How do you reckon the current fiasco over bank charges is going to finish?

Background reading:

http://www.financemarkets.co.uk/2007...-unreasonable/

http://www.financemarkets.co.uk/2007...rcharges-case/

http://www.financemarkets.co.uk/2007...ges-judgement/

It was interesting to see the county court decision go in the banks favour - and even more interesting to see the banks citing this as a legal precedent in order to - apparently - intimidate people against making further claims against them over charges.

However, I think Tom Brennan probably has a case here:
BBC NEWS | Business | Barrister fights Natwest charges

and he's pushing hard to get a full court hearing.

If he does, I think the banks will lose - they are making profits on debt defaults via a loophole - but even if this is closed, the banks will simply apply the charges elsewhere.

We've already seen a number of credit card companies, most recently Barclays:
http://www.financemarkets.co.uk/2007...low-usage-fee/

suggest charging a fee for "low usage", so I'm sure we'll see more on this.

Overall, if the original bank charges are ruled illegal, I think banks will simply try to charge a little to more customers, rather than a lot to a few.

2c.

I'll bet that the banks win and we lose! Other than that, nothing will change.

It seems grossly unfair to charge someone a fee on their account, then overdraft fees, then more fees everyday. This can happen if you forget to close an account, even. Hundreds of pounds of fees for one mistake!

Agreed. But they are the ones with the money and power and the government will bend to their wants over the needs of the people. They always do.