It's right that they can still charge you - but, for instance, I can't afford my bank charges this month, so I rang them and explained my circumstances. They have, as a result, put the fees on to next month's account, so I will have no fees this month. In the meantime, I am claiming my charges back for the last 6 years, as the rates are extortionate in proprortion to what the bank *actually* pays in admin costs. I'll post the website for the letter next
Good luck,
Regards,
Esstta x