If I miss a late payment for my tax with the HRMC I am usually liable to a fine. It is my mistake and I have to pay for it. When the HRMC makes a mistake with my accounting and thousands of pounds go missing, I am not able fine them back. At best I can expect a muted apology from them (this has happened before!)

When I get onto the wrong train at the station, a genuine mistake the train operator makes no room for my error and will fine me or make me upgrade my ticket at a huge expense. When the train is late or cancelled at the last minute, there is no accountability to the passengers. How is this fair?

When I go overdrawn on my bank, the institution will have no problems with charging me with a fine. When the bank makes a mistake with my money (accidental double charges for instance) I have to point it out and get it sorted. Why can't I 'fine' them for their mistake?

Why is this idea important?

The idea is important because the system is unfair to the consumer and citizen and overly fair to the corperation or institution.

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