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Abbey/Santander : Changing Overdraft Charges


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My statement came through yesterday and with it information about the changes to overdraft charges starting on the 16th of March (apparently). These charges will amount to £7 a month for me, as I have an authorised overdraft of £200 i'm never fully out of. I have tried, over the past many many months, to close this account down. But because I'm overdrawn they refuse to listen. I understand that i have to pay what I owe in respect of that overdraft and I've offered to pay the £3 I normally pay in interest (I certainly can't afford any more) and just close the account down, but they would rather not listen. All I'm doing is just treading water and moving what money I have from my other account to this one. Even that's difficult because there's no branches of the bank near me and they refuse to use the post office for my account (and we have no ATM's either). I can't afford to pay what these new charges will cost me and I need to deal with this in advance. What can I do to get them to close this account and just accept my token payment?

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