I recently got into a bad financial position, whereby 3 of my direct debits with Nationwide were returned at a charge of £30 each one! One of the Direct Debits was only for £7.50! All in all this summed up to the amount of £90 which I can ill afford at this present time. They have now been reinstated and paid - my question is (sorry-but I am a newbie at all this), where do I go from here and what letter do you recommend I send and to who, would that be my local Branch or the Head Office. This is the first time I have ever been charged as I have never been overdrawn before. Thanking you in advance.