Phase one is over. But consumers are being warned to assume nothing when it comes to payment holidays and other emergency deals
infamous for their snail-like pace of change, actioned remarkably consistently and even more remarkably without challenge, even at breakneck speed, would have taken years to implement in peacetime.alone. The battle for change may have been raging soon after the taxpayer had bailed out the banks during the financial crash, but it took at least eight years of warnings, appeals and lobbying before a ban on complex overdraft charges was introduced a few months ago.
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