Please someone recommend a Bank Account with reasonable charges???

[Demented]

I am very, very ! I have just been to check my on-line balance with the Abbey National and I have gone a whole £11 over my overdraft limit! I phoned the number and was connected to a call centre in India somewhere to woman who could barely understand me and I could barely understand her. After about five minutes she eventually managed to tell me that I would be charged £90 for going £11 over my overdraft!!! Three tiny transactions have caused this! I have got to get to the bank today with some money as this is going to get worse (am terrible for switching two or three pound).

Does anyone have an account with better charges than this?

I have NEVER gone over my overdraft before and will certainly try to get these charges reduced perhaps when I visit the counter today as they completely ridiculous!

JanH he's done it to himself too! He's only got £8 left play with.

Will look at A&L, I think we have a branch locally and I like the idea of being able to use the PO. Thanks!

dh and i need to combine our accounts and he is trying to get me to come away formt he Halifax as they have charged me loads when I have gone over my overdraft, but I want to stay with them as I can't be bothered chanding over all the direct debits adn standing orders.

It's supposed to be dead easy now, lili - all the banks offer an account switcher service (A&L's ) - the new bank contacts the old bank for details of payments and sorts it all out for you.

Are you on commission Jan?

Have a look on www.moneysavingexpert.com, they should list the best accounts there.