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Lloyds TSB Current Account DEFAULT - Mostly from Charges - HELP!


StudentInTrouble
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Hi Everyone,

 

Thank you in advance for taking the time to read my thread.

 

Ok so in 2007 (when I was a student) I opened a Lloyds TSB Current Account. They provided me with an overdraft of ~£2000.

 

Somehow a direct debit pushed me

 

Some months I was getting charged almost £300 in bank charges. This went on (despite me practically begging Lloyds to stop it and realise that it was ridiculous) for almost a year.

 

Whats the damage? I now have a default for £3900!!!!! I believe that £2000 or more of this is due to hefty monthly charges of almost £300 per month!

 

I need to sort this out, as its been on my credit file for 2.5 years now as a large defaulted balance.

 

I didn't spend this money - and this all happened as a result of one slip up - my account going overdrawn by less than £50 because of a direct debit I hadnt covered.

 

I'm not even sure if I have the full details of my account number / sort code any more, but I will dig these out of I can.

 

I really need help to sort this out as my credit file has been tarnished by this.

 

What can I do??

 

Seriously, I am very thankful for any help.

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