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I need help!!!

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Hey everyone,
I have entered into an agreement with my bank to re-pay my overdrawn status on an account i thought I closed.

Basically I have agreed to pay £50 per month until the amount is paid back. I have been doing this now for 4 months, I went to my bank today to pay another £50 in only to find I have been charged £196 on which I assume is because i am overdrawn.

Surely if i have agreed to pay back money owed they cannot charge me this amount? It means i will never pay back the debt!

Furthermore this account im paying back for is in my previous address which I have tried to change in branch and on the phone around 15 times in 4 years so i am currently receiving no literature either.

Any help on this matter would be appreciated as it is starting to do my head in!
Total Debt Started 06/11/06: £15995
Total Debt 26/05/2008:£8393
Total Debt 08/12/2008:£7125
Total Debt 03/12/2009:£3500
I'm getting there!!:j:xmastree:
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