I had a student bank account wIth natwest which has an over draft and a credit card. The overdraft is owing and the credit card is within its limit but natwest wanted to whole payment. A lot of the balance is charges! My graduate account was automatically changed into a graduate account even though I hadn't graduated (my studies took longer as I was ill) At the start of 2011 I went to natwest inquiring about a graduate loan. I wanted 10k to pay for rent, buy furniture and a car. I'd been living in Kent with my partner and we were relocating to my home town. The guy at the bank said this doesn't sound like enough and I should consider 15k. He also told me that paying back a larger amount looks better if apply for a mortgage. I stupidly was excited by this prospect and took the 15k loan. I had a conditional offer of employment that they took as evidence of income to pay it back. I eventually got this good job and was paying back the full amount every month. Until I fell really ill with a long term condition and heart condition etc. I entered into a payment plan which I was paying. Then for NO reason at all my account was mistakenly sent their collections department. Natwest admitted it was mistakenly sent there but while it was there I couldn't make a payment. It took them months to get it back from collections. During which they counted the late payments and my payment plan ticked away. They wouldn't let me enter another plan as I'd had one for 12 months. They harassed me, sent me 4 or 5 letters a day and called me all the time. I eventually had a seizure the day they sent me letters about lawyers etc. I have entered a debt management plan with step change and the most of my £150 payment goes to the loan They send me letters regarding my secured mortgage. Which is loan obviously isn't. I had nothing to secure it against! I have loads of defaults on my credit file because of this, which was immaculate before this loan. What can I do?! I really feel like they messed up but don't know where to start. Any help would be GREATLY appreciated.