I went onto the Natwest Website over a week ago now and used one of their contact forms to explain I did not have enough money at the moment to pay off my overdraft, left my account number and sort code as adised on the form and left my contact details, etc. They still have not gotten back to me. Any thoughts?

Thanks for your reply. I think I'm just going to call the bank and arrange a meeting with the manager and speak face to face to a human, explain my current situation and that I WANT to pay what I owe but I can not afford to pay too much every month. Hopefully we can come to an agreement. I expect they will advise me to take a loan which is ludicrous advise to someone in financial hardship which I will knock back of course. Does this sound feesible? Edit: I have also in the past walked into a branch and asked the manager when my interest fees and charges would be coming out of my account. He said he couldn't even tell me! Just said 'About the 15th' they came out kn the 13th and I incurred charges because I hadn't yet got hold of the funds to cover the amount. I was furious!

Mant thanks for your help! If there is anyone who has had personal experience with this company I would love to hear from you.

Surely the amount I could just about afford to pay would only cover the interest and I would forever be paying off a whole load of nothing. Many thanks for your reply.

Hello all. I have used QQ to make ends meet in the past and although I have yet to miss a payment I'm in a situation where I have no idea where my next payment is coming from because I have several debts, etc. How would I approach them to sort this out, I'm totally new to all of this and don't understand any technical jargon surrounding debt laws. Any help as to what I should do and what I should write to them would be greatly appreciated.

Hi all! I'm new to this site and have no experience with approaching lenders or crediters. I have an arranged OD with Natwest which started off small a few years ago (I'm 21 and I think I made my first OD request at 18) and since I have built it up to 1800. This is irresponsible of me but I was young needed some extra cash and didn't think much of it. Knowing what I know now and having matured I'd day ODs should be limited to 21 and over. I can not afford to pay the interest charges on this account as I have other debts I need to pay. I took out a 2k loan with amigo loans in December because I wanted to rid myself of the demoralizing overdraft and another bad decision was that I didn't then cancel my overdraft and what with getting a new flat and christmas where my partners pay was screwed up I've spent the overdraft again on deposit money and christmas, etc. I haven't yet contacted the bank and I would like some guidance as to where I should start and any templates to send the bank would be much appreciated. I have 900 left to pay off of my Amigo Loan which is no hassle, I haven't missed a payment of 206 a month. I have opened a new account with barclays and re arranged direct debits with my virgin media and o2 and amigo loans etc as well my salary. My natwest account now has nothing in it and all direct debits have been cancelled. Again thanks for any help in advance!