been to the bank today, no reply from my letter yet, but they have closed off our overdraft for us and arranged a small loan to clear what we were overdrawn by. not a normal loan, its called a money management loan where its low interest and they arrange the repayment to what we can afford to pay.
cant believe they were so helpfull to us, reckon they are creeping, not backing down though regards the previous charges.
feel like a weight lifted from me, i used to have nightmares about that overdraft