My bank has charged me £40 and is going to charge me around £60 more over the next few weeks in bank charges without notifying me by mail (I had opted for 'paperless' like a twat). This is all because I have spent under a tenner on a variety of train journies without realising it was so far in the red. can anyone give me advice on reversing this please? I am pretty much penniless and owe loads of people already. it's understandably making me a bit stressed.