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charges when apparently within overdraft limit

I have been unfortunate enough to be subject to two charges of £20 incurred for returned direct debits payments, despite my account apparently being within my agreed overdraft limit.

Upon complaining to LloydsTSB, I was informed the direct debits had been returned because there were insufficient funds in my account, owing to as yet unprocessed debit card payments which were not paid until the following day.

Why is it banks can legally mislead you into believing you are running your account within agreed limits by 'hiding' unprocessed debit card payments? Could it be because it helps to levy charges on unwary customers?
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