I think the thing that irked me was
the fact when she said "should have been more careful" was sort of implying "we screwed you over because YOU let us" mentality.

I could go all political and point out how the tax payers have done XYZ for the banks, and being charged £130 for using £2 of the banks is a bit of a piss take. Especially to an overdraft I never agreed on and to say my money has given them plenty of interest over the years I had that account.

Building societies all the way for me!
(Jon_LTD Treat the world like a head!, Thu 10 Feb 2011, 22:39, 1 reply)

£130 charges for going £2 over, you say?
Try having a £1500 limit, being overdrawn by, ooh, £1480, and then having a £23 direct debit bounced. Cost me £35 to bounce it, plus £28 for going over my limit, plus £28 for BEING over my limit. Plus a £25 charge from the people the direct debit was supposed to be paying.

I couldn't get back inside the £1500 limit after that so I kind of stopped using the account. A year later, when I went bankrupt, the debit balance on that account alone stood at £3,800. £2,300 of that was made up of charges and interest. In fact out of the whole £22k bankruptcy I reckon only £4k of it was actual money I'd spent, and that was on rent and bills.
(WillI'mNot logs in twice a year, every year, Thu 10 Feb 2011, 23:35, closed)

"Cost me £35 to bounce it, plus £28 for going over my limit..."
If they let you go over your limit, then why did the direct debit bounce?
(Stiltzkin, Fri 11 Feb 2011, 15:38, closed)

I've had a DD bounce then get payed.
Around the same ammout as the OP too (£28). That meant a bounce charge, and overdrawn charge and a charge for paying a DD when overdrawn.
The charges are a complete scam but, sadly, those in power won't declare them illegal despite the fact they are by any logical intepretation of the UKs contract laws.
(Me, I'm not... in any way intoxicated, Fri 11 Feb 2011, 17:25, closed)

Letting
you go overdrawn wouldn't satisfy the "liquidated damages v penalties clauses". Bouncing a direct debit and then charging you would, yet, it's allowed to continue with impunity.
Most now have dropped the amount considerably, but it's still there.
(dchurch bah, Sat 12 Feb 2011, 12:36, closed)

You got F'd in the A
However, I took issue with the thieving behaviour as well as the money issue. It is just absolutely mind-blowing that this was legal practice.
(Jon_LTD Treat the world like a head!, Fri 11 Feb 2011, 18:32, closed)