We werent penalised either and just so everyone know when i questioned ptsb in my complaint about no penalty they wrote saying it was due to a system issue they had (ithink it was around jan - mar 2009) how coincidental lol. So i further complained that they never bovered telling us after either. Id say theres 1000s of customers that dont have a clue about ptsb mistreatment of there customers. Im awaiting fso decision on my case pending the supreme court ruling but as thats not happening fingers crossed