Fully Charged briefing sheet

The recession has left Scots more exposed than ever to being overdrawn on their bank account and experiencing high charges imposed by their banks. Citizens Advice Scotland’s latest report, Fully Charged, looks at the sharp end of overdraft charges, showing that charges are not always caused by budget mismanagement on behalf of the client, that the most vulnerable clients are hit much harder by bank charges than those who are better off, and that banks are failing to help those struggling with their finances.