I should not watch watchdog!
They had a worrying article of banks freezing accounts for suspected fraud, for days, weeks, months.
If my bank did that I'd be in the branch asking for my money and if not given it, calling the police and demanding they be arrested for theft! No idea if that would work, but ultimately if someone has my money and will not give it to me that has to be a criminal offence one way or another.
Then they have a case of of Oyster cards in same wallet as contactless debit cards- saying you cannot have non-contactless debit cards. Do that to me and they would get a dispute, via the financial ombudsman, every single charge they make. Simple as that.