I went over my overdraft limit this month and the bank have written to tell me this and charged me £30!!! I thought bank charges couldn't be made over £12 now? I told the woman on the phone that and she just said 'no, this is a referral so i that's what we charge' WTF does that mean? (btw it's barclays, the shower of bastards! am changing my account as soon as i can but have a huge overdraft at the mo as i'm on maternity leave. as soon as i get straight i'm going to Smile)