Hi thanks for your help up to now I will probably need a lot more.

I joined this site today after being charged over christmas £138 in charges from the halifax bank after drawing £10 too much from my account by mistake.From this it snowballed as their first charge of £39 taken on boxing day stopped another direct debit being paid which caused another charge to be levied etc.I have phoned them today and although I only get £70 a week to live on they were not prepared to even talk about this, their attitued being you landed yourself in this mess it's not our fault.Hope this site will be able to help.