agreed, G. And that woman wants a kick up the arse, bluntly, because it doesn't matter what was signed ... the clauses are illegal so shouldn't have been there to sign in the first place. The law isn't retroactive, admittedly, but people are getting refunds, and for a bank to say "well you signed it" over something that has now been found to be effectively fraudulent is outrageous.
They're all bastards.