Last November I went overdrawn on a Flex Account Plus. (I hadn't asked for the upgrade, just got upgraded automatically after 18 months, couldn't be bothered telling them not to bother) Phoned Nationwide CS, the lady I spoke to told me there were some charges to be applied and these would appear on the next statement- December 2012. Doh! Without prompting from me, the lady then told me, that as a goodwill gesture, she would ensure that I wouldn't be charged after all, if brought the balance into the black the next day, which I did. I phoned again the next day, to get them to confirm that the charges wouldn't be applied and the person I spoke to assured me once again that I hadn't imagined the previous evenings conversation and that no charges would be applied. This time I recorded the conversation. I checked December's statement and true to their word, no charges had been applied. However, on January's statement there they were, but with no explanation as to where they came from... Also, last week I drew £10 from the cash machine outside my branch, at the same time I got a mini statement from the same machine to check my balance. While I was reading it, the machine took my tenner back! The tenner was not recredited to my balance. At least Dick Turpin had the decency to wear a mask. I don't consider that I have been treated fairly and intend to sue for reimbursement for both the above using BCOBS.