From: "Tim" 
Newsgroups: uk.finance
Subject: Re: Unauthorised Overdraft Charges
Date: Wed, 18 Apr 2007 08:56:57 +0100

> John Boyle wrote:
>>You do A and we will waive all our transaction and service charges
>> for your account. But if you do B then you will have to pay for
>> these services which will be collected in proportion of the amount
>> of B that you do by charging you £XX for every act of B.
>
"Peter Saxton" wrote
> That seems like a penalty diguised as a service.

When a new client comes to you, do you give them
half-an-hour to an hour's consultancy for free first?
   "A"  =  First hour's consultancy;
   "B"  =  Subsequent hour's consultancy.

Is the charge for B a "penalty diguised as a service"?