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I wrote to tell them that the outstanding amount is in dispute because it's made up of unlawful charges. However they were unmoved and have continued to claim that I owe them the outstanding amount. I have just recieved a letter from a debt recovery agency, (£15 has now become £197.59.) Any suggestions as to how I should proceed?

I am currently overdrawn by £129. My overdraft limit is £0.00. I already have several other accounts so I am not worried about being unable to use this one. In response to phone calls I have made I have recieved a letter from Michelle Tollerfield from Sheffield Customer Relations Team saying 'As they (the charges) have been applied in line with our current tariff of charges and have not arisen as a result of a proven abbey error no further refunds will be applied.' I look forward to her response when I explain to her that their charges are unlawful. Many thanks for your advice.

I have been charged by Abbey for going over my agreed overdraft limit by £15. As I believed the initial charge of £20 was unreasonable I refused to pay it, and consequently have incurred a £20 charge every month since. They now claim that I owe them £129. My tactic has been to continue refusing to pay and watch the original unreasonable charge accumulate into a ludicrous charge. I have explained to Abbey that I have no intention nor means of ever paying the charges but have been willing to pay them the £15 from the outset. Im guessing this is not the recommended approach and maybe I should pay the charges and then try to reclaim them. As it stands, do I have any grounds to start legal proceedings against them?