher, Manchester, Lancashire