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About pondwicks

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  1. I had an account with the Halifax which I thought I had closed. Apparently it had a £10 overdraft and now they are putting a £28 charge each month plus interest. How do I prevent this? I am not in a position to pay at present, which they are aware of. I am presently considering bankruptcy,but once again money is the problem. For my husband and myself to go bankrupt will cost £1000. Any advice will be gratefully received.
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