ok, you want a fucking rant, i'll give you one. sorry ive absolutely no sympathy at all. the charges were in the banking agreement that you signed when you opened the account. YOU agreed to them, so why fucking moan and whinge when the terms that you agreed to are applied to you. why should i, as a person who hasnt even been overdrawn at the bank in his life, have to subsidise the profligate spending of people who cant live their lives within the simple rules of always spend less than you earn. you dont want to get hit with overdraft charges. well dont piss and whinge at the bank, why not try and not go overdrawn. why should an exception be made for you or me or anyone else. everyone wants the banks, but nobody seems to want to finance them. do you think you should have a free overdraft facility just for you because you cant manage to comply with mister mccawbers simple dictum on spending? when you get stung by the bank, it smarts, and its supposed to, cos if it doesnt, then you wont be discouraged from doing it again. why should you be the exception? we dont have to have bank accounts. theyre something we do ourselves to make our own lives easier, if you dont like the charges, then shut the account and take your debt elsewhere. im not particularly well paid, but i live well within my means, and its made me able to enjoy the life i have free of overdraft, credit card and other loan debt. yes i have a mortgage, which i can afford, and if i defaulted on it, then i would have nobody to blame but myself. so whats your beef? you went overdrawn, the reasons for which arent important, cos its your account, and your overspend. if you get stiffed for going over your limit, then tough titty, learn to spend less in future.