I have only been with Think Banking since May and as I am self employed, and never know from one week to the next how much I will get, I was assured that if I needed my money back for essentials, like food, that would be fine as it was still my money. A few weeks ago, I found I had only £42 on the card account to buy food and petrol. Since I am a driving instructor, if I can't afford petrol, I cannot work. When I phoned and asked to borrow £50 which they could put back the following week, I was treated like a child asking for more pocket money. The person on the other end had no other solution as to how I could manage on £42, which I asked him several times, and I ended up telling him quite rudely that it was my money and he had better hand it over.

Last week I checked my balance by text. I had only £3.23 on my card account but that was okay as I got paid the following day. On my way home I went into the local shop to buy £3 worth of groceries, only to have the card declined. As they know me, it wasn't such a disaster, but when I got home I logged into the internet banking service only to find that they had taken £1.50 from my card account as a "bill adjustment". The idea is that anything on the card is yours to do as you wish with, and I was not impressed to find they had just taken this money without a word to me.

They purport to be a bank, backed up by the Royal Bank of Scotland, but I would never put any unexpected large amounts into this account. I also think it is a pain having to phone them with everything, and I am certainly not happy with their attitude as to what I can do with my money. I think the basic idea is a very good one, but the attitude that they are doing me a favour if I need some of my own money for essentials, has completely put me off.

I have now moved to Lloyds, and will have to be careful not to overdraw and run up bank charges. I think that with an e-savings account and instant access, I can probably do what Think Banking are doing for myself, without the cost.

I think you have a case for the Financial Ombudsman, as whatever their terms and conditions and rules are, it is your money, not theirs.