I didnt understand why I recieved the fee, and stupidly didnt do anything about it. Then again in Febuary recieved another letter again stating I had incured a 28 pound fine, so paid 28 pound into account straight away.

I did not realise that they were two seperate fees, I thought when they wrote to me in Febuary they were writing to notify me that I still hadnt paid the fee, so like I said I paid the fee and though nothing of it.

Again this month recieved another letter, so went into my branch, and a horrible lady at reception explained the how the fees had built up. I paid all the fees at that instant, at a total of 84 pounds. The lady then said I would recieve another fee in April, as I didnt pay my fee in time this month. I asked her why this had all happened in the first place and she said I had gone overdrawn by 6 pounds on the 28th of November.

I understand the amount of fees I had was my fault as I should of done something quicker but what makes me really angry, is that when I orginally transfered the 6 pound from my account over the phone, why did the person on the other end of the line let me transfer funds I DID NOT HAVE! I have checked and I only had 1 pound 56 pence in my account so why let me transfer 6?

Can someone please advise me on what to do, I would like to get my fees paid back if I could, I'll have paid 112 pound when the next fee is taken.

I'm sorry if this post seems stupid, but when it comes to things like this I'm 19 and quite naive. Any help would be really really appreicated.

Thank you.