Hi, I had 2 direct debits due out earlier this month: 1 on the 6th and 1 on the 7th. Money for direct debits shows as 'alredy gone' the day before. I checked my balance on the 6th, the first direct debit had already been taken and the one due on the 7th had already been showing as taken. On the 6th a company (without my say so) took two payments through my visa debit card even though the money in my account was showing 'gone' alliance and leicester still let the payments go through even though there was no money to cover these. I have no overdraft facility!!! I received a letter yesterday which stated that I will have to pay £5 per day until the £2.97 which I am overdrawn is paid! By the time I get my wages paid into the bank i will have nothing left!! I tried talking to the customer service team yesterday (when I fianlly got through) They were very unhelpful and made me very upset! :?:Is there anything I can do??? It seems bizarre to get these charges for just £2.97 when I have no overdraft facilities!!!! I dont know what to do... I'm sorry if nobody understands- not great at explaining things!!!