What to do

This process is not something that will happen with out effort. Like the environment we all have to do our bit. I do not want to use slogans but if we want a different world that reflects our wishes and needs we have to act, and influence social and economic progress. Spend half an hour on the Internet, use this tool, get some information. Research other banks and accounts. You will very probably find a better account and bank, more suited to what you really want. But think about safety, reliability, trust, honesty and maybe even morals. For example; do we want an account that offers you something for six months just to suck you in. I do not feel this is correct unless you can change your account after those six months, a marketing trick. Honest? Do we want a bank that gives out fees like confeti hoping that their clients won't kick up a fuss so they have to reverse these gratuitous charges. When is the last time the bank send you twenty pounds for a letter you had to write to them? We want a bank that plays by the rules, not just the legal words but the meaning of the contracts they have with their customers. Select a new bank and account. But if we are going to act together we must get our timing right. So keep this account as the potential next account.

It is time to use our individual power as a consumer. Our democratic right to vote with out feet. Exercising our right as consumers together will make our voice louder. The key is acting together, everyone. Not just people with overdrafts but also people with money in their accounts. Don't tell me that most of us have not had a a letter that cost us twenty pounds for the pleasure or an excessive or unnecessary fee or fine. It may not have been a lot monetarily but, it is the principle. We should not have to spend time solving bank errors or crazy fees. Lets face it they do not make it easy.

Most importantly is numbers. If you agree with the above and would actually like to do something and have an effect then please get your friends and colleagues to read this blog and vote in the poll even if you love your bank.

Thank you for your comments. When I have been writing these blogs I have had the UK banks in mind. So I thank our international commenters for their remarks. I hope that blogs for other countries will pop up using the simple concept of focusing consumer power. However, as most of you have noticed there are no ads or any monetising elements on this blog. I do not have the time or resources to do this for lots of countries, I am just a normal person with a job. I had hoped to leave that to other people. But the more information we can all share the better we can act, maybe even act together, so thank you and keep commenting.