Thanks for that Bandit, much appreciated.

will do and thanks

Thanks Rob. Just waiting for them to contact me again so I can state that all further communications need to be in writing

Hi Dx I'm pretty sure the last transaction (me putting money in) was over 6 months ago. There has been two direct debits (totaling £25) still being taken out. Thanks

Have no idea. Don't think its a huge amount though. Total they claim £2700. Maybe £200 in charges. Was going to ask this when they contacted me again.

Have overdraft with Natwest that I cannot afford to repay. Had phone call with them threatening to pass the account over to their collections department. This is not something that worries me (credit smashed to pieces already due to repossession a few years ago). Just wondering if once it has been passed to their collection department is it then possible to offer a nominal amount (from family member) as a settlement figure, I'm looking at 50-60%. Any info would be appreciated