Thanks for the reply appreciated ....

i think the charges are at 675 or so and they have said that the account was frozen but i must check my credit rating as god knows what the swines are up to behind my back , and their cust. service aint very helpfull either ....i have informed the financial ombusman and will try that route....

thanks again

hi there i hope someone puts on a decent and knowledgeable reply as im in much the same situation as yourself only i didnt set up an agreed overdraft . i actually was £3 in the green and the atm let me take out a tenner then the account snowballed from then on till around the same as yourself.

i have also recieved the charges are correct and that they have made their final decision......