Thank you for your reply.
I was slightly worried as i was charged the fees for the end of last month even though i had cleared the balance but looking back i did use the overdraft that month. I was confused with the banks explanation of fees charged on a planned overdraft and having come across this site which i have heard always positive comments about i decided to ask an expert and i,m happy i did.
So just to rest my mind once more - sorry! If i have cleared the balance and my balance is now at zero i wont be charged any daily usage fee or 9my main concern) interest fees?
Thank you for your help.