Bank charges hardship letter anyone?

[HinnyPet]

Does anyone know what circumstances hardship is to the banks?
We are in a terrible mess. More going out in charges than is coming in

Hi, I would have a look on which magazine online, and also martin lewis website, moneysavingexpert.com, there should be advise and template letters. HTH

Thank you, I have looked on the MSE website lots but I find it so confusing
I wonder if there's a guide for people like me!

FFS.

I am so miserable.

I have just had to borrow money from kids savings to pay into HSBC bank or our accounts will be frozen as we have not paid in sufficient funds.

I really could sob and sob.