I worked out that my bank hadnt actually being very helpful, with loans we couldnt afford and "compulsory" PPI etc. The synical might say nasty things about them. Any way both me and my wife complained and, due to lack of interest on their part, went down the Financial Ombudsman route.
For the cost of a few letters I got £5,000 back. Naturally I didnt get to see any of the money, it just got knocked off my balance.
But in the end it made it easier for me to offer a better F&F (as I owed less overall).
So if you got a case...worth complaining
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