Student ...in trouble with bank...need advice!!?

hi im 19 year old student and i was a bit to happy go lucky with my money when i first started uni. iv definitely learnt my lesson as this week i havnt had money for food, my accomodation came out and i went over my overdraft limit.





what id like to know is how do i get myself out of a situation with the bank where they charge me for going over my limit...which leads to going more over my limit...which leads to more charges. its a vicous circle im scared to get stuck into and im not sure that they are justified in charging me?





also please dont tell me to get a job as i am waiting to hear from lots of applications so i am trying!





also with my student account my overdraft which is currently set at £1250 can be extended to £2700 at the most. do you think its wise to ask the bank to extend my overdraft about £200 pound to stop incurring these charges? and will they allow me to given my situation ?





helppppp





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Student ...in trouble with bank...need advice!!?
You need to get out of debt from the bank for starters. They will keep pounding fees on top of you. The best advice I can think of is to take a loan to get your account right. Then, hopefully you can get a job somewhere to pay back the loan. At 19 and no job, a loan may be hard to come by. I would suggest you look into social lending. Check out this site where you can get a loan and a nice 3-year term so you don't have to pay it all back right away, https://secure.lendingclub.com/landing.a... . Free to sign up. so you don't have to worry about a catch. If you sign up and it is not for you, then nothing is lost. Good luck my friend.