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Hi there, Long time no post. I have a Lloyds current account which I don't use - it has 72 pence in it. I have a loan with them that is completely 100% paid up to date and in order which will be paid off fully in 4 months - never missed a payment. Last summer, Lloyds asked me to pay off the current account £300 overdraft ( I think because they could see I don't put money into the account - I pay my loan by transfer from natwest) while I was abroad for 2 months. When I came home, there were nasty letters from scm solicitors etc and messages on my answerphone. I paid them the ove