I recently phoned up my bank to transfer some money into another account of mine, I had just been paid, but this was the only money I had in the account. I had tried to do this online first, but it had not worked, a then tried again, but it didn't work again. I therefore called up the customer service desk and the gentleman confirmed for me that it had not worked. I wanted to transfer all of the money in my account, which he did. But the problem was that one of the times I had tried HAD actually worked, a standing order to my other account. This meant that the amount, obviously, doubled and I went overdrawn. Now, leaving for my Christmas holiday break, I did not notice this for almost two weeks, however when I did notice I was straight onto my bank again asking why this had happened. I explained what I had asked, and what I thought must have happened, however they informed me they could not reclaim the money from my other account (with a different bank), but as I had apparently not incurred any charges all I had to do was transfer the money back again, I did this, but a few days later a charge for going overdrawn was shown on my statement. I called the banks up AGAIN and was told what I already knew, it was a charge for going overdrawn. Now what were they going to do about it? I told them the whole story, he then went away and was talking to his manager about the whole thing, he came back with all the times and details of what had happened to my account, and I had to explain further that this was through no fault of my own, as the first customer advisor had made the mistake. He told me that my standing order had in fact worked, and I therefore explained that the other guy must have been wrong then, and he shouldn't have transferred the money. Now, they were going to charge me AGAIN in February for going overdrawn again, as the charge they gave me took my overdrawn again, but they have now stopped that charge, and are putting the money back into my account they took out in the first place for the overdraft charge. I have however had to spend hours on the phones, and had phone bills increased due to having to call their premium lines, and also had the worry that I was somehow going to be owing the bank more and more money which I wouldn't be able to keep up with as I have only just started work again. Please give any suggestions at all, either way, I'm just testing the water as it were.

Thanks!

Quite frankly the onus is on you to keep your complicated banking arrangements straight - not the bank. You just might consider not having two different banks and deal with one bank only.