No this was a joint personal account my partner and myself were joint signatures .
Ok - are you overdrawn?
OK - but was it in credit?
OK - so on what basis are they charging you?
But it was in credit?
Did you not try and pay it off?
Ok - well you should write to them and make a formal complaint. You can do that at your local branch or head office in London
They will investigate the matter and report back to you.
If they do not uphold your complaint you can then go to the Ombudsman
They offer a free, independent service and can examine your complaint. Their website is: www.financial-ombudsman.org.uk
But they wont consider a complaint unless you have already raised this formally with the bank
But that should resolve the matter for you
Can I clarify anything for you about this today please?
Great.Can I clarify anything else for you?
Great. If I could ask you to rate my answer before you do go - the button should be at the bottom of the screen
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