for going over my overdraft, i set up a payment arrangement with lloyds to clear my OD i started off with £900 and was paying £45.00 a month off it but didnt always get the payments into the account by the date they stated so i kept accuring charges my o/d is now £2500 and that is all due to charges nothing else as i dont use the account. due to my tax credits and salary going down i now cant pay my council tax, utility bills or the £45.00 which lloyds have put upto £75.00 so to try and clear it off...