yep- they are the only charges on my account- i have had my account since september (its my first ever bank account)

i owe Lloyds tsb 215 pounds in charges on my student account (I have a 1500 pounds overdraft limit which i went over by a few hundred pounds) these charges have been automatically added to my balance and now i am over my overdraft limit- i have as of yet not paid these charges back my question- is it possible for me to arrange some kind of system where i pay by installments as they are asking for me to pay this money back now and i simply can't afford to pay it all back at once? ps. i'm guessing i could possibly reclaim these charges but would prefer not to because i have handled my account irresponsibly