I had a club account with Lloyds for a number of years which was always in credit. When I wanted an overdraft they said I had to open a business account which I did in September 2012. They told me I could apply for an overdraft after 3 months, I left it 4 then applied, my website turns over £70,000 per year and the account has never been out of credit. I asked for £5,000 for working capital and they refused saying they had taken my personal account into it and that sometimes I had drawn personal amounts on my business account. Surely this is allowed for businesses, I feel I've been judged unfairly. I never received anything in writing and despite appealing they are completely ignoring me. What do I do next?