I would be so grateful if anyone could give me advice or help:
From when I was 16 (1990 onwards), I held a Bank of Scotland current account. I held this throughout my extensive univesity training. During those lean student years I several times went overdrawn (over my limit) and would be bombarded with very expensive (20-30 pound) letters from the Bank, to tell me I was over my overdraft limit.
I left the country to live in the US in 1999, and moved back to the Uk again last year.
When I left the country, I had an arranged overdraft, which I was within.
Whilst I was away,