Banks must deal with hardship cases, says Which?

As the Financial Services Authority (FSA) announces a six month extension to the bank charges waiver, which is due to expire on Monday 26 January, Which? personal finance campaigns manager, Doug Taylor, says: "An increasing number of people are finding themselves in serious financial difficulty so banks must be made to deal with genuine hardship cases, as set out in the waiver. The FSA must be vigilant and monitor bank behaviour.

"By the time the waiver expires in 6 months time, it will have been in place for two years. That's two years of consumers not being able to get their money back while banks have been able to charge billions in unauthorised overdraft charges."