High Fees

I wonder is anyone else have reviewed their service fees from SBSA. Year-on-year I am paying roughly 8-9% more in fees, not the same as adevrtised by SBSA. In one clever move they have jacked my CC fee from 10.09 to 14.00, that equals 38% in my books. In the meantime they have closed down the branch near me (not that I miss is), and I do most of my transactions via the internet. The big questions remains: why do we have to pay management fees if we are managing our own accounts. I have tried following up by calling the call centre - here have waited between 5-20 minutes for a response. Not worth the expense as these are not toll free.