Thread: OMG, unbelievable, advise please

Hi all, I'm sorry for the format of this querie but I really have to go out very soon so please excuse me for this

Dear Sir /Madam,
I’m am writing about the charges on the above Account and to ask you to consider cancelling them, and to explain how these charge came about.
In around XXXXXX last year I was out of work and XXXXXXXXXXXX, so I knew I might find it hard coping financially. To avoid any problems I went into the XXXXXX branch of the XXXXX and cancelled all my Direct Debits leaving enough money in to cover the money going out that month, I did this so that I didn‘t go overdrawn because I didn‘t have enough for the D/D‘s. From XXXXX last Year until XXXXXX, when I lost my home, I was paying all my bills monthly by debit card.
I was then homeless until XXXXXXXX but my ex gave me my mail when I saw her. I didn’t open my bank statements because I knew how much money was going out of it, namely nothing unless I’d paid it by Debit Card so I saw no point and I had other (to my mind at the time) more important things to worry about, like being homeless, losing everything, problems claiming Benefits and some serious health issues ect. I had no idea that United Utilities had attempted to Debit money from the account, I had after all been paying everything I owed them by Debit Card and had cancelled my D/D’s.
I still don’t understand how they can re-instate the D/D after I had cancelled it, when alls said and done I withdrew permission for your bank to give them my money when I cancelled it, I am finding it hard to believe that a third party can tell a bank what to do with money that they have no claim to and the bank will honour it even after any previous permission has been expressly withdrawn. While this has been explained to me I still find it wrong that a bank which is there to provide a service to the Account holder only, willingly allows a third party to re-instate a D/D which the Account holder has cancelled, in other words, has said “don’t give them anymore of my money”.
Another point I will make is that the Account was in Credit even after United Utilities re-instated the D/D, you did not honour the already cancelled D/D, the computer said no, I only went overdrawn because of the charges which have been applied due to U/U re-instating the D/D I cancelled which you did not honour, basically I have been charged over £several hunderd quid (I was in Credit), to date, for the computer saying no to a D/D I did not authorise or actually owe.
While I have been writing this letter I have come to realise that this is all the fault of U/U, while I was paying over the phone by Debit Card they were attempting to get the money twice by re-instating the D/D, I will be writing to them and asking for an explanation for this, but in the mean time I will ask that you please cancel the charges or at least hold off ruining my credit record until I have had the chance to find out what U/U are going to do about this. I would also like to ask that you do not take anything from my other Account, XXXXXXXXXX and that you allow me to keep using it, I have benefits only paid into this Account and without that money I would soon find myself homeless again and falling into “real” Debt.
I have at all times done everything to avoid this situation, it has been explained to me that I should have cancelled the D/D with U/U but I didn’t know this and I was paying them anyway by Debit Card, this can be seen by looking at the payments from my other Account to U/U.


This is a work in progress so please forgive the basics, i write what i think then edit it so this is NOT what I'll be sending, it's the red bit that i need help with,,, thanks

Thanks for myour replies, I'll get onto it today