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overdraft fee help needed please!!


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Hi all, Right after discovering this fantastic site ive just spent the last hour ( fun i know) going through my bank statements from jan 09 - may 10 to see what charges i had recieved with my overdraft.

 

I moved into my own home in march and since then my overdraft has been steadily increasing, when ive been skint at the end of the month, food, gas, electric etc it is now £2700 and i live in it constantly as my wage is only just over £1000 pcm, anyway to cut along story short i have been with collections for the last 3/4 months and its dropping by £70 p/m.

 

However i seem to go over the overdraft everymonth when i get hit with unplanned overdraft fees, returned DD and overdraft interest...ive worked out i have paid £1049 since Jan '09 in unplanned o/d fees and £336.79 in o/d interest...........does this seem excessive to you guys? coz its a bloody lot of money to me, practically a months wage in a year GRRRRR!!!

 

 

any suggestions on what (if anything?!) i can do to contest these charges and how do i start????

 

thanks :)

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