Hi I seriously need help!! In 2003, I took out a secured business loan against my property for the amount of £43k with Lloyds TSB. What should have been a secured loan, instead was given to me as an overdraft facility, which should have been caped at £33k as per agreement by TSB. This happened at the time when the business was seriously struggling. They did no assessments of affordability checks. Instead allowed the overdraft to exceed its limit to £53k By this time the business had shut down and they then decided to convert the overdraft to a loan. Since 2005, I have been paying back in instalments, but on several occasions have informed them that this was clearly irresponsible lending and the bank took an advantage of my secured home position. I have been trying to fight my corner with them since then,with no joy. Reading similar situations on the forum, has given me the confidence to write. I just want to know if I am right in asking them to write off the access borrowing, as I am now out of work and have a medical condition. Please can someone advice me. Thank you Salma