BANKING SERVICES AND THE CONSUMER A REPORT BY THE NATIONAL CONSUMER COUNCIL; Copyright; Banking services and the consumer A report by the National Consumer Council; Copyright; Contents; Introduction; Note on terminology; SECTION; Section 1 / Conclusions and recommendations; Section 2 / Banking services and the consumer; Section 3 / Cash, cheques, credits, debits and charges; Section 4 / Access to banking services; Section 5 / New technology; Section 6 / Banking services and the law; Section 7 / The resolution of disputes between bank and customer; Section 8 / Saving and borrowing

Section 9 / Competition and regulationSection 10 / Northern Ireland and Scotland; Section 11 / Executor and trustee services; APPENDIX; Appendix I / Some of the developments in consumer banking services during the time this report was in preparation; Appendix II / Research into consumers' attitudes to banking services, by Market Behaviour Ltd; Appendix III / Research into attitudes of consumers with bank accounts, by Market and Opinion Research International; Appendix IV / The economics of branch banking: a consumer perspective

Appendix V / Letter to Dr Gerard Vaughan, MP, Minister of State for Consumer Affairs, from Mrs Rachel Waterhouse, Chairman of the NCC Banking Services Working PartyAppendix VI / Cashless pay: the NCC's response to the Department of Employment's consultative paper; Appendix VII / Organisations which were consulted or gave written and/or oral evidence