Thanks PCB! I am really very grateful for your sympathies. You guessed it right that I didn't check my statements all this time coz of the accident. And as you mentioned that it was an unforeseeable incident, so had no arrangements with the bank to forwardin' any statements to Dubai. My authorized overdraft limit was £250 (Interest Free) & the monthly fees were £17. This monthly fee was taken from my account every month for 6 months leavin' my account in an unauthorized overdraft. The last transaction I made from my account was on 2nd of June 2008 before leavin' for Dubai. I didn't use my debit card, cheque, etc. It was merely the monthly fee which has left me in this very exceptional state.

Hello! I opened a current account with Lloyds TSB in Nov 05, which was eventually upgraded to platinum plus. All was good before June 08. Thats where the problem comes, I left UK to spend sometime with family in Dubai leavin' my account £245 overdrawn in June 08. The overdraft was interest free so I didn't worry coz I was to return before 1st of July 08. Sadly, I had an accident leavin' me on bed for almost a year, durin' this time my resident visa expired. I had to reapply the visa & as you know it was a lengthy process, just got my hands on the visa last month. There was a monthly fee for the platinum account which kept goin' out of the account for almost 6 months takin' my account in an unplanned overdraft. Now I am worried about what will happen to me as I had only this account. My history would've been ruined by now, I guess. And I learnt that bank is goin' to charge me £6000. I am really in trouble. Can anyone help? I'd be highly grateful.

Hello! I opened a current account with Lloyds TSB in Nov 05, which was eventually upgraded to platinum plus. All was good before June 08. Thats where the problem comes, I left UK to spend sometime with family in Dubai leavin' my account £245 overdrawn in June 08. The overdraft was interest free so I didn't worry coz I was to return before 1st of July 08. Sadly, I had an accident leavin' me on bed for almost a year, durin' this time my resident visa expired. I had to reapply the visa & as you know it was a lengthy process, just got my hands on the visa last month. There was a monthly fee for the platinum account which kept goin' out of the account for almost 6 months takin' my account in an unplanned overdraft. Now I am worried about what will happen to me as I had only this account. My history would've been ruined by now, I guess. And I learnt that bank is goin' to charge me £6000. I am really in trouble. Can anyone help? I'd be highly grateful.