I have been credit crunched!

I know - thing is my overdraft is only a grand, not exactly high finance, but it appears that since i twice went over the overdraft limit, even though i paid it off immediatley, that i am considered to risky. I have fuck all credit rating anyway as i have only been self employed for 11 months so its impossible for me to get any sort of finance (not a bad thing as it means i dont go and finance my self up to the hilt on some carbon porn!).

it sound like it's simply the amount of time you've went overdraft rather than how quickly you managed to pay back the draft.

damn mate I feel your pain (well, not exactly in similar situation but after taking out £30 and was £2.50 overdrawn, I got hit with a £300 overdrawn fines due to not paying back asap, the fine add up over time).