Hi Kashume,
I'm new here too, but after noticing £125 disappear from my HSBC account today I've spent almost all day looking into this. I've also only just noticed (I never was any good with my personal money) that they've been doing this for years, though it used to be £18, then £20.
I think the 'unfair' aspect derives from the fact that the costs involved for you going overdrawn to the bank are no where in the region of what they actually charge you. That includes the first 25, and the second... and in my case 3rd, 4th and 5th!
Incidently, I spoke to HSBC today and they said that if you go overdrawn by more than £10 you get charged £25. If you, a direct debit, credit card payment, etc then takes another figure above £10 out the day after you get charged again. You don't need to go under then over.
Also, they can do this on a daily basis... so 3 x £4 in 1 day and you're charged.
Finally, they have a limit of £125 per month. By the looks of my previous accounts (which I''ve been looking through today) this may have used to be £54!
Anyway... back to the books.
Jon