Alliance and Leicester - mate banks with them. He visits the branch in Leeds and asks how much money is in his account, and how much he would therefore have to put into the account to cover a standing over for his rent. They tell him and he puts the money in. Overnight they take £50 in charges, then take the standing order, then charge him £50 for insufficient funds and use of unauthorised overdraft
He can't keep up - doesn't know where the hell he is. Charges left, right and centre. It's leaving him short of cash to pay other bills, such as the loan agreement on his car, so they charge him for late payments... Even the bank customer service advisors are struggling to understand the charges. He did manage to get a £50 refund - they put the money in his account, then took it out again. For charges
He read them the riot act - now has the money back again. It's pure exploitation of the most vulnerable
I'm helping him move everything to the local credit union - so he can tell Alliance and Leicester to stuff their account.