All (most of) our Xmases have arrived at once?

Our friend Andrew has sent this. Take advantage of it as your conscience dictates (those poor loves do need the money to survive and make their meagre profits):

'It is illegal for any lender to charge more than the actual admin cost of penalties levied: estimated at £4.50 maximum for a bounced cheque, £2.50 maximum for a DD etc. Lenders no longer use the word 'penalty' in the hope of getting round the law. They now call it a 'service fee'. The Office of Fair Trading has now refused to countenance out-of-court settlements where lenders offer partial repayments as 'goodwill'. You are entitled to full repayment of the previous six years of penalties with interest. No lender has ever contested a repayment of penalties case in court.'

Are penalty charges bank robbery?

How to claim back penalties

The Money Programme's own Bank Commission

Questions for the lenders