Thankyou Womble 72 for your reply, I have now gone past the stressed and upset and now am more p****d off and determined my husband has been great and is behind me. The overdraft limit was for £3400. and is now at approx £3900. The amount in benefits going into this account has been going on since june 2007 when I left work to look after my children then obviously not working ect started to go into overdraft then could'nt get out charges were approx £48.00 per month seperated from my husband for over a year so this is what I was living on ( he was paying the mortgage). I am worried as they have put my account into default so did'nt know if I could try and get any charges back plus the word County Court scares me too!!I tried to speak to cccs and they said because we did'nt have enough funds to pay creditors to pay them a token payment but they keep adding on the interest!!!! CCa requests have gone out to them I will not be bullied and am ready to fight my corner Thanks again from a very determined mum!!

Would be grateful for any advice thanks

Thanks guy's I am too new on here but must say this place is a minfield of information!! I too have a Northern Rock credit card which is with co-operative bank which I never asked or signed for when I took out a mortgage and have sent my cca request which they have not replied to my date was up yesterday and am going to send off the next letter this afternoon thanks again as I was redy to throw the towel in till I found this place.

A big hello to everyone, I have been lurking on here for a while now and have been picking up bit's of info though I must say very confusing!! A little bit about me, I married with 3 young children and between myself and my husband have ran up a bit of debt I have now had enough of the crying and living my life by this debt and have decided to fight back so this is where I'm going have sent a cca to co-operative bank they have failed to send me my agreement (have checked and it has been signed for). Natwest Bank have put my account into default there is a £3500. overdraft on this and with charges is now about£4200. I am also going to try and print off my bank statements and claim charges can I do this if it is in default??? Also most of the money that went into that account before I moved banks was from tax credits, Childbenifit and also 6 months job seekers allowance as that's all I was allowed to claim for due to being off with children before before my maternity government maternity pay kicked in as I had always worked before having the kids. Sorry if this is a bit long winded first post thanks in advance for any replies