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I've had an Ultimate Reward current account with the Halifax for the past few years. I'm in receipt of DLA and ESA. The £15/month charge is acceptable, given the breakdown insurance, £300 fee-free overdraft, etc. However, I have been paying on average £30/month to them for an authorised overdraft of £650 (my fault, for using the facility, I know!). I applied for a personal loan in order to repay (and cancel) my overdraft, but the response was 'No' because I was 'in receipt of DLA, a loan was not available'. In order to avoid unauthorised (and some authorised, which amounts to either £1/day or £5/day) overdraft charges I have resorted to Wonga, (which I have paid back earlier than the agreements...and have actually saved me money, very surprisingly! Back to the thread title... My DD to EDF for electricity and gas was returned unpaid as I was 64p(!) out with my authorised overdraft (after it had been paid). Yet they permit their own charges! I have had numerous '£5/day unauthorised OD fees' caused by Halifax charges alone (as well as the £1/day charge, between the £300 'free' overdraft and the £1/day fee in excess of £300). None by my exceeding my OD facilities. I'm at a complete loss as to how to move forward with this! Many thanks.