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As our thoughts turn to holidays in far-away places, the Consumer Council has launched Plain Sailing - the essential guide to ferry travel to and from Northern Ireland.

The Consumer Council says that customers here could have paid anything up to £210 million in unauthorised overdraft charges over the last six years . While some customers have been successful in challenging these charges and gaining refunds from their bank, the true payout may never be known because some customers are being asked to sign confidentiality agreements.

The Consumer Council has formally been established in law as the champion to represent the interests of water consumers here and hold Northern Ireland Water Limited (NIWL) to account. To mark the occasion, the Consumer Council’s Water Group held its first meeting as part of the organisation’s new legal responsibilities for water that came into affect on 1 April 2007.