I have been credit crunched!

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).

Ed - you can claim that back. Look it up on the money blogs... Don't take those.