University Student Paid 000s in charges and i am also poor

Jordieee123 · 2nd March 2010, 00:49

hello,

I am currently a student who opened two bank accounts for an overdraft autolinker.com autolinking image

, One is Lloyds autolinker.com autolinking image

tsb and the other is Bank of Scotland autolinker.com autolinking image

.

I have paid £900 in bank charges autolinker.com autolinking image

to lloyds tsb and £800 to bank of scotland.

The bank of scotland have sent it to a debt company and I have no money to pay them back at the moment, I took an overdraft thinking i never had to pay it back until i finished university. I really hate banks.

I been stress alot because of theses debts. I took Lloyds Tsb to the financial Ombudsman autolinker.com autolinking image

and i recieved there final decision and they said since Lloyds Tsb gave me an option to pay £10 a month to reduce the overdraft I am not getting a refund. Now, I've hit a brick wall. What should I do?

I am very poor student who earns under £6000 a year and they expected me to pay £10 a month, when they charged me over £190 a time because i went overdrawn by £100, and the bank of scotland have sent the debt to a company and they are chasing the debt, now. I am going to be a chartered accountant and I can't afford to get a CCJ against me.

Please help I really need some good luck in my life.

rdm2006 · 9th March 2010, 01:21

see here
http://www.consumeractiongroup.co.uk...-scotland.html

2nd March 2010, 00:49	#1 (permalink)
Jordieee123 Basic Account Holder Help the CAG!! Download our toolbar Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Mar 2010 Posts: 4	University Student Paid 000s in charges and i am also poor hello, I am currently a student who opened two bank accounts for an overdraft, One is Lloyds tsb and the other is Bank of Scotland. I have paid £900 in bank charges to lloyds tsb and £800 to bank of scotland. The bank of scotland have sent it to a debt company and I have no money to pay them back at the moment, I took an overdraft thinking i never had to pay it back until i finished university. I really hate banks. I been stress alot because of theses debts. I took Lloyds Tsb to the financial Ombudsman and i recieved there final decision and they said since Lloyds Tsb gave me an option to pay £10 a month to reduce the overdraft I am not getting a refund. Now, I've hit a brick wall. What should I do? I am very poor student who earns under £6000 a year and they expected me to pay £10 a month, when they charged me over £190 a time because i went overdrawn by £100, and the bank of scotland have sent the debt to a company and they are chasing the debt, now. I am going to be a chartered accountant and I can't afford to get a CCJ against me. Please help I really need some good luck in my life.

9th March 2010, 01:21	#2 (permalink)
rdm2006 Classic Account Holder Help the CAG!! Make a contribution Worried about your signature being copied onto CCAs etc? Use SignGuard Cagger since : Jun 2006 I am in: Where the Oatcake is rolled Posts: 1,303	Re: University Student Paid 000s in charges and i am also poor see here http://www.consumeractiongroup.co.uk...-scotland.html