fair enough i will look into it next year. Thanks for the comments everyone, im going to ring the triton tomorrow and see what they say.

Just finished my second year. I had a friend who got something from the hardship fund, but was in the region of about £100, and although thats a good amount of money, it wouldrnt of helped me towards any of this debt. So if i was to ring triton and arrange for a payment plan, they would not ask for much? I been reading online abut them and it seems to be the opposite of what people are saying lol

First off id like to say thanks in advance for any advise which anyone can give me! Ok so basically, ive just finished my second year at uni. When i applied for students loans/grants/student account in my first year, i was approved the loans as well as my student account with natwest and was refused the grants, as at the time i was living with my grandparents, and the reason they gave me for refusing them was because my grandparents were not my 'legal guardians'. The loans were a great help, as well as the overdraft, but they barely covered my rent, so i had to look elsewhere for help. I ended up taking out 2 more student accounts with overdrafts. I ended up using them both up throughout the year, and continued using my natwest as my main account. Now at the end of my second year, i have had both abbey and RBS on my back wanting there money back which is fair enough, BUT rbs have called me on many occasions and i have simply let it rang. Anyways is got to a point now where Abbey are now charging me for being 'overdrawn' and RBS have sent my details to there debt collection service 'Triton'. Triton have gave me 5 days to reply to the letter by phone, but i simply cannot pay ANY of the debt back at the moment. Ive tried my best to look for summer jobs but as many know, its very hard at the moment. All im really asking today is advise on what to do next, i.e. do i ring them and explain the situation and hope they have a heart? lol or anything else? trust me any advise is good advise for me at the moment. Thanks again.