I'm popping out to our bank tomorrow at about 11.30 am. Why? well
Every year they charge me €15 for a credit card I haven't got, and
Every year I go to them to have the money refunded, and
Every year they say it won't happen again.
All this happened again two weeks ago and they refunded €13.75, keeping one twelfth of the fee, presumably for one month's non-use of a card I've never had!
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