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OD Charges

Hi,

Im new to the site, so I hope im following proper convention and posting in the right place!

I am with First Trust bank in NI and have been getting charged £15 per month for using my overdraft as part of thier standard current account.

I have just found out that I qualify for thier Plus account which means that I will not have to pay this £15 per month. Is this something that the bank should have disclosed to me (to save me from paying £15 per month). If so, is there a way I can re-coup these costs?

Thanks
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