Hi guys HUGE fan of the forum! has really helped me combat the pay day loan debt I have! Basically, I have a small debt with the pay day loan company PayDay Express. I was made redundant after I took out the small loan and have not been able to pay them back in full yet. About five weeks ago they used my card without my knowing or permission to take money out of my Natwest account, unfortunately there wasn't any money in that account so it went overdrawn! I have a Select account with Natwest which doesn't have an overdraft so its a unarranged overdraft! I was unaware of this and as soon as I found out a few weeks ago I paid it off! Now Natwest have written to me and said they are going to charge me £72!! The unarranged overdraft was only £13! Which I have paid along with a "returned item fee" of £6! My problem is my card was used without my knowing or permission by some sort of rogue creditor trying to forcefully take money from my account! Is there anything I can do about the charges????