Many thanx to lexis200 & danielr for the clarification. Now I understand what I'm reading. As you both correctly interpreted I have had no charges applied at any time for the items you mention. This is purely because my Halifax OD agreed limit is just under £5000 and as such I have had plenty of leeway. My Halifax Reward ? for being such a loyal customer and conducting my account 'impeccably' as the local manager recently put it. An overnite doubling of the interest rate !!! See other thread. Sorry, of course we don't call it interest anymore, that would raise to many eyebrows. It is of course a daily fee or some such other legal loophole allowing blatant extortion. As such a valued customer I fall into the £2 a day scheme (£60/62 pcm) instead of the current £27 pcm and am looking at my various options. Thanks again for your help and will now return to the correct thread. BTW lexis200 I like the 'chocolate' bit. At the moment anything which makes me laugh is wecolmed.

Hi. Been reading this thread all evening and as 'LickTheWallFatBoy' just said. This thread has frazzled my brain. At least 1 other is 'Dazed&Confused' so I've finally arrived as 'UncomfortablyNumb' Help !! Going right back to the basics if I may, Am I to understand that having had an active overdraft, always within agreed limits and no defaults, with the Halifax for many years that each month the interest charges levied on my account have included a percentage calculated on previous interest charges levied and that this is a violation which I can address ? I scoured the site but can't find any clear definition as to what the term 'charges' actually refers to. If I've got that bit right, is this the subject of this thread ie are these the charges referred to ? Thanx for any clarification.