"Scandals" in financial planning, an industry deadweight for more than a decade, turn out to have chewed through around five per cent of one year's big bank profits, since the pioneering reporting of Adele Ferguson from Fairfax Media made this matter a hot topic.The direct cost to the big banks, in aggregate, for refunds and sanctions arising from misconduct on financial advices is A$647 million, so far, data presented to the Royal Commission into misconduct in banking shows.Commonwealth Bank's bill tops the rankings at $328 million.An overview of the compensation paid and the number of customers affected provided the prelude, yesterday, for scrutiny of "fees for no service" by all four big banks and also AMP.Peter Kell, deputy chair of ASIC told commissioner Kenneth Hayne that "in all the instances, the systems that underpinned the ability to collect revenue were better developed than the systems that ensured that the client received the advice service. "Systems for actually tracking whether the advice had been provided were, poor."The nature of the contract between the consumer and the licensee was sometimes unclear as well. And I think it's also safe to say that because of the passive nature of the payment, that the fees came out automatically, that many consumers did not have a good understanding of what was being charged."The post-sale treatment of customers, unfortunately, does not match what customers might expect upfront."This topic drew out some musings from Hayne, styling the banks' posture in financial advice as "selling what you can't deliver, selling what you won't deliver and selling what you don't deliver."Kell elaborated that "'don't deliver' would characterise the majority of the cases that we're talking about, [and] it would appear some of the 'can't deliver' perhaps being mixed in there as well, but this issue is one where I think there is more of a service where you don't deliver, rather than won't."Selling what you can't deliver, Kell said, "might raise issues about application of the law that are rather different from either of the other two categories."