[Kerry]

Originally Posted by Vicky.

Lloyds bank offered me a £1000 overdraft on my 18th birthday.

Obviously I took it.

WTF were they thinking though, they knew I barely made any money then as I used my bank for my wages


Lloyds are ridiculous for things like that though, they let my 16 year old(at the time) sister use an unarranged overdraft. Obviously the majority of 16 year olds would just see it as free money, to be fair on her though she only spent about £100 but it could have been more. And then they hounded her for it. Sharp shut up though when my mother went in and told them how illegal it was to give her credit at that age...

Natwest are just as bad. When I was 16/18 I worked part time for £65 a week. They gave me a grand overdraft

[Vicky.]

Originally Posted by ~Kerry~

Natwest are just as bad. When I was 16/18 I worked part time for £65 a week. They gave me a grand overdraft

Natwest charged me around £300 in bank charges because I accidently went £3.43 overdrawn. Yup...

Needless to say, after trying to sort it out with them and them insisting I would pay it...one of the bailiffs who are looking for me is collecting that for them. That is one I am NOT paying.

[Kerry]

Originally Posted by Vicky.

Natwest charged me around £300 in bank charges because I accidently went £3.43 overdrawn. Yup...

Needless to say, after trying to sort it out with them and them insisting I would pay it...one of the bailiffs who are looking for me is collecting that for them. That is one I am NOT paying.

Yep, done that to me too. I closed the account

[Vicky.]

Originally Posted by ~Kerry~

Yep, done that to me too. I closed the account

They told me I couldnt close the account until I paid the £300. I snapped my card and threw it on the floor in the bank and flounced out...like a real badass

[GypsyGoth]

Originally Posted by Vicky.

They told me I couldnt close the account until I paid the £300. I snapped my card and threw it on the floor in the bank and flounced out...like a real badass

[Kerry]

Originally Posted by Vicky.

They told me I couldnt close the account until I paid the £300. I snapped my card and threw it on the floor in the bank and flounced out...like a real badass

Good on yer

I still owe them money. They keep asking

[Vicky.]

Originally Posted by ~Kerry~

Good on yer

I still owe them money. They keep asking

I do too. They passed it on to debt collection places now though.

I want them to take me to court tbh. And Im hoping the courts would see how pathetic natwest are being on their end. I offered to repay the 3 quid odd..plus pay ONE set of charges, which was about £28 IIRC...but they wouldnt even take that

[Kerry]

Originally Posted by Vicky.

I do too. They passed it on to debt collection places now though.

I want them to take me to court tbh. And Im hoping the courts would see how pathetic natwest are being on their end. I offered to repay the 3 quid odd..plus pay ONE set of charges, which was about £28 IIRC...but they wouldnt even take that

Have you seen the website money expert? It's fantastic for fighting banks/bailiffs etc. Nationaldebtline too. My mate sent me a pack about rights and stuff and it's so surprising what they actually can't do. For instance, a bailiff CANNOT enter your house unless invited and they can NEVER take goods unless it's been to court and you default on court payments. Bailffs can only take actual action after court

[Claymores]

Whack down to yer local Citizen's Advice Bureau/Money Advice Cenre Joe PLEASE.

We cannot talk specifics online, but even Locke who hates me heard my voice.

[Kerry]

Originally Posted by Claymores

Whack down to yer local Citizen's Advice Bureau/Money Advice Cenre Joe PLEASE.

We cannot talk specifics online, but even Locke who hates me heard my voice.

If it's just council tax he just needs to ring them. They'll split the debt over the year is all. I've owed them well over that before

[Judas]

£7000 so far.... although that is my Student Loan. I'm paying for my next year on quickquid.com though so I'm hoping it wont be to much interest saving me money in the long run xoxo