Thanks again, much appreciated will do that, can't believe 1p unbelievable!

I have clicked on links and I'm looking for an address or do you have to phone them? One of the links brings up FSA web is that correct. All new to me so apologise being dim!

Thanks for reply, isn't a buffer in theory a mini overdraft?

I have a LTSB Classic account and was told there is a £10 buffer zone, it's not my main account though. However today they returned a Direct Debit for the sum of 1p. I thought that the £10 buffer would have come in and the DD paid. I am a Carer and had to see to a person over the weekend who had no internet access, but can't believe for the sake of 1pence. I rang the bank helpline and the person I spoke to didn't know what the buffer was there for? ie what it covered. It was for a payment to Orange Mobile for £9.19, yet they payed one of these continuous payments which I am finding hard to cancel.