Fees
Any fee attached to anything needs to be justified.

In other words, scrap 'Fee-fees', whereby 'any company' can just attach a value to something as a 'fee'. 'A company' must be able to prove that it is more than just an excuse to get more money.

i.e. administration fees of 30 quid to send a letter to you about your bank account. This was likely auto-generated to a printer, stuffed into an envelope by a minimum wage employee and sent off. Total cost, about 50p.

Maintenance fees for an apartment. Does it really cost 1K a year to provide electricity for the apartment communal hallway and power the security gates?

If I can't afford to pay a bill, why attach a fuck-off big late fee to it when I am clearly struggling to pay it in the first place?

OK, so that last one may well be a deterrent not to live above my means, but let's keep them realistic eh?
(Galahad is out of his gourd on yellow bentines, Tue 27 Sep 2011, 10:56, 2 replies)

Actually,
As someone who used to maintain such machines, the bank letters are shoved into envelopes by a machine also - at 17000 a minute.

So 50p is still bloody expensive, the thieving bastards
( Another_tragic_case wished he hadn't eaten all the cake, Tue 27 Sep 2011, 11:10, closed)

Theoretically, that's how it's supposed to happen
Unfortunately, the courts are in the pockets of banks so thus far it's still considered "reasonable" to charge more than an administrative fee and some interest.
Just another case of the law not applying to those who are able to buy it.
(Me, I'm not... in any way intoxicated, Tue 27 Sep 2011, 11:43, closed)