Hi guys, I've got in a bit of a pickle... A couple of months ago I gave my debit card details to pay for my husbands season ticket. They told me the money would be debited from my account later that day. All fine. Last week I checked my bank account to find it overdrawn. I thought that very odd as I hadn't spent anything. It turned out the money for the season ticket had been debited last week - not two months ago. I contacted Natwest and asked for a temporary overdraft facility to avoid charges - I was told this would take days, and that i had gone o/d several days before and was being charged a daily rate. I was approx. £130 o/d so transferred £150 into my account to bring it back into credit (so no point in applying for an overdraft). The next day I checked my bank again and was £40 o/d - I was working and couldn't call the bank so went to the branch the following day to ask what was going on - to find I was now £18 o/d (are you getting confused? I am). They told me a d/d had gone out hence taking me back o/d... I asked why the previous day it had shown me as £40 o/d and today it was £18. She said I hadn't ever been £40 o/d. Anyway, I transferred more money to get me back into credit. I then get a letter from Natwest telling me I was o/d for 5 days and I'll be charge £6/day! This letter arrived a WEEK after I first went o/d. (this annoys me as Natwest have no qualms about calling me to sell me stuff, or texting me - yet when there's something so unusual on my account they neglect to mention it for a week). Next day I get a letter from Natwest credit card telling me my d/d had been returned - with a £10 charge, I was therefore hit with a 'late payment fee' £12. Natwest have charged me an extra £6 for the d/d return too. I have written to Natwest asking them WHY they would allow a transaction to go through that was clearly 'not right', why they had allowed all my d/d's bar the Natwest credit card (so they can doubly screw me???) but got no reply. To add to that I have just been hit with a £12 'over limit' fee because of the c/c charges. So, to date Natwest have charged me £70 in fees for one transaction! Surely this isn't right? Helpful banking? Help yourself to my money more like. Any suggestions?

Maybe I didn't put that right... We used to park behind our drive on what is the other neighbours land... As that is what these people asked us to do so they could turn on our drive..... I pointed out the other week that where they wanted us to park wasn't ours... They now go and hammer on the people's land who's it is if we park there... (she's an old lady and gets frightened, so we've said we won't park there to save her the harassment) - if we park on our land they come threaten us! Absolute nut jobs! What can a solicitor do.... They've stopped even disputing its ours (think they paid LR for our deeds) just demand we don't park there... Because they don't want to look out their (coach house above garages) window at cars!

Quick update: Snowy - if we were parking on anyone elses land it would be next doors (not theirs) - next doors deeds show the same boundaries as ours.... Next door has just asked that we don't park encroaching their land as they are being harassed by these people over it. Sadly the issue has not resolved - they have taken to banging on the door and threatening us whenever we use our drive. I made a complaint of harassment to the police. The police came around the other day but I was not home. They told my husband that the neighbours had made a complaint about us (though I can't work out what for). I'm unsure of what the police said to them.... Anyway, we had one car on the front part of our drive today- I had to go out this evening with my son. When I went to go to the drive there is a huge van parked right behind my car across my drive - there was no way I'd ever get my car out (unless I could get it through a 1 foot gap). I didn't knock on their door as they are very aggressive. But went out for a cigarette (I don't even smoke I just needed to calm my nerves) a couple of hours later and saw the neighbour driving off in the van. It was obviously put there to block me in, as parking further back (even still on my drive) would not have restricted my access. I know this is harassment, but any suggestions if they do it again? Say when I have to go to work, or take the kids to school? (since the signs there has been a plethora of incidents -tweeting about it is all that's kept me sane).

They said over my 600 minutes I made an extra 400(ish) minutes of calls - your calculation looks about right.... They have charged me 35p per min for every call. They say they wouldn't contact me even though it's irregular usage. I cannot believe they let people run up such massive bills which are CLEARLY unnoticed and ten to charge so much! Shocking. I think it's time to go to a new provider

Hi guys, Just checked my bank to find a DD from Vodafone for £150. My phone bill is usually £20 p/m. I looked at my bill online and have £100 in calls (plus VAT) so £120 extra. I have 600 minutes and it looks like I have exceeded this. I wasn't consciously using my phone more then usual and it never occurred to me I'd go over.... I have had no text/email or call from vodafone to say I was approaching the end on my included minutes or that I would be charged 30p/min for calls thereafter. I am wondering if Vodafone have a duty of care to notify me that my bill will rising to 7x the usual amount? I was clearly unaware that I was being charged ludicrous rates. I had issues a while ago where I had no signal for months and was told they'd reimburse my line rental - they never did - instead they were adamant there was a signal when there wasn't. Has anyone else had problems? (my husband has had no end of issues). Ezy

Funnily enough my friend put it down to resentment..... I look quite young too - bet that doesn't help if it is....

I think the flat is clearly NOT what she expected (maybe they thought the tarmac and cars outside when they bought it would be turned into green meadows..). I really think we are likely to own this house longer anyway. Either way I'm not disputing anything. I'm just parking on my drive,

Last post makes me sound a bit harsh... will try the nice approach to that first

This as a concern - I think they are likely to sell before us (young boyfriends and girlfiend in a one bed flat) Vs proffessional married couple with 2 kids in a 4 bed house (and longer drive). But either way - this is something that I thought I may put to her if she persists - 'if I have to make a complaint of harrassment against you it will devalue your flat...'

I don't understand..... it is our land.... I'm just not arguing anymore - even if it wasn't our land - it's not a turning circle for her. Are you saying I should tell her it's my land? I have already, I have offered her a copy of the deeds (but she has requested one from the developers - guess she thinks I've forged ours) - I even offered her my ruler and tape measure so she could measure it herself. I can't be bothered with all that any more. 'Do what makes you happy love' - I'm not refraining from parking on my own drive.

I do have names, but again I can't be botherd to engage with her. 'you cant park there' me: 'says who?' 'the developers.... whoever', me: 'cool! So what you gonna do about it?'. Think that's as far as I'll go with her - she can stew over it.

Hi guys, thanks for all your responses. Had a chat with the developers this morning, they were really nice - they said she had called this morning and demanded a copy of my plans. I explained the situation to the developer who simply said 'so what is the problem with you parking where you are?' exactly! She said they would never ever advise people to put 'No Parking' signs up, espescially around other peoples drives. I also spoke to planning who were lovely. He said he had to nip out and was passing, so would have a look and then look at the plans. He called me back and said 'so what's the problem with you parking on and behind your drive? I don't understand what the problem is.'. He also said I could take the signs down if I wanted as they were on my land - but - bless him 'why bother' they've bought and fixed up a sign for free on your drive telling other people not to park there! He said there are no parking restrictions so I was fine to park. We are not causing an obstruction! He also said there had been no planning application submitted, but if any work was commenced please give them a call - he could not say whether it would be passed or not until he had seen what they planned to do. I'm feeling calm now. I'm not going to broach into conversation with her about parking any more. I will merely tell her I am within my rights, I am not obstructing - and if she wants to spend time and money on silly signs, that's fine! If they offend me I'll take them down and sell them on eBay. She did say yesterday 'if you keep parking there I'll just come and ring your doorbell' - if she does that I'll suggest she stops harrassing us before we make a formal complaint. Never really was one for titt for tatt.... I can't believe I lost sleep over it! Ezy

Can I? How?

I'm sure planning will have plans so I can double check. But our deeds definitely say its ours

Hi, I see what you mean about the property dispute, possibly so, my initial post was to determine whether or not I could park near my house as long as I was not causing an access issue. Even if the land was not mine - am I classed as an obstruction if I am merely stopping her from reversing into her drive (bearing in mind I can't either)? Tbh guys my feathers are ruffled, surely yours would be if someone stuck notices around your parking area? I'm sure it's not just me, she was bitching about all the neighbours.