Awesome, thanks for the response guys. I will use that letter as template and reword where necessary. I will be changing banks once this has been dealt with, the co-op sounds good. Thank you all so much

Thank you Dx, i will have a read of these now. Yes i get my Child tax and child Benefit paid into the same account. I was thinking about moving across to RBS and such.. But then it came to mind that if that should happen Natwest will be chasing me down for payments for these OD fee's and the charges will just keep on growing.# Paul

Hi All, i am fairly new here and was wondering if you could give me some advice. My bank charged me overdraft fees a few months back now because my account had become overdrawn due to rent being taken out 5 days early.These charges are marked down as UNNARRANGED OD FEE. Since then we have paid off the OD fee and they have charged us an even larger amount with the same unarranged OD fee a month later. Since that unarranged overdraft fee had put me overdrawn i expected another charge to be made so i left money in my account to cover the costs next month, but the charge was more than i had left in the account. So again another OD fee was charged a month later. I'm sure you can see the pattern here. I have been into the bank to ask them when the next OD fee would be taken out and how much it would be, but they claimed that they did not have that information, i have been in and talked to 3 different people in Natwest and they all say the same thing. I just received a new OD fee today and it is overwhelming, it is around half of my monthly wages and i just cannot afford to keep doing this with them. I have arrears elsewhere which i am paying off which doesn't leave me with enough money to cover these bank charges... What do i do? Thanks in advance for any help/advice you can give. Paul

Since the crime was carried out she has been back and forth from hostels to B&B's until January of this year where she finally got a tenancy and a permanent home. So she hasn't had an address of postal for a good two years, it may have been likely that they tracked her back to her previous home with her mother although she does not have contact with her anymore. Either way she has not heard anything from the courts RE hearings etc.. until two days ago when the bailiff brought the warrant of distress. I will try and track down the court which has the details regarding said case and see what we can do from there, i'm just hoping to god they allow me to speak on her behalf as she is not the best with words! Thank you all for the comments so far, really do appreciate all the help

Hi All, Very new to all of this but essentially me and my partner got together a year ago and it turns out she has some minor debt. A fine from the courts for a theft which ended up a £120 fine. Now, this was two years ago (When she was 18) and they have decided to catch up to her now about it. The initial amount owed was £120 and has risen to £420 she has had no previous contact with them except for the court date, she received no warrant (Until today), and no notice of the debt to be owed. The Warrant we received today was stated as a "Distress warrant" And was of the value of £205 in the balance to be paid, £120 original court fine and £85 letter charges. But £420 was handwritten underneath and apparently that is how much we owe. I did read something about bailiffs and 180 days from when the warrant was issued but only had a moment to glance at that. The case history is marked as follows: July 2012 : Start Note Offence - Theft from a shop Date of sentence: June 2010 (Which is the £120 fine issued by the court) July 2012: Hold Case - Specific Period Hold Until July 2012 July 2012 - Misc Note Batch List Printed July 2012: Letter Sent - First HMCTS - First Bilingual Printed (I am assuming this would be the £85 letter charges) August 2012 - Bailiff Assigned Bailiff XX Assigned to case August 2012 - Misc Note Assigned cases List Printed August 2012 - Misc Note Activity Report / HMCS - Distress Warrant Printed August 2012 - Bailiff Unassigned Bailiff XX Unassigned August 2012 - Bailiff Assigned Bailiff XX Assigned to case August 2012 - Misc Note Assigned Cases List Printed Now, I am unsure where the additional £215 charges have come from to total debt to £420 but i wanted to know if you had any advice? There is no court stamp on the warrant and the only people we have spoken to is people from the main company which is Excel Civil Enforcement i can't seem to be able to gain information as to which court the case was assigned to. If needs be i can and will upload the document we recieved from the bailiff and black out all of the personal information so you can have a look at it. But from what i have stated here, is there any reason i should be suspicious? Thank you to anyone and everyone who helps me and my partner has just had a child and we are in our first tenancy so we are all over the place anyway at the moment! EDIT: Sorry, i also forgot to mention that he seemed twitchy about me paying in instalments, he wants payments done within this month. He won't allow any other way.