Er had they got their way every time we put a cheque in or took one out or moved money from one account to another it would have cost us eighty pence, which meant that had anybody paid their their fees to the er and made the cheque payable to us directly, we would have had to bank that cheque and then reissue another cheque  er to the appropriate department and that would have cost us one pound sixty, for which we'd have got nothing.