However, you do hit on a point I am trying to make - it affects the poor more than the higher income stratas. There are at least three points emerging from this: 1. Why are they not charging interest instead of fees? The processing costs are much lower than £1 a day and even when added to the interest charge, still lower than £1 a day. Can there be any reasonable justification for a £1 charge on an overdraft of £0.01? 2. These fees are imposed on overdrafts that have been arranged and agreed with the bank on these basic current accounts; and not on negative balances in those current accounts that have not been agreed. 3. There is a possibility of these fees being imposed to move customers away from basic current accounts to one where customers are charged for maintaining their money with the bank (which derives liquidity it is required to have by the PRA to operate) and have the inefficiency of the charge hidden by all sorts of bells and whistles that can be better obtained at lower cost elsewhere, even such individually service costs are totalled.

@Sabresheep - the £1 a day fee applies arranged or agreed overdrafts with Halifax. The reason is for timing issues where you need to spend money or are charged early by direct debit (as Vodafone does at times) before money coming into your account clears or there is a delay in clearing. If you do not have an agreed overdraft, the charge is £5 a day. The point is the cost of the fee and not an interest charged for the "borrowed" money that has been agreed. The cost of processing the overdraft is very small, if this results in a net deficit for the bank's aggregate funds for the day - its interest cost for the day is the SONIA (Sterling Overnight Interest) which is near LIBOR and these are low, plus the charge for 1-day credit risk. Unless the charge for credit risk is very very high as done by Payday lenders, the total amount should not be even close to £1 a day for an arranged overdraft of £1. The move is either punitive or an intent to move away from basic current account to one where you have to pay the bank to keep your money.

@StJane, That £10 buffer was the result of my engaging with Halifax and the help of Sir Malcom Rifkind in 2012. Halifax then wanted to do the same. That £10 buffer is being removed on 1st December 2015

Halifax is imposing a fee of £1 a day from arranged overdrafts of £0.01 to £1,999 as from 1st Dec 2015. No interest rate is charged. So if one has an arranged overdraft of £100 and goes overdrawn by £0.10, a fee of £1 will be charged and by 100 days, this £0.10 becomes a unarranged overdraft for which a fee of £5.00 is faced. Is this imposing excessive charges or treating customers unfairly??

They say the the account is with RBS The debt was an old credit card bill. It was paid off more than 6 years ago under a negotiated discount. Because it was over 6 years ago, my docs are no longer there - I had a clutter clean-out. There was a CCJ for some arrears in 2005 for a misunderstanding on the PPI attached but I settled this in full and the CCJ was struck off/cleared. It is possible that under the current PPI situation I would not have had to setlle.

I had lost my job and made an arrangement to pay RBS via their collection agent £5.00 since 2003. In 2008 as I got a highly paid temp job, I made a written arrangement with collections agents . Bryan Carter for full and final payment in settling the obligation by paying about 65% of the outstanding. I have been contacted by RBS and Experto Credite on the debt that I settled under an arrangement paying a lower amount in 2008 via the previous collection agents Bryan Carter. I stopped paying my had not heard anything, received a statement of account or any communication until I received a letter dated 12 Jan 2015 when they asked me to provide them with a statement of income and expenditure to make a payment arrangement. I then received another letter dated the same stating that their agents had been trying and could not contact me in relation to the debt. It also informed me that they were changing agents to Experto Credite. I had unfortunate performed a clear out at the end of the year, throwing away documents for which the statute of limitations, 6 years had clearly expired. I explained the situation and sent the statute barred debt letter to them. They produced a RBS statement of a receipt of £5.00 in 5th December 2013. I do not recall making this and they cannot produce the paying-in evidence. Experto credite has stated that if I wish to rely on agents’ records I would have to a Subject Access Request to the previous agents and pay the fee. They and RBS have not provided evidence that I paid that amount. They only have a brought forward amount that is undated and then a credit of £5.00 applied on 5th December 2013. I have responded that the entry could be the result of a journal entry and they have not produced evidence that it was I who paid. They also have not stated anything about corresponding with the previous agent, Bryan Carter, who would have the paying-in slip if I had paid in that money. They also want me to provide evidence of the settlement that had taken place more than 6 years’ ago. I was considering escalating the matter to the FCA. Any advice?

I shall be moving the SIM to my new handset on 20 Dec. But it seems that my Samsung Galaxy Mini has decided to access the mobile network on 3 Nov to 6 Nov until I put a block on it. I am being told that even if I did not set my phone up for mobile internet, it has widgets which will do it automatically. I am wondering if this is correct and if so why the widgets have only just come on when I have had the phone for two years without it doing this?

There is no pattern that I can discern and I work in field of identifying patterns, except that it happens mostly on weekdays/nights. I will get another cheap handset and move my SIM there But my handset has been checked by Vodafone at its shop.

Yes indeed small amounts regularly occurring. i do have the bills on-line and will print them out. The amounts are yet small in total but I think it is good advice to send a letter of action. Has anyone else experienced this from Vodafone?

Thanks - silly of me...

This has been going on since April this year. On examining my monthly bill in April, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occasion, the calls were when I was within 3 metres from my land-line and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell me. I have been communicating with Vodafone since then and they have stuck to their chant that their system cannot be wrong. After some months in June, they suggested that I check my handset and my SIM at a Vodafone store. The handset turned out fine and they gave me a new SIM. I also noticed that every phone call from 1 second to 1 minute was being charged at the 1 minute rate and set against the free calls that I receive as part of my Pay Monthly contract. The rep at the store said that it had come in recently but Vodafone never informed me of this change. Anyway, the initial problem continued and in July I managed to get someone who said she was a manager and that this should not be happening and it would be escalated. And I would receive an update in two weeks. There was never any update and always some deviation when by the rep when I queried it by phone or on-line chat. In October, I got charged for data I did not use and for which my phone was not connected or set up. After a long wait and a chat on-line (the phone option did not have anyone free), the sum was credited back but the rep said that it was goodwill on Vodafone's part. I tried twice to say that he had agreed that my phone was not set up to receive these data and that I never received it and was charged incorrectly and so it was not goodwill but actually refunding an incorrect charge for ghost data use. I tried to check on the issue of ghost calls to my landline and the change in my contract regarding charging policy without consulting me. but there was no success. By now i had got fed up of telephone and e-mail communication where I had to request for a transcript and could not verify all of it when I received it. So I emailed the CEO's office via the Vodafone web - I received two phone calls where I said that I wished communication in a hard format so that I could keep a record independent of their storage. They refused and said that as I will not talk the matter on the phone they were taking it that it was solved. I replied that I have been talkng over the phone since April to no avail. I received a text saying that the matter was closed. So I wrote to the CEO using a Google sourced e-mail. I received a reply from the "Director's Office"; that they will need to investigate the matter. I thanked then that this is what I wanted and given the record thus far, to give me an update in 30 days. I immediately got a reply that I had not contacted customer relations, when my first e-mail to the CEO really went to customer relations who telephoned me! I wonder f thy ever intended to investigate the matter. It certainly sound like they are looking to sweep it under the carpet. Indeed, it appears that Vodafone is against a record of communications being kept by the party contacting them, possibly so that there is nothing to be used against them if the matter went to the regulator. I do feel that this is fraudulently charging me for calls I did not make, attempted charging for data I did not use and varying the conditions of my contract without notification and consent (giving me the option to close my contract if I did not agree). I have stated this in my last 3 e-mails to Vodafone. I have also stated that it looks like we have reached an impasse and as the matter has gone on for more than 12 weeks (but I have little record of it because it was in phone communication and Vodafone does not entertain the written word), at the end of the 30 days that I stated, I intend to write to Otelo and BBC Watch dog and Which. Any ideas or comments, people?

I have this to add and would welcome comments and advice: This has been going on since April this year;On examining my monthly bill, I found that there were charges for my mobile ringing my landline. Sometimes, the calls were short, sometimes relatively long. I am the only one in my household and there is no one to call. On occassion, the calls were when I was within 3 metres from my landline and sometimes when I was asleep. There were also call recorded when my phone was turned off. There are no records of calls on my mobile log. BT does not operate a log of calls received - or so they tell me.I have been communicating with Vodafone since then and they have stuck to their chant that their system cannot be wrong. After some months in June, they suggested that I check my handset and my SIM at a Vodafone store. The handset turned out fine and they gave me a new SIM. I also noticed that every phone call from 1 second to 1 minute was being charged at the 1 minute rate and set against the free calls that I receive as part of my "Pay Monthly" contract. The rep at the store said that it had come in recently but Vodafone never informed me of this change.Anyway, the initial problem continued and in July I managed to get someone who said she was a manager and that this should not be happening and it would be escalated. And I would receive an update in two weeks. There was never any update and always some deviation when by the rep when I quieried it by phone or on-line chat.In October, I got charged for data I did not use and for which my phone was not connected or set up. After a long wait and a chat on-line (the phone option did not have anyone free), the sum was credit back but the rep said that it was goodwill on Vodafone's part. I tried to say that he had agreed that my phone was not set up to receive these data and that I never received it and was charged incorrectly. I tried to check on the issue of ghost calls to my landline and the change in my contract regarding charging policy without consulting me. By now i had got fed up of telephone and e-mail communication where I had to request for a transcript and could not verify all of it when I received it. So I emailed the CEO's office via the Vodafone web - I received two phone calls where I said that I wished communication in a hard format so that I could keep a record independent of their storage. They refused and said that as I will not talk the matter on the phone they were taking it that it was solved. I replied that I have been talikng over the phone since April to no avail. I received a text saying that the matter was closed. So I wrote to the CEO iusing a google sourced e-mail. I received a reply from the "Director's Office" that they will need to investgate the matter. I thanked then that this is what I wanted and given the recod thus far, to give me an update in 30 days. I then got a reply that I had not contacted customer relations when my first e-mail to the CEO really went to customer relations who telephoned me!I do feel that this is fraudulently charging me for calls I did not make, attempted charging for data I did not use and varying the conditions of my contract without notification and consent (giving me the option to close my contract if I did not agree). I have stated this in my last 3 e-mails to Vodafone. I have also stated that it looks like we have reached an impasse and as the matter has gone on for more than 12 weeks (but I have little record of it because it was in phone communication and Vodafone does not entertain the written word), at the end of the 30 days that I stated, I intend to writeb to Otelo and BBC Watch dog and Which.Any ideas or comments, people?

Thank you Andy Kumar

Thank you, I am sorry to bother you wwith another question - When and how can I make the 20C application? I am very grateful for your help.

There is one question I have failed to ask, What track do i choose? The current amount the claimant has posted is £8,400, including court and solicitors fees. I am unsure whether it should be the fast track or multi-track option that has to be ticked many thanks Kumar