Having read all the problems on this page (and then some) a situation that happened yesterday has prompted me to claim for unfair charges... I had a dd due to come out yesterday and put money in via online banking yesterday morning around 9am. Having checked my online account all through the day the money was there and the dd was listed to come out. Having checked my online account this morning they have refused the dd and charged me the £38 because my money wasnt in on time????????????? I have calculated charges just over the past 6 months and it has come in at just over 1k should I send the letter or is it just a waste of time...:-|