Hi everyone, I'm very worried at the moment as I've just found out that we owe approx a thousand pounds to the bank - as this is classed as an unofficial overdraft we are still being charged an extortionate amount and this has now been passed to the arrears department. Can anyone help, I can't pay the thousand pounds in one go, but if I don't find away to get them to stop charging us, we will never be able to pay it off - what should I do? Thanks