Not what you asked but...
I have been overdrawn with Natwest before and exactly like you, after paying off one overdrawn charge, i was stung the next month. I just went in to a branch, had a chat regarding the charges and they withdrew them.
I found Natwest really helpful.
Have you got a firewall running in the background?
You will have to give GTA-MP access to connect to t'internet.
I had this with zone alarm, i needed to alt tab and approve it.
Another vote for Norwich Union, they have always been far cheaper for me than anyone else.
Even after 2 years of driving they still come up £300 cheaper than the nearest quote.
(btw doing pass plus knocked off about £700 from my first insurance quote, it was originally £2000 for a 1.1...
I am currently with a company called First Call. http://www.firstcallmotorbreakdown.co.uk/home.cfm
I cant really comment on their service as i have never had to call them out. Touch wood. But their prices seem well below the likes of AA and RAC.
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