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I owe Lloyds TSB 215 pounds in charges


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i owe Lloyds tsb 215 pounds in charges on my student account (I have a 1500 pounds overdraft limit which i went over by a few hundred pounds)


these charges have been automatically added to my balance and now i am over my overdraft limit- i have as of yet not paid these charges back


my question-

is it possible for me to arrange some kind of system where i pay by installments as they are asking for me to pay this money back now and i simply can't afford to pay it all back at once?


ps. i'm guessing i could possibly reclaim these charges but would prefer not to because i have handled my account irresponsibly

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you could be the most irresponsible person in the world and it is irrelevant, claim them back they are unlawful and you can go back 6 years, are they the only charges you have had on the account?

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