I have had a similar situation...I originally took the account because Martin lewis (who I can't fault) told me via his email that I could get a 0% overdraft etc and some cash for taking the account. I didn't get any cash and they only gave me a £250 overdraft which meant that I couldn't change from HSBC without leaving my other overdraft which was around £1000. This happened because I didn't read the small print which said that I had to use their service which automatically changed my direct debits to A&L in order to get the matched ODraft. As i tried to tried to change the DDs manually I inevitably took my time and lost track of which DD was coming out of what account and as a result of which got charged. I received no communication for almost two months and the first time I heard of the £5 charge was when I was told that I owed them nearly £200 for only being overdrawn for only a few days by about £30 and settled the account. Stupidly one of the two direct debits that I actually set up with them I forgot about and ended up going overdrawn with. I settled it after three days and got charged £5 per day. I then was hit with a daily charge for the days overdrawn and although I paid the money I was a couple of day late I got charged £5 a day again. This happened many times over a period of nearly a year mainly due to me feeling that I didn't owe the money and being busy with working during the day. In total I went overdrawn accidentally by £30 when I took the account for around 45 days and £30 the second time for around a week. I complained about the charges just after the stay and received a letter stating that my account would be frozen and that they would get back to me once the high court (or other) had made. To date I have not received any correspondence. I am sure that we can still claim the charges back but would highly appreciate any advice. Thanks Phil