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However, if they remove all your money on the 1st of the month and your mortgage comes out on the 2nd, this is legal.
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What theyd do was give a date for the charges coming out, say 14/3/2003 and if the mortgage was coming out (£234 for example) on the 12/13th and there was only £233 in the bank they wouldn't take it out (obviously understandable) and that they would try again in 5 days ( which was ok 'cause my wages would be in and we could afford it). But then on the 14th the bank would take their charges out (£400) and send us overdrawn!? then of course the next week my wages went in and again we couldn't pay the mortgage. Some times if the motgage AND the chrges were coming out on the same day, they would refuse the payment on the mortgage and take out the charges, event though it sent us overdrawn.
it went on like this for a while until we couldn't afford to live and lost everything.
We just call it a learning experience and will not get into that situation again.