Hi all At my witts end been into bank today, don't know if I'm being given the run around Long story short, the lovely Barclays Bank allowed from my cash card account (to me a basic a/c!) a payment to one of my creditors, (non priority but bank says otherwise! can't believe it) only thing was there wasn't actually enough money to cover this but they still allowed it out omg!! at first they said it was the FSA fault because (their words) when someone has a credit debt now the FSA demand they allow payments anyhow regardless of balance when someone's credit report score could be damaged (is this bull?) I've had debts a long time, never heard this before and recently my financial situation has changed for the worse so much so I have poss come to the point where I need a DRO and can't believe this has happened, now I have to explain to the I.S that money was paid out I DIDN'T HAVE All day long I've been on this, at first the branch manager argued the FSA point but later in the day admits the bank is at fault I'm so confused, is there anywhere I can go - can I approach the FSA myself with this as a complaint as I think it stinks to bring the FSA into in when basic accounts are there for a reason and I was told I'd never have overdraft facilities It is not looking like I will get any money back, (£13 defintely isn't mine anyway but my basic account now looks like a current account with overdraft apparently I won't get charged just balance un-minus when any money goes in - don't have this in writing though!!!) my creditor refuse to talk to Barclays as my Branch Manager gave me her mobile number to give them and then says she doesn't know what else to do, I hadn't realised telephone banking and branches all have different ideas! - Tel Banking say I have been given a £15 overdraft at the banks discretion to cover embrassement which I didn't want/never know about, but branch this morning just laughed and said they don't know what their talking about Really don't know what to do so looking for advice/someone to give me the facts