Firstly, thanks for helping and sorry for the late reply, i have an awful lot of resit work to hand in in the coming days. Unfortunately i am still banking with lloyds tsb because i have not had the funds to repay the overdraft and shut the account down. I believe i did not receive the proper notice of intention of removal of the overdraft.I only remember receiving letters stating that my account was under review in terms of removing the overdraft. Im considering writing a letter to the effect that 42man has kindly mentioned, however i have not had a chance to read the bcobs in detail as my uni has kept me busy over the summer. I, like many others, have fallen into the trap of feeling down about the whole situation and ignoring it until i have no further options.Ii just wish i could have found this forum when the issue was fresh. At this moment of time i feel like im to blame for the whole mess. Again id like to thank you for your help and time. I would most certainly have lost more sleep if it wasnt for your kind and much needed advice

i understand the nations problem with weight and how to lose it, but what about those that need help gaining it? weight is a sensitive issue in that it makes one become self conscious just by a mention of the word. i believe alot more needs to be done on raising awareness for people suffering on both ends of the scale. i, for one have realized and accepted i will never look like the bloke on tv, nor who i want to (which is surprisingly like the bloke on tv), but where do i go from here? tips on how to gain weight are most welcome.

Hi, I am a student, currently in my third year of a law degree. I have been a customer with lloyds tsb for five years now. Around december 2010 i received a letter from lloyds stating the overdraft facility (£1500) they were providing was under review. (The same interest free overdraft all students receive). After my first year at uni my overdraft was fully utilised in the general student spirit. I next heard from lloyds in march 2011 again telling me the my account was under review. It is neccessary to mention i have received many a charges for late payments, returned direct debits and unplanned overdrafts. However i do eventually end up paying them. In april 2011 i logged on to my internet banking to find my planned overdraft at £200 and my balance at minus £1500. I went to in to speak to them and was told by the kind lady that she could be of no assistance and was handed a number to ring. I rang the number and found myself talking to an Indian man claiming to be from the collections department. After looking at my income and expenditure he came to the conclusion i could pay 40 a month back. i have been in this agreement ever since, it gets renewed every 6 or 12 months. Id like to knowif i could claim anything back of lloyds as they targeted me when i was at my lowest (not including now) and as a result find myself owing the same amount whilst making them 40 better of each month. Any help or advice would be much appreciated!