Ok will give this a try 1st thing tomorrow morning and post here about the outcome

The letter was sent to me on the 11 June 2011. But all post is sent to my home address which i sporadically visit from time to time so i didn't pick up the letter and all other letters from them until Saturday. It states the new OD facility will be instated on the 6th July 2011. If i don't get the OD below the agreed limit £550 then i'll incur and unarranged overdraft interest rate of 18.9% EAR as well as an unarranged overdraft fee.

I'll ring them tomorrow and see what they say. Would it be better for me to go into a branch an speak to someone face to face?

How would i go about doing this?? Do i just ring them up and offer to do this? What can i do they refuse my payment plan, what other options are available to me?

Hi,

I need some advice on my current financial plight. I have an overdraft with Nationwide which up until about 2 months ago was £1050. It was then cut to £550. However i am now into an unauthorised overdraft as my account currently stands at £-617. I was notified of this in writing by the bank however i still wasn't able to reduce the overdraft in time before incurring extra fees/charges

Today i received a phone automated phonecall from them asking for full or part payment to bring the account back into the black within 7 days. I couldn't make out the amount they wanted me to pay as the line was unclear.

Currently i am out of work, left my last job on 15/07/11. I have no savings as they are all tied up in my deposit for my flat. Currently i'm living off £10 that i have in a clean bank account i opened up with Lloyds. I've recently applied to start claiming benefits but don't know how long it'll take before i'm verified.

In addition to the debt with Nationwide i also have bills due in the next few weeks which i will be unable to pay for due to the current state of my account. Rent and Electricity are due in 2 weeks and i'll have no way of paying them unless the matter with my overdraft is resolved.

What steps can i take to resolve this matter?? I don't want bailiffs turning up at my door or get taken to court. I'm just trying to scrape by the best i can.

Hi ,

I'm arrears over council tax that i didn't know i had to pay. I didn't fill in the change in circumstance form at the time i moved into the property which was last July. At the time i moved into the flat i was a student but i dropped out of university in September. Since then I've been living off savings trying to find work and although i did find a part time job in February, but that barely covers the rent and food as i don't get many hours + i've been draining my savings account and am down to the last few hundred which i need for rent. Things get further complicated as i start an apprenticeship in June and shouldn't have to pay Council tax for the forthcoming year.

They are still unaware that i owe them council tax as i haven't contacted them yet. I know I've been stupid in not contacting them sooner but how do i move forward from here without it adversely affecting me?