Example 1) BankX charge £35.00 for making a debit card payment or direct debit payment with insufficient funds in the account.

In January 2009 a Payday Agency customer made 6 payments totalling £34.95 using her debit card whilst overdrawn and was charged £210 (£35 x 6 payments) by BankX.

The £100 payday loan she used the following month from Payday Agency to help her meet her financial commitments cost her just £25 in charges.