How it does seem that businesses seem to punish the poorest in the community. I had a direct debit fail, I was 16p out and no overdraft, but thanks to that the bank has very thoughtfully charged me £10 to cover their costs. Ten fucking pounds.
And not only that but if you fall behind in your payments in your gas and electric. Then they come and fit a meter, from all I have read, these meters cost more than a direct debit. How is that helping someone.
I get that companies need to make money but by charging people for things they can’t afford in the first place seems like a bonkers idea.