Hi paul thanks for the info I did sign the new loan agreement and i will sen the above im still anoyed that they can just take out the money from my wages account and leave me with out a bean GRRRRR. but thanks for the advise Cheers Drew PS would the C.A.B be able to help ?

First of all i would to you all and say what a great site this is. Well here goes this has been going on for over 2 years it all started when i split with my ex but i will narrow it down to the last six months. To give you a idea of what is going on we had 3 accounts Royalties Gold 20 Grand Loan account approx savings account the gold account was frozen after it was emptied by my kind ex mmmmm and the cards and chq books returned at the request of the bank and the account not used, so I started to use the savings account to pay my wages into and pay my bills from. We also went to the bank asked for the loan tobe split in half but they declined so we just payed half each in the loan account. There is alot that happend with the loan between then and May this year but out of the blue they devided the loan in half and a new loan agreement was set up all thou at a much higher intrest rate of 17.6% all seamed well other than the rate mmm how wrong was I. I have sent many letters and had many phone calls but what a waist of time the bank have been trying for the last 5 months trying to take my loan payment out of the gold account which has not been used for 2 years thus incurring return charges and the loan not being paid also plus intrest, they also been trying to take the old joint loan amount out of my savings account as well which has also been return unpain thus incurring charges. Because of this the new loan account has gone into default and so has the gold account to top all of that i went te cash machine to withdraw out some cash out and the machine took my card why i asked myself so i wen t home checked RBS online and they have transferd all the money from the savings account that I have my wages payed into to clear the Glod account and to clear some of the arrears on the new loan account so now i have money to pay bills and eat lol well not that bad but i dont no where i stand and cant beleave that this is possilbe just after some advise what to do next. Many Thanks Drew