Yes, I've been stung with these sort of charges myself in the past here in the UK - the banking code has cleaned up this practice a bit in more recent times; however I think it's fair to say there's a material difference between being stung for £200 and having your house being ripped from under you by sharp banking practice. I recommend watching the film "99 homes" - it's not a perfect film by any means but illustrates many of the coal face issues of mortgage repossession in the US.