[Xaccers]

HSBC have done exactly the same with Faulty.
Overdraft currently at £517

They got cunning, charged £25 to "extend" your overdraft covering anything that comes out taking you over if some late payment suddenly comes out.
Thing is, they then apply interest, which takes you a couple of quid over the new limit, oh, another £25, oh over your limit? We'll extend that for you automatically, and charge you £25. Hey, you're now over your limit, we'll just take £25 more to rectify that.
Oh dear, you appear to be £25 over your limit etc etc.
Faulty asked them to freeze the account, they refused.
Claimed the £600+ they owe her in charges, they delayed in responding until the waiver was brought in.
Offered £300 and denied they'd charged Faulty any more than that!
Now back to suggesting we settle on the £517 and call it quits on the rest.