i have had the same for the past few years now. HSBC have said this is a yearly fee when they overlook the overdraft facilities provided to me. nothing has changed in my overdraft so why keep charging me.
Also, i have been living in my overdraft for a few years now due to my jobs and other expenditures which i cannot do without, but my bank (HSBC) keep charging interest and even higher interest for going over my overdraft limit.
Don't they understand that if i had the means to clear my everdraft then i would but being in a job that only pay's minimum wage then it does become difficult to pay my overdraft never mind the extra charges they put onto this