Regarding FD:
Then mysteriously, the next month, they started deducting £10 per month "service charge".
Nothing mysterious about it, they started charging £10 per month unless you have a certain balance in the account at all times, or you have a FD Visa card. Made quite a splash in the press - from el beeb:
http://news.bbc.co.uk/1/hi/business/6148776.stm