Hi i am just going into my second year at university and are over my £1000 overdraft by about £100. I thought this was part of my £1250 overdraft which is given to second year students. As I now know it isnt and the reason they were letting me take money out is due to a reserve they allow. They have now been charging me £20 every 5 days I was into the reserve. I will not be getting my loan for another few weeks so I am scared it will build up. Is there anyway I can get this money back or stop them adding my charges to my account? thanks