Right, here's the story: my girlfriend went to university last year (October 2007 - Mayish 2008). She has a student account with NatWest, who said it would be interest-free overdraft as student life can be hard and such. Anyway, yesterday she was suddenly charged £30 on her overdraft of £1250 (max'ed out). She'd "loaned" (as if she'll ever get it back) more than half of that amount to her parents/sisters, thinking that - seeing as she she was told it was interest-free - it would be fairly easy to pay it back once she got a job after her first year at university. She didn't get a job, as employers like experience more than personality etc etc (whatever the reason, she definitely tried and is trying). And I lost mine (strangely enough, through no fault of my own). So basically, I am looking for people with advice/experience in this matter. NatWest said she needs to pay "something" into the account (but we have nothing - quite literally) "today" (Thursday) - when she said she couldn't, there was no other answer or advice from the bank's side. They said they will take her to court if she doesn't pay up. She asked what would happen if she paid half of it (not that she/we can): they said "it would be beneficial". Right... - so we're pretty much mentally preparing for court now. Like I said, any advice/experience.... much appreciated. I've heard of debt/court stories where there was a payment plan decided between the "defendant", the court and the bank/creditor - I'm hoping this will be the same kind of court case. But, for the third time, I'm looking for as much advice and help as possible (apart from calling the Citizens' Advice Bureau, as that will happen on Monday). I realise she went "wrong", but as most of it went to her fairly bullying/guilt-tripping family I can't blame her. I know it's the bank's (well, non-existant, really) money, but still... I am angry at the bank too. So... anyone ever been taken to court by a bank? Any debt issues resolved? Spill it out and make us feel better before we end up in a murder-suicide; I'd be post-mortumally pissed off if I ended up on the front page of The Sun!