so after years of smugly deriding people who've had bank charges, i went over my overdraft limit the other day.

my excuse is that my laptop has been out of action, and that i use it to do my bank stuff, and that my bank card has been broken, so i havent been checking my balance at cash points.

anyway, so from sunday until just now, i was £223 overdrawn, and my limit is £200

i've now shifted my savings into my current account, so i'm way into the black.

i've not been fined yet. will lloyds tsb fine me soon, and if they do, will i be able to get them to give me it back sharpish or what? and how much are we talking about here?