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Bank Charge - Where do i stand

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I believe I am about to get a bank charge and would like advice on where i stand with this one. Really annoyed at this one.

I have a credit card set up to take minimum payment for each month.

However, I cleared my credit card and the balance has been sitting at zero now for near enough a month. This morning, I log on to find that my Credit Card is sitting with £28CR in it. Which means they have attempted to take the DD out of my other account.

However, the account (also with HBOS), where the DD is to take money out is empty as I did not believe they would take a payment since clearly there is no money due.

Will I get a bank charge for this even though the error lies with them?



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