Banks are not nice people

So we is it that when you have a cheque presented and it bounces, a small issue of one day before the pay hits the account, they then charge you £30 for the privilidge of receiving a letter telling you that you don't have enough money to clear the cheque you just wrote.

So we then have to wonder why they charge you £30. It must cost them £3 at most to send the letter. Let's be honest, it's generated automatically by a computer and printed at a plant that will fold and stuff it into the envelope. So no human intervention at all.

So where does the other £27 go?