I had a personal loan/Credit card and Overdraft back in 2006 got in to hardship about a year later lost my job all 3 were amalgamated and interest still accrues to this day basically what i took out in 2006 has tripled :0
If i contact the said bank are my opening up a can of worms as i am currently unemployed and the fact it has tripled is way way out of my depth i furnished the bank with Letters of hardship and MABS many times.
You are welcome Jon, and good luck. Just don't despair - nothing is immutable or so intractable that it cannot be resolved.
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