Yeah I have a joint account with a current account with Lloyds. My wage goes into J/A and we split the money each month with what we have left over when bills gone out etc to spend on travel expenses etc. I mean I can't remember the last time I used the RBS account, the interest has just pushed it tithe limit. Nightmare!! Last thing I want is the charges to spiral out of control and then the bailiffs coming round!

Not yet. Went to the limit on Friday but what I'm worried about is interest then the charges that follow...just had a little girl so money is tight. Cannot afford to put the money in to cover interest let alone the charges. Would the bank freeze the account until I can get some money to put in? Or are banks not as nice as that? Ha.

So am I in the Brown stuff re:paying this money back?

Hello all. I really hope I can get some advice.I have an overdraft with the RBS for 1700 and I'm at that limit now. I was wondering where I stood with writing to the bank with a CCA letter. If someone could properly explain the CCA letter that would be a great help also. I've tried reading about this in other forums bit to say I'm confused is an understatement!! If they cannot locate the paperwork I signed to authorise this overdraft (I honestly cannot remember signing anything) does that mean I don't have to pay the money back? Very confused and worried at the minute. Don't have the money to pay it back as my wage goes into a joint account with my partner. This account is quite old and the overdraft has mainly ran up with interest. Any help would be very much appreciated!!! Thanks Matt