first off bro, breathe... Right, now if you go talk nicely to the bank they may refund those charges and/or set up a temporary overdraft to stop you going further overdrawn if you explain the circumstances... Secondly, ask BT to cut you off for a month, prevents you incurring further charges as dave said, but if you can also get them to accept a card payment in a few days (blag this one if necessary) and cancel the direct debit, this prevents further bank charges if the bank won't give you an overdraft that'll cover it... Hope this helps mate
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