Edited sentence: Also, they changed the name of their unauthorized overdraft fee to an 'overdraft arrangement fee' in an apparent attempt to circumvent the growing number of Small Claims cases being brought against the banks.In common with other banks, First Direct Bank had been charging hefty fees for customers that went over their overdraft limit.It does not stand out the way the telphone banking does: their telephone banking being popular due to its human response (calls are all answered directly by an assistant).Launched partially in July 1997 and fully in 1998, the internet banking design is only average.The internet banking design is only average and does not stand out the way the telphone banking does: their telephone banking being popular due to its human response (calls are all answered directly by an assistant).The internet site on the other hand has some poor design features (for example: when making a future payment currently scheduled payments are not listed, making it easy to unwittingly arrange duplicate payments).This upset many of its customers.When customers started reclaiming these fees in their thousands under the threat of Small Court Claims action (the fees were widely considered to be illegal), First Direct set up a new fee structure for customers who were depositing less than GBP 1,500.00 per month into their account