i had (till the 30th of december 2008) a silver account with lloyds TSB Charging me £2.50 For Insurance's Opened The 20th of june 2008, which i had no problem paying till i moved city and went on JSA, Since I've Done This... The Banks Charged Me Several Times In The Last Three Months, Even When The £2.50's Been There, In Some Cases I Didnt Get Paid Till The Day After It Was Due To Go Out, I've Been Charged Twice by The Bank In The Last 2 months, Smalls Fees Of £7.95 And Then On Top Of That £57... I Checked My Bank This Morning To Find They Had Charged Me Another £7.95 With £75 On Top, The £2.50 Wudda Been There To Cover This Month (as When I DownGraded My Account They Said It Wud Take Upto 3-4 Days To Change) But Cos Of The Charge I'm Now Left Overdrawn And Not Paid Again Till 13th Of Jan 2009 And As Soon As my Money Goes In Their Gunna Be Trying To Take £78.88 (all My Money, Gone) Out For Charges, I Am Going To Fone The Jobcentre Monday morning to try and get my money paid into another account, but is there much else i can do? I Mean £78.88 For £2.50 Seems Abit Much... Cheers