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Overdrawn and crippled by charges

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My husband and I have become overdrawn in our Barclays Joint Account. We are being charged £100pm because of this. We feel the charges are too high in comparison to other banks, but are uncertain about how we might change accounts while owing with amount. How might we sort this out? We cannot take out a loan - we have one currently running which we are paying back successfully with my husbands bank - Lloyds, but we still have a way to go.

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