The most recent one involves going over my overdraft and being clobbered with an “admin” charge, this is despite having several thousand pounds deposited in a linked savings account.

I find it highly irritating that they would slap the charge on knowing that there is a significant balance in another account. I took them to task over this and demanded my money back, they quickly obliged and paid the £30.00 back into my account.

So if you get an over zealous bank slapping you with “admin” charges i suggest you contact them and complain because they will pay you back.

On that note i decided to look at alternative banking arrangements, its an incredible amount of hassle to change banks especially with the amount of direct debits i have. Some banks offer a service where they do it for you, Alliance & Leicester for one.

I may get round to it in the future, but right now i’m too lazy.

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