Hi My first post so please bear with me. I looked at my statement online today and noticed I had been charged £50 for 2 days in sucession in Jan 09 of going over my agreed overdraft. I had received a letter pointing out I was over (for one of the days) and that I may get charged an arrangement fee of £25 for my request for an informal overdaft. The two days I was over my formal agreement was on Jan 20 and 21. I received no notification of charges and was charged on 16 March. Noticed I that due to be over agreed limit for 3 days in Feb I would be charged for another 3 days so £125 altogether in charges I deduced. Rang up to complain and get charges removed/reduced as it is always worth it. FD came back and FD agreed to reduce charges to £62. I noticed that this is 'splitting the difference' and realised that not only were the charges were discretionary but the amount you were actually paid in charges was negotiable. Noticed also that no notification of charges was sent to me. I complained about this. Rep assured me that I would have been notified 21 days after going over formal overdraft. I denied receiving letter (which I didn't) and asked her to tell me when notification of charges was sent. Said 21 days after. I asked for the date in her database saying when letter was dated/sent. Said that she couldn't access this. She then referred to the 2 letters of Jan and Feb with dates of the balance being overdrawn so clearly had access to these. She blamed Royal Mail for me not receiving them! I'm confused: surely they would have records of every letter they send? I can't help thinking that no letters of notification of charges were sent and they were covering this up. Another rep got on and claimed she was at the same level as the Customer Services Advisor (but referred to herself as a Customer Services Representative) and basically said that I had the choice of accepting the offer of £62 or not. I pointed out that any deal should be on charges related to Feb and not Jan as they hadn't sent me a notification of charges. She said that at any time I want to accept deal, I could ring back and she would make a note on the system and that I can have 'the copies of notification of charges.' Should I accept this as I don't want to change banks and they will get vindicative? I've actually got a deposit account with a fairly large amount with them too! Thanks in advance.