They were only overdrawn by 8p. But that trifling amount has left Angela Hannibal and Wayne Green with more than £1,700 in bank charges – and may even cost them their home.
Miss Hannibal, 21, who has just had a baby, opened a basic current account with Lloyds TSB when she was 15.
When she was 18, that was upgraded to a ‘silver’ account which offered her travel insurance, mobile phone insurance and breakdown cover for an £8 monthly payment.
But in January 2009, after the monthly service charge was taken out, Miss Hannibal was left with an unauthorised overdraft of 8p and was told she would have to pay the bank a charge of £170.
Struggling with bills and rent, the 21-year-old offered to pay the bank back at a rate of £30 a month. But she has had to pay a series of further unauthorised overdraft charges – at about £170 a time.'
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