is it not possible to cut down on something?
I don't know how you got into that situation, nor do I care much really as it's not my business, but is it possible to organise a meeting with your bank to talk about it? 400 quid is a lot of money, I know. Even if you go in with 40 or 50 quid willing to make a payment, that could help your situation, it might help them see that you ARE trying to pay it off, you just don't have the money to pay it all off at once.
Who knows, maybe they'll allow you to pay it off in installments and hold your balance so that you have a chance to actually live off more then pot noodles.

Also - try to stay calm. I realise you're pissed off at them and all but if you do have a meeting or a phone call with your bank, Don't get mad. It won't help and you'll just feel worse at the end of it all.
EDIT: when you go to the Ombudsman, ask for a copy of a letter to give to the bank to show them you've been to the Ombudsman as an ace up your sleeve. Also, try the CAB. They might be able to help too.

Now go eat some chocolate before I smack you upside the head.
(Poppet some assembly required., Tue 11 Aug 2009, 9:25, 1 reply, 16 years ago)

erm
I have no money for chocolate. So thanks for reminding me about that
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:33, Reply)

fine, ignore the rest of the message where I actually tried to help.
steal your mothers then.

Also.
Don't be so proud that you won't move back into your parents to make things easier. You might hate it and resent it and they might too but I'm sure they'd be willing to help you.
(Poppet some assembly required., Tue 11 Aug 2009, 9:36, Reply)

erm
I am moving back into my mum's to sort myself out.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:39, Reply)

You didn't post that anywhere which is why I suggested it.

(Poppet some assembly required., Tue 11 Aug 2009, 9:43, Reply)