I had precisely this, 25 years ago - I came back from a few months abroad to find a pile of letters from my new bank, NatWest, and nearly £1,000 of fees from th

I had precisely this, 25 years ago - I came back from a few months abroad to find a pile of letters from my new bank, NatWest, and nearly £1,000 of fees from them for a cheque that I hadn’t written that had bounced, as I had left the account empty, having just opened it. As I was a broke student with few options, I ended up having to default on it, which did wonders for my credit rating for a good long while.