I have been caught out in the past when my account has gone overdrawn by a few pounds and the bank has charged a lot of fees on the top increasing the debt dramatically. This article, however, highlights what I hope is an extreme case of unfair charges. The article talks about an HSBC account that went £5.60 overdrawn. In the first month £184 of charges were added to the account. In subsequent months amounts of £152 and £176 were also added, making the total debt more than £500. The bank said it wrote to the customer informing them of the problem but no letters were received until nearly four months later when the debt had mounted up. In this instance the bank did apologize although the article does not state whether the customer still had to pay the charges. It makes me wonder how many other people have been caught out by this tactic.