basically abbey charged me about £400 in total for direct debits going over my balance each time at a ridiculous £60!!! it started with a small one, £35 for going £5 over on a debit payment. I missed this, i was just a teenager with a part time job and a phone bill so i didnt check my bills often. I received a further £60 (total of £35 for over balance and £25 for not saying my direct debit) This hug amount finevs my part time work meant that without realizing i was not able to pay the next one, now we are at £150 i am a student with a small earning and i really struggle. Here however is the worst bit. I removed everything from this account just my phone bill was left and i was due to move it when - not understanding the confusing breakdown letters, i went in store to ask ho wmuch i need in my account to stop all charges if i remove my direct debit. I was advised £60 would be enough. Content that this mad sense as i was being charged £60 a time and now cancelling my phone bill i paid this amount to make my balance £0. Two months later, being cautious i check what i thought was a dormant account as there is a £120 charge!!! No letters, I have ben away at uni so i hadnt checked my statement but no red post to warn me or my mother who always does if anything suspicious comes. Heartbroken, i pay it, but i do not earn this kind of money in 4 months and really struggle to get through uni! I am furrious and contact them my phone and writing to no use, i involved the FOS and the result is that the do not charge me the outstanding £25 - WHAT OUTSTANDING £25!? I am so upset and just cannot think how to go about solving this mess I have tried for such a long time to claim back my money with tearful phone calls letters and contacting the FOS but everything takes so long as is so confusing i cant keep up whilst at university. If i knew i was doing the right thing i would be faster but i am shooting in the dark I desperate to get even some of this money back - please please help me with some guidance. Thank you so much in advance Amber Rose