[VSPNET]

My partner had a direct debit with Hastings Direct but whenhe canceled the account with them they continued to debit me £48 a month for a period or 2 months. Taking me over my overdraft limit. When i finally realised i was overdrawn (one month later when I got a notice of bank charges) The insurance company would not refund me because i was not the account holder and they would not refund me when my partner tried, They claimed that they hadnt taken out the money eventhough i have bank statements.

My bank refused point blank to get the money back and also refused to wave the charges. I did notify them at the time that the charges were unlawfull and that i am entitled to have the money and interest paid back under uk law. However the bank has refused this and has been adding £38 a month charges for 7 months. They have now sent me solicitors letters.

Anyone in this posistion I advise they take their bank to small claims court!! And report them to the OFT.