To my memory, whether he was ringing from his office at Stanford University's Hoover Institution, from one of his homes in the San Francisco Bay Area or from anywhere else, he always had the operator reverse the charges.

FORBES: No Such Thing as a Free Call

"A Northern Ireland Executive could decide to reverse the policy on water charges, " it said.

BBC: NEWS | UK | Northern Ireland | Water bills 'on hold' after deal

But the bank said it had started to correct and reverse fees and charges and would provide full details of its redress procedure as soon as possible.

BBC: Ulster Bank logo