Apparently,i managed to get into my online banking today(i have never used it before)...and my account started going overdrawn at the 5th august....today i cancelled my direct debits(as to try minimise more charges)...i am now in the process of writing to each individual....of my financial circumstances...(i work between 26&30 hrs p.w..have 2 dependants of 19 & 23..both on j.s.a...i feel so despaired right now..like i,m in a bottomless pit..please help...

The bank in question is lloyds t.s.b,of which i have been a loyal customer since the 1980,s....i have morgage,loan and credit card with them... any help appreciated....

Hi,So Sorry for the delays in replying,i am as new to internet/computers as i am battling my debts..lol...(or maybe i shouldnt).lol..that is....am finding it a bit hard feeling my way round the site,but please bear with me...i actually spoke to somebody at nationaldebtline and got some advice on how to deal with debt and bailiffs....just waiting for paperwork from them now..

Hi,I,m new to this site,and looking for advice,i have bank charges totalling £1000 plus a the moment,i have an agreed o/d of 250.00,and as i have no money going in at the moment,my d.d are geting returned and i am getting charged..i am in a vicious circle as i have no money going in,but the bank keep adding charges for fun!!...how can i get out of this?..any help appreciated..or point me in the right direction please...

Hi,is there anyone can give me a bit of advice please,i am new to the internet,and newer to this site.(which is awesome)..My son took a car out with welcome finance,late last year,he then got laid off in the new year,he still has the car..has tried giving it back in the past as he cannot make payment,but never heard anything from welcome...all of a sudden,2 guys knock on my door asking to speak with my son,and said they have come to collect the car!!...where does he stand with this??...any help appreciated...