Interesting article appeared on BBC news website in the Scotland section with regards to parking. Just wondering if instead of reaching a settlement and had actually gone through with the court hearing would the outcome have been different. http://www.bbc.com/news/uk-scotland-glasgow-west-35772704

I had a £3,000 overdraft facility on my RBS current account which I used to the full (!) but was unable to maintain repayments on following illness and ending up on long term sickness benefit (ESA). In January 2012 I reached an agreement with RBS to freeze the interest on the account and to pay £1/month by SO. This has been reviewed and renewed each year, most recently in April 2015 for a further 12 months. I've maintained payments throughout that period and maintained good relations with the bank. Last month I returned to full time employment. I'm willing to re-pay RBS's overdraft but want to be careful about how I go about it – agreeing no more than is necessary. So: 1) How soon should I notify RBS of my change of circumstances? 2) Is there any point in offering a full & final settlement? If so, at what %age? 3) Should I expect interest to be applied to the overdraft in future and, if so, how much would be reasonable? 4) If I make a repayment arrangement what is likely to be seen as reasonable? (I also have about £25,000 owed to various credit cards or DCAs, mostly with similar arrangements in place.) I have two other unblemished and unconnected bank accounts into one of which my salary will be paid so would continue to pay RBS by SO. FWIW my RBS account is in Edinburgh (I transferred it there from England to avoid a threatened takeover by Santander) but is now managed by their collections department in Birmingham.

This is my story . I had a £16 a month sim only contract with tmobile for 2gb of data ,1000mins and unlimited text. My contract was due to end on October 28th. In september i got a bill from tmobile saying i had to pay about £158 for internet usage , which they promptly took by direct debit. With this incident I decided I would leave t-mobile > I called in to cancel my contract as i knew October was the last month, they refused to cancel and said I had to give them a months notice and since I was telling them to cancel in October , I will have to wait another month till November to cancel. I said fine and they gave me a date in November and sent me my PAC codes. I now signed up with another provider O2 and O2 advised that on November 12 they would transfer my t-mobile number to their network. today i received a bill from t-mobile charging me Over £3000 for internet use on the day I was transfered to O2. They are charging £7 per mb for 483mb which they claim was outside my 2gb allowance resulting to £3088. I was shaking. I called them and they said the internet was on the 12th of November the same day O2 transfered my number. I complained to them on the phone that this cannot be and complained. They said they will investigate in 3 to 2weeks. Meanwhile they plan to take the money from my account on the 30th. Now if they dont get the money they will default my credit rating. Please what can i do. I have a nagging feeling that this charge was to punish me for leaving them. I also read that the EU had capped the charge of internet charging on any phone in the EU to 50euros....£42 how come t-mobile if this bill was indeed true can charge me £3000. How come they did not inform me that the cost of out of allowance charges was £7 a mb. How come they did send an alert to say i have exceed my limit. I also read that the amount for data usage is about 0.20 euros...as stated by EU regulations. .how come tmobile is charging £7.....is this correct . I am worried that they will mess up my credit file if they dont get this money .. ...what can i do . ..i dont earn enough to pay that kind of money for anything. Should i take a loan to pay them to stop them messing up my credit file. Please some one help me. I cant sleep now....i have to go to work tomorrow and with this shock i cant