Hello, I'm in a pickle here and feel as though i have exhausted all means of resolving my dispute with Lloyds TSB. After sixteen months of them charging me on my student overdraft facility which has nothing going into the account and nothing coming out of it and they couldnt and still cant explain the charges. Every month they have sent me letters demanding payment of crippling charges but when i call them they cannot explain them so refund anything taken from the account which has made me go over my overdraft limit which then of course incurrs more charges which they also removed from the account. Although in December of 2007 they decided that they were no longer going to refund the charges and demanded payment even referring it to a solicitor. I sent all documentation i have to the financial ombudsman including letters of apology from the bank, but nothing has been done. I have made the banks solicitors an offer of payment over the phone which they declined. I had to close my classic account because the solicitors took control of both accounts which meant i couldnt pay anything. The solicitors had advised me to close my classic account so my entire months salary wasnt taken and i did so. Only to find that three weeks later they have taken my wages from a closed account anyway. Is this legal? the account was closed! Now i have no rent money for the second month, my car insurance is being cancelled on the sixth of june and i have nearly one hundred pounds worth of late payment charges on my barclay card. Shouldnt they have told me that they were going to do this at least? I have no idea what to do anymore, i cant afford to live. Taken the day off work to try and resolve this but getting nowhere even after contacting legal aid and the ombudsman service again. Any suggestions very welcome! I feel like they have taken so much money from me and now i am loosing money by not being at work to try and sort this!