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@Soul
Unfortunately, about 12 months ago, i had to pay to fix my boiler. This left me £45 into my unauthorised overdraft. I was charged £40 for this.
As it was the beginning of the month, all of the subsequent direct debits for phone, home insurance & water (the rest had come out on pay day before the boiler problem) were taken out but also charged at £30 a time. This left me £130 into my unauthorised overdraft + the amounts for the actual bills.
The month after that, i was obviously left short due to these charges. I was then charged a further £90 for being overdrawn. After that point, it has preceeded to spiral upwards as each month, i was left more and more short by the charges. Currently, i go about £300 a month into my unauthorised overdraft and at last HSBC have capped the monthly charges at £152.50.
As i said in an above post, i have spoken with them on several occasions about getting a loan to pay off debt rather than just being charged for having debt but they have declined 4 separate applications.
I fail to see how either of you can call this situation in such a black and white manor.