Dear Mr Banker...

Tomorrow sees the day when it is likely banks will receive £50 billion of our money. This is the first stage of the 'bail-out'.

Lets look at this 'consumer-wise', shall we?

I don't recall the banks asking me to borrow money, so I guess that would make it an unauthorised overdraft. 

That'll be a £20 overdraft fee + daily interest, then please!

Oh, and if you don't pay, we'll send some big men round to take your house - just like you do!