Hi Els. Thanks again. I cannot remove the letter, could someone please do that? Thanks. The bank were not aware of my situation until recently, I told them a few months ago. I think the sum is for my RBS loan, sorry for any confusion. I havent responded to HL/Capquest. I really appreciate you help.

Hi Els. I think this is for a loan I have with RBS. Ive just come out of hospital and I am all over the place at the moment. Sorry for any confusion. I have attached a copy of the letter. Many thanks again. Your help is very much appreciated. The letter can be found here As I have less than 20 posts I cannot link directly.

Hi Els. Thank you for replying. I have no authorised overdraft facility with this account or my RBS current account (also overdrawn). I am a sole trader. 80% of the balance I would say is charges. Thank you.

Hello friends. Just want to say thanks to everyone on this site who make this community a wonderful resource. A beacon of hope just when it looks like hope is gone. I would really appreciate some advice. I have a RBS business account I have had for around 8 years. My business was doing ok until 2 years ago when family members dying/ pressure of work led to a break down. Subsequently I have been diagnosed with bipolar disorder amongst other things. This account is in arrears, I have not been in a position to deal with the situation until recently. I have received a letter from HL Legal/CAp quest with a letter demanding £11130.30. £190 of that is court costs even though this hast gone to court?? The account number quoted on the letter isn't my account number if that helps. What do you think my next step would be? (I am not looking to avoid my responsibilities but I think the charges are exorbitant) Many thanks. ps I have other agreements with different credit agencies. My only source of income is Employment support allowance. My amazing wife supports us.