My question for jendoc or anyone else who can help me: I can, of course, add up all the debit interest charges, but surely they relate to the whole overdraft, rather than that bit of it which is caused by the excess charges? How do I isolate that bit of interest which relates to the excess charges alone? I assume the interest charges are not covered by the OFT ruling?

Hi, My experience is pretty much the say as the rest of you: full set of statements received very promptly and have gone through them, highlighting the Unpaids Out and Paid Referrals. My question is this: how on earth do I calculate the interest I've paid on each one of these charges? Do I do it on the total amount and if so, at what level, or do I have to calculate it at each time the charge is levied. It seems incredibly complicated or am I missing something?