After two years of legal battles, countless numbers of angry consumers and several apparent victories for the Office of Fair Trading (OFT), the ruling has gone in favour of the banks.
Hundreds of local customers who've been stung by charges for using an unauthorised overdraft will now be unable to demand a refund from their banks.
Dungannon woman Shauneen Burns said she had lost hundreds of pounds in unfair overdraft charges over the years.
"With so many direct debits and bills that can go up and down each month, it's very hard to keep track on your finances all the time", she claimed.
"These charges are unfair, especially when you consider the administration fee for dealing with an overdrawn account is a few pounds. This legal decision is yet another concession to the banks. They are running the country."
"It's clear banks are calling the shots", added her friend Janine Kelly.
"They are a law onto themselves. These charges are a total rip-off."



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