BANK OF AMERICA I am 91 years old, and was charged with Credit Protection Plan for 12 months and am unable to get my money back. I told them on the phone I was not interested in the plan but was charged anyway. Palatka, Florida

Sorry to read that you ran into a common problem. There is a film that sets out in easy terms what the game the banks are playing named MAXED OUT. I advise that you look at it since deregulation has caused problems throughout our country. This system is by DESIGN and targets the poor and the middle class, especially since we are loosing the middle class due to the banks screwing up our economy. The banks have all the ends tied up legally and can be quite nasty when you try to get your money back. This is a new system that would have been called USURY in the not too distant past. Anyone that voted for President Reagan and anyone else until President Obama has taken part in the de-regulation scheme. I also advise watching THE CORPORATION, SPEAKING FREELY: JOHN PERKINS, THE END OF POVERTY?, and LIFE AND DEBT. Once you understand how evil the system is you will appreciate your situation in context. Banks are treating Americans like they have been treating the disenfranchised countries dependent upon our credit for their salvation. It is a deal with the devil. Banks are NOW not concerned about their customers. That is the fact many on this site have experienced.