Congratulations Walgrave! My computer went down and I lost the forum, so thanks for replying, it showed up in my e-mail! We haven't done anything about our son's charges yet. We live in Spain (he doesn't) so it's a bit difficult. We have helped him to do a budget for his spending. This appears to be working and he hasn't gone over his overdraft limit in about three months. Will help him with the charges when we're in the UK next time.

Muchas Gracias!

Hi, my son's charges have mounted up almost solely because he has exceeded his overdraft limit (I don't think he has any bounced direct debits as he doesn't have these - he can't handle them and pays cash). Can we claim these charges back and if so for what period? Are Lloyds TSB likely to want him to close his account?

Thanks sequenci and others who have replied to this thread.

Hi there, thanks for your reply. They have wireless Broadband, cable TV, washing machine, fridge-freezer and the rent includes everything except food. Telephone calls are permitted if they ask first. I charge £65 for the double room and £50 for the single. We are in Wolverhampton north of Birmingham. From what others have said it seems reasonable. Thanks again

The property is in the West Midlands, north of Birmingham. I'm charging a bit less than the Birmingham figures that you quoted. Didn't want to diddle them, or me! I also have another lodger in a smaller room who pays less. Think they are probably reasonable rents then. Thanks for your help.

What do you think would be a fair rent to charge a person living in the house on a LODGER basis, renting a large furnished double room? The rent is to include all bills apart from food. They will have kitchen access and access to a communal lounge. They will share a bathroom with the family. They will be able to use the washing machine and fridge-freezer, and the garden. Broadband and Cable TV are included in the rent. The house has a gas safety certificate.