I have been carefully living within my overdraft limit, having slipped over once or twice in the last month or two. I had a few quid left in there before the next income lands next week. And yet, I just checked my balance and I seemed to be £100 over my limit. Turns out the bank have taken out two £35 breach of overdraft payments and one £30 direct debit charge for like a £12 payment that bounced last month.

Nice one Lloyds TSB! I bet they try to charge me again because the charges took me over my limit, and then again, and again... in an infinite cycle of bullshit.