There must be millions of people, out there, who have had to budget for the loss of interest, they had expected fom their savings. The winners in this situation, are the people with huge tracker mortgages . Now due to job losses, the elderly are being means tested on their savings. If you have savings in excess of £10,000, and you are receiving pension credits, the interest is calculated as unearned income at the rate of £1 for every £500 in savings. Is it fair that the banks regain their profitability by withholding interest from elderly modest savers and assume unearned income that does not exist