Hi all,
I currently have a basic LLoyds account, i never used to have an overdraft or anything with them ( this was paid off with a previous charges win) then i went slightly overdrawn, due to charges i now have an overdraft of £1900 all due to bank charges. LLoyds said i could pay this off at £50.00 per month (£30.00 for interest and £20.00 towards the overdraft) due to being self employed and having little work there has been times when i havent managed to pay it which led to more charged being added (£160 each time) and every time they increased my overdraft to cover it.
Due to no work i am missing payments on credit cards and a loan and the overdraft i have with lloyds.
Do u think i stand a chance on the hardship case. I was going to wait until the court case against them is finished but im having letters daily from debt collectors and phone calls which is really taking its toll now.
All comments appreciated
Christina