Never ever before overdrawn, after always managing to just stay in the black, elderly widow Rosalind Copeland shudders as she thinks about the searing energy bills emptying her account.
The 78-year-old was desperate and despairing after her supplier upped her monthly direct debit from £66 to £166 and took out extra money in a mix-up.
Tearful Rosalind recounts: “I had a call from the bank. ‘Mrs Copeland’, they said, ‘you have gone into the red.’.