THE banks often get a tough reputation, but it is no surprise when you consider the history of dodgy products and poor customer service that have littered the industry.

The Financial Services Bill is passing through Parliament and will change the way that banks are regulated.

Which? wants the bill to create a strong watchdog that will stand up for consumers, and up to the banks.

Go to which.co.uk/watchdog adoption for details.

PETER VICARY-SMITH, chief executive, Which?, Marylebone Road, London