Lloyds Tsb claiming more money?

[MissBehave]

Hi,

I am new to this site, sany help you can give is most appreciated. I have a bit of a complicated one here.

 

In October of 2008 I think my bank account got over drawn (£300) through my own mistake and I rang them up asking them for help as if I paid it the following month I would then have no money left out of my wages to pay car insurance etc etc. Anyways I rang them up and spoke to some one while my account was still over drawn, the gentleman on the other end of the phone told me that as I got paid a few days later I would have to ring up then to get it sorted. So I rang back on pay day and they said they couldn't do anything as my account was now in credit(!) I phoned back an hour later after withdrawing all of my money and put it back to being overdrawn. Then they told me that they would help and gave me a temporary overdraft of £300, it didn't cover what they had already gone out and I ended up getting charged more. Now three years on this debt has now totalled over £1600 and it has gone to the in house collections. I was origionally paying them £50 per month and then went on sick leave and ended up having less income so offered to pay them £1 per month

 

Anyways heading back to my point and origional question... I have asked there in house debt agency to send me some statements from when I first started to dispute the account. I haven't received them. And I am totally disputing the fact I owe them so much money as if they helped me out when i origionally asked them too it wouldn't have ended up this bad. Although I do accept the origional £300 was my own fault (I thought that I had more money in my account then I had and a PayDay loan came out of my card afterwards).

 

Is there anything I can do or should I just admit defeat and pay all the monies they say I owe?

 

Thanks

[dx100uk]

why dont you SAR them

 

dx

[MissBehave]

thanks dx, will have a look at it and send it off when i get paid