Personal Reserve Fee

Lucy1984

mr_fishbulb wrote: »

This is probably going to sound rude, but it's not intended to be - I personally wouldn't be going on holiday if I was constantly living in my overdraft.

You're paying £88 per month in fees for using it, which is over £1000 per year. If you weren't going on holiday then you could hopefully pay off the overdraft (or at least get to the point where you don't keep dipping into the personal reserve).

Yes your right, I know.
It's too late to cancel it now though as it is all paid for (it was one of those Sun £9.50 holidays so seemed a good bargain at the time)

Lucy1984

getmore4less wrote: »

YOu still need to go back through the accounts to understand where you went wrong so you can avoid it happening again.

If the OD was clear in Jan(begining of year)

You have 7month of pay(£800*7 )+ £1k to account for.

£6600.

Ok ((£200+£45+£7)*7 )£1764 identified that leaves over £4800.

I will look more thoroughly at my statements tonight & get back to you.
It is scary how much money I have spent when you put it like that