"We haven't always provided a quality service" the Pensions Minister told Good Morning Britain, justifying today's controversial introduction of charges for Government assistance in collecting child maintenance payments.
Steve Webb MP likened the new fees to the prescription charge, promising a better service for parents' money.
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The lender, which is the worst affected by the PPI mis-selling scandal, said it has also set aside £150m for other conduct issues.
Vodafone has been fined £4.6 million by the industry regulator for "serious and sustained" breaches of consumer protection rules.
After a very foggy start it should be a sunny afternoon for most of us.