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  1. Santander had basically messed me around in one form or another since they took over my old bank, so I had decided to leave them. I didn't owe them anything (no overdraft etc), so decided to move all my direct debits to my new bank. Unfortunately one direct debit for my mobile phone was a real pain to move and despite several phone calls to my provider (and them saying it had changed) would still come out of my old Santander account. On one occasion I didn't have enough money in there making me £21 into an 'unarranged overdraft'. I've only got myself to blame but I left it and
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