Okay, let's try an example. Say you put money into a bank.
Then you go to the bank to get your money (it is your money after all).

Bank: "I'm sorry, you can not get your money because of a fee."
You:  "What fee?  I don't know anything about a fee"
Bank: "Yes, it is industry standard. You should have known this before you came here."
You: "Where was I suppose to learn about this fee?"
Bank: "Any place but here. We only tell you about the fee when you are trying to get your money."
You: "Can you waive the fee?"
Bank: "No. We use to not charge it, however we changed our policy."
You: "How is policy made here?"
Bank: "We make it up as we feel."
You: "Is there someplace I can find out about your policies?"
Bank: "No."
You: "How can be know when your policies changes?"
Bank: "When it changes."
You: "Ok, what is the fee?" Banks tell you. You pullout your mobile computer (i.e., cellphone), check something and say, "Well, I just checked and industry standard is lower then what you quoted. Could you explain why you charge higher?"
Bank: "Could we help you with something else?"
You: You notice that your question wasn't answered and the bank is not going to do it.
You: "How do I know that you have my money?"
Bank: "You will have to trust us. Have we done anything that makes you to not trust us?"
You: Stare in disbelief .

Will this happen in your bank? No, your bank would disclose these to you.
It may be in small print and in a language you don't understand (legal writing), but it is disclosed.

If this did happen with your bank, I assume (could be wrong) that you would consider this a scam.

When this happens with BCP, you consider it a badly run service.