lulu!!

I have no advice fror you...except about your bank fee!
Mine did the same to me last month...so I called them and gave them hell.
Apparently even though I have not got want or requested an overdraft, when you are a 'good' customer, the Magical Computer Bank Man makes a decision to allow you to overdraw yor account. Of course, they dont tell you that Magical Computer Bank Man has made this decision, or that even though it was THEIR decision, they will charge you dishonour fees for overdrawing your account (how that is legal Ill never know)
Anyway, I rang them, got the run around, and after some not so subtle hints of Current Affair and a solicitor, they reversed teh charges and noted own that I NEVER wnated to be allowed to overdraw my account and that if it happened again, I would be onto Neil Mitchell quicker than it could make their heads spin.

So call them, reverese it and make sure they dont do it again...its disgraceful!

HTH