I AM a gap year student from Huddersfield University and am working for an agency in an endeavour to reduce my loans, before I continue my studies.

I have recently received a demand from my bank to pay £58 in charges for a 65p overspend on my limit.

I have managed to contact the bank and reduce the charges by £28.

I am trying to keep myself solvent but these extra charges are just adding to my debt.

I am not in the habit of deliberately upsetting the people who enable me to continue with my studies.

I think it is a bit unfair to penalise me in this way.

ian s neave