Please READ the whole discussion before you comment, thank you. 'BANKING FEES':

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I am basically at the end of my tether with the Nationwide Building Society, I had an account with them last year. Direct Debits came out of it, sometimes there wasn't the money there to pay them, most of the time there was. I paid most of the DDs no problem. However, I realised at one point that we wouldn't be able to pay a DD which was due to come out, so I cancelled the DD for that, after that, the bank sent me a letter telling me about a returned DD, that would be the one I cancelled. So, I contacted them and explained I'd cancelled already, therefore, the DD should NOT have gone through in the first place. They took £30 interest directly from my account for the privilege, then the bank took another £30 for some unknown reason, then another £30 and another and another, so I contacted the bank, told them I had no idea why they were constantly taking money from my account, they replied by telling me I'd been overdrawn so they charged interest on that, I wrote back explaining that it was THEIR fault that I'd gone overdrawn in the first place. They ignored my letter. I then had a letter from them, telling me I owed them money and to pay immediately, I wrote AGAIN and told them it was THEIR fault that this had happened and that basically I felt as though they'd ripped me off. Since then, I've put "I do not acknowledge this debt" on any correspondence from them, but now, I've got a recorded delivery letter from a solicitor, telling me I've never responded to any of the letters. (Which of course, I did, that's how they managed to reply to me in the first place). This letter basically says that if I ignore it, they will take further legal action. What I want to know is, what can I do? I've already contacted Nationwide and told them that it's THEIR fault the DD came out after I'd cancelled it, I've already told them everything I can possibly tell them, but they still don't understand that I don't owe them anything. I have no idea, other than writing again and again and again and banging my head against a brick wall, I don't feel as though I can do anything. Any sensible advice will be gratefully received, thank you.