The first priority is to make sure that they stop adding any more charges by bringing things to within their limits. If that involves talking honestly to them and using a personal loan to pay off the unauthorised overdraft, then that is what you should do.

Getting the bank charges back is not a quick process. It involves writing to say that you dispute the charges and taking legal action. The suggested process and a template letter is outlined here.

http://news.bbc.co.uk/1/hi/business/6170209.stm

What is the current situation regarding bank charges, unfortunately last week I just didnt have enough money to cover my direct debits and have incurred nearly £200 in bank charges from Natwest, I have limited income and now will have to find another £200.

Can I do anything about this?