Hi Bigdess, Just joined this forum this morning after checking my statement online, yes I have an overdraft (doesn't everyone) and it's been exceeded so they saw fit to hit me with (4) unpaid direct debits @ 38 each, (3) of them were for less than 15.00. I have read through your post and wish you all success in your efforts, I think today is the last straw for me, its parachute bank account time. Good luck. Havenodough