Hi Guy, sorry for the short message above but i was tying to post since yesterday night and was facing problem in posting my problem. Now i will come to the main issue. I took a loan from Natwest in oct 2005 and was making regular payment through instalments. I paid them £253.38 for 28 months when i got into severe debts problems and couldn't afford pay anymore instalments. i approached the debt advisor and she start communicating with the bank and they didn't listen but finally the asked me pay them £16 a month for a short time, but that payment they didn't accept for my loan but the overdraf