i am astudent and have very little income. i do have standing orders for which i try to insure the correct money is in the account for. however i have recently had an incident where the company who i have a standing order with withdrew the money before the date they stated it would leave my accout. i there fore became overdrawn with no over draft. it was only like 10p so i put the money in and thought that was that. no i then recieved (with no formal writen warning) a £20 'fine' for going over drawn. but this made me go... read full review »