Hi There, it's nice to know we are not alone... In November I decided to stop using this bank but not closing the account, and forgot I had a DD set up with google, so when the payement came out £4.80 A.L charge me £10. I paid straight away and too quickly as I made the payment( HSBC use a pre-select name of payee) to the credit card instead of debit card. So nothing has been notified to me until the last statement from A.L asking me to pay now £65 fee for the £4.8 O.D. Should I pay or just send them a polite letter? thanks for your advise.