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    i was with the midland(now h.s.b.c.) for over 30 years straight out of school until they did the same to me as above.

    ok i was never their biggest customer averaged only about £300 in my current account, anyway on the day my wages were being paid in i made a larger than usual credit card purchase that took into being 65 pence in the red.

    they took no account of my past record with them and refused to cancel the penalty for being overdrawn.

    needless to say i no longer bank with them.

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