Halifax sent me a letter last week stating 'insufficient funds' to cover a direct debit so a charge of £39 will be taken on 25/09/06. if there isnt sufficient to cover this, then a charge of £25 will be added. I am in financial difficulties at the moment so rang them to let them know this money wont be there. They told me that was my responsibility. I then received another letter today with a further £39 direct debit refusal. Thats £103 they are taking for sending 2 letters. Is there anything I can do?