My bank account is overdrawn by £30, however there is no overdraft facility on my account and I've never been able to go overdrawn before?

My account will allow a small, micro overdraft (typically less that £1) but they've never allowed me to go more than that and this shouldn't happen. My available balance showed before this occurred that I had £20+ so I bought some items yet I've just seen the negative balance, there has been no fraud.

My account will allow a small, micro overdraft (typically less that £1) but they've never allowed me to go more than that and this shouldn't happen. My available balance showed before this occurred that I had £20+ so I bought some items yet I've just seen the negative balance, there has been no fraud. How is this possible? Is the bank screwing me by showing a false available balance (which should always be accurate) to screw me over and charge me bank fees? Is this even allowed?

Other answer:

Mortal Dimunitive:
Well I could say be more careful but I guess you're the type who likes to work hard at learning
Peter The Piper Uk:
So…What would you rather the bank 'bounced' a cheque or withheld a payment due to "Insufficient funds" ? together with the charges involved with this.
Your bank took the option of allowing you to have a temporary 'Un-aranged overdraught'…….and as the bank does 'Nothing for Nothing'……Charged you for the priveledge !
DR + Mrs Bears face:
You are an adult. You are supposed to be able to add up yourself how much money you have in your account.
Christine:
Banks usually have a small leeway on their accounts that let you be overdraft a couple of dollars (or whatever media you use), but they expect you to repay it within 10 days. 30 might be pushing it. You can find out by asking the bank of they covered the charge or if they returned the check (or rejected the charge). A bounced check can get you an overdraft charge added to your account, so maybe now you have to pay back not only the 30 but also another 1-, 20 or 30 (whatever the bank charges). Usually they charge you once for every transaction that is "non-sufficient funds" or overdrafted. Don't expect them to let you overdraft your account more than once or twice before they charge you more or don't want to do business with you any longer.
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