Hi Ok, this is my first post and I don't really know too much this. But i'm interested in the outcome with this bank. Here are my thoughts at this point and what I am considering saying to my bank manager tomorrow (I should add, I haven't read the FAQ, or done all my research yet!) If it is maintained that the bank charges for bounced direct debits or unauthorised overdrafts are based purely on costs and are not punitive. I would argue - How can it cost £30 to assess whether or not a direct debite should be payed, or £20 to grant an unauthorised overdraft? This is an automated decision, made by the bank's system, based on the available account data. Said system does not charge users if they do not have necessary funds to withdraw money at a cash point - and yet this decision is made on the basis of the very same account data everytime. Levying a £20 or £30 charge everytime such transactions are authorised within the bank's system is clearly disproportionate and punitive. Such decisions involve accessing and assessing data which is easily accessible within the bank's system, and that this is done so on a regular basis. There is no basis for a charge. Like I say this just my current take, but i'm interested to hear what happens.