Hi everyone, this is my first post. Nearly 5 and a half years ago my partner was severely depressed, he was seeing a Dr and was signed off as Stressed. It got to a stage where we needed to pay for our rent. Natwest allowed us to up our overdraft by £100, each day (via the Internet Banking website) until it allowed us to have a maximum overdraft of £1800. A long story cut short, it got to a stage where Direct Debits were bouncing. We were getting charged for Direct Debit missed payments (at £30 each) and we getting charged even MORE on top of this for being over the overdraft limit of £1800. Direct Debit Bounces + Overdraft Charges Being 18, shocked and not knowing where to turn we decided to purchase a couple of Pay Day Loans to dry pay off the Overdraft. Essentially, we were paying credit with credit. We had to borrow money off of parents and we were in arrears with rent and Council Tax. 5 years down the line and we are still paying it off via Debt Recovery. In the end, it totalled to £3200. My questions are: Is it irresponsible for Natwest to allow a newly 18 year old to up their overdraft each day by £100 until it reaches £1800 without confirming their Annual income or their personal circumstances? Do i have a claim for Snowballing charges? Thanks for reading,