Tony Hazell of the Daily Mail on what to do about bank 引き裂く-offs.

By Daily Mail Reporter
Updated: 00:00 BST, 2 September 1999

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研究 from Which? 確認するing that the big banks are ripping us off sho uld come as little surprise.

We have long 最高潮の場面d the poor value 申し込む／申し出d by High Street banks' 保険 and 貯金 製品s. What is surprising is the 規模 of the 引き裂く-off and the fact that we continue to let them get away with it. Which? （人命などを）奪う，主張するs that some families would be £1,000 a year worse off using their bank than shopping for the best buys.

Some people may be too busy to shop around. But £1,000 a year is a 抱擁する sum to most families. Surely it's 価値（がある） scouring the 圧力（をかける） and making a few phone calls to save that 量 of money? Maybe some have a misguided 忠義 and believe their bank will 申し込む／申し出 the best 取引，協定.

But I 嫌疑者，容疑者／疑う in most 事例／患者s it's sheer inertia. It's simpler to buy what your bank 申し込む／申し出s and then to keep buying it year after year.

If you can afford to 寄付する £1,000 a year to your bank then by all means carry on. But if you could think of a better use for your money then search for a better 取引，協定.

一方／合間.....most of us are 利益ing from the lowest mortgage 率s in a 世代. So the behaviour of some 貸す人s who are 非難する more than 10% 利益／興味 is nothing short of scandalous.

Often those 存在 告発（する），告訴（する）／料金d the most are those least able to 支払う／賃金. They 含む Elizabeth Palombo, who gave up work to care for her parents and is 存在 告発（する），告訴（する）／料金d

11.09% by NHL - a 特に 汚い 貸す人.

It has since 改名するd itself Paragon Mortgages. Paragon, によれば the Oxford Dictionary, means '明らかに perfect person or thing' - 公式文書，認める the word '明らかに' - an apt description of a 貸す人 which markets low 率s to new 顧客s while fleecing its older 長年の ones.

Some of those who went to the centralised 貸す人s were 非，不，無-status borrowers. They could not 証明する their income and should 推定する／予想する to 支払う／賃金 a higher 利益／興味 率. But once they have 始める，決める a good 支払い（額） 記録，記録的な／記録する their 利益／興味 率 should be lowered. What's most worrying are some of the 指名するs 伴う／関わるd - Abbey 国家の, 全国的な and Bradford & Bingley are suppose d to be の中で good guys. It's time they looked closely at the mortgage 調書をとる／予約するs of their 子会社s and gave their borrowers a fairer 取引，協定.

And finally.....支払う／賃金ing for your child's education was once for a 井戸／弁護士席-off 少数，小数派. Now it's a prospect every parent could 直面する.

If your son or daughter is 有望な enough to go to university you will have to 選ぶ up at least part of the 法案 - or leave them 直面するing thousands of 続けざまに猛撃するs of 負債.

The 最新の 見積（る）s 示唆する it costs about £20,000 to put one child through university. Even if your son or daughter doesn't go to university, you are likely to have to dig into 貯金 for their schooling. Uniforms, games 器具／備品, 調書をとる／予約するs and other 必須のs can cost several hundred 続けざまに猛撃するs. 漸進的な saving over many years is いっそう少なく painful than 苦しむing the shock of one 大規模な 法案. So if you've got children, start saving today.