You're hilarious, I wish I was so well behaved, I really do. Does the bank live up to its obligation to pass on interest rate reductions to you, give you good FX rates when you transfer money, and give you good pension, annuity and credit card protection advice? Errrr, no.
But in real life, the bank has lent me a tiny sum of money, less than 0.00001% of what they received in bailouts, and the interest rate is almost 10 x the bank of england base rate. Also, it's not really the bank lending the money is it? That died a long time ago... mortgages are packaged and sold so many times no one knows who owns what. Hence the credit crunch. And if the bank wanted to shut the mortgage down, this isn't one of the 120% mortgages they were giving out, the loan to value ratio is tiny.
All in all, they're having a hissy fit. It's about the only thing they're good at.