Comment Re:So offer a cost effective replacement (Score 1) 185
Your consumer protection laws are weak. You should lobby your elected officials to strengthen them.
For example in the UK you could complain to the Financial Services Ombudsman. That instantly costs the bank money so they ate keen to avoid you doing that. The FSO then makes an impartial decision based on the rules. In your case it's hard to see how you could have lost. Costs you nothing beyond the time you spent writing letters anyway, and the FSO will accept email as well.