Of course, whether anyone actually brings a case for underpayment is a different matter, but given that HMRC are involved at both ends of the process it's likely they will smell a rat quite quickly. Our current account range includes an account which will try and keep you out of an Unarranged Overdraft by stopping payments where possible and charging no Unarranged Overdraft Fees and another with no overdraft facility at all. What happens if people are living in circumstances where personal control over household finances is an issue.
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