Thread: 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.