Hi Sea-Sidelady, Thanks for your reply and advice on this matter, well I went to my local branch of the BOS this morning as it's just around the corner from my house and spoke to someone else and she appologised as she didn't understand why the other person hadn't put it through to waive my charge. The good news is that she waived the charge immediately and the money was back in my account within minutes. I also asked her if due to me not having anough in the account when the charge got put on will I incurr any charges on it and she told me that if I do to go back and see her immediately. Once again thank you. Jim

This is my 1st post and looking for some advice I got a letter from my bank (BOS) last week stating that because I didn't have enough money in my account to cover a £5.96 Direct Debit that I was being charged £39.00 (I had £3.48 in my account). So I went straight round to the bank and spoke to an adviser who looked back on my account and told me that it was something called a staggered DD and that as it was my 1st time getting a charge she would get it waived, I was happy with that but asked if I could get that in writing which she said I couldn't. So this morning I checked my account and to my anger they haven't waived it at all and now I have no money in my account as it's my disability benefit and my wifes carers allowance that goes into that account and we don't get those until a Monday and Tuesday so now i'm another £38.08 in the red and will no doubt get another charge put on. Needless to say i've cancelled the direct debit but now i'm upset at them saying they would cancel the charge and now they've incurred me another charge by going against their word. Can anyone please advise me on what I should do. Thanks