So, A few months ago we went over the overdraft for two days by £4 and got charged £20 by the bank (HSBC), plus a further £17 because a direct debit went out on the second day.
Over the course of the next month we managed to claw back and save £17 of this. That sounds crap doesn't it, but there really is no where to cut back on. (I haven't been out at night for over a year now.)
So I we went over the overdraft the next month by a nice round £20, and got charged another £20, plus another £17
Which made for a minus of £57. Luckily it's been my birthday and I got £70 (£20 off Dad £50 off Mum) So I spent all of that on staying out of the Red. Happy Birthday to me.
Then the Bank ring me up pointing out that I went over twice in a row and suggested I switch my account to one that automatically gives me a text warning if I reach my limit.
Sounds good, Ill go for that.
"For the upgrade you'll be charged £6 for the first introductory month, changing to £12 a month from then onwards."
No then. I only went over £4 in the first place!
HSBC are bastards.