Lloyds TSB / APEX

wondawoman87

I took out a loan in 2006 with lloydstsb when i was a student, main reasons were for debt consolidation. The monthly repayments were ridiculous and i struggled to keep up, and went into my student overdraft and maxed out a 200 pounds credit card limit.
Lloyds chased me for the repayments and whist I was still a student I lumped everything together in to a refinanced loan, and lost my interest free student overdraft facility.
Again I struggled to pay the monthly fees and set up an arrangemnt to pay but failed to keep up with this again being a student on a low income!
I was really shocked to see the interest which had accumulated, as I don't know why but I believed I wasn't being charged interest, and now even after all the payments I have made cover 80% of the money borrowed I am stuck!
Since last year I have been in touch with apex credit management who in my experience have been a lot easier to deal with than Lloyds, as I have graduated and my income has increased I have been making payments, every month.
The problem I have is my credit report, this loan is the only blot on the report but it is affecting my ability to rent a property, get a phone contract etc even though I have a good job and a regular income etc. (I am not in a position to get a guarantor or anything like that)
I don't understand why the loan appears with Lloyds on my credit report and says the balance is still at £2900 when have been making payments to apex. These do not show up and therefore to anyone looking at my credit report they can't see that i am making an effort and keeping up with the payments.
From what I've read on here apex can be pretty nasty so I'm not sure I want to rock the boat with them but what can I do?
Trying to get anything from Loyds is like getting blood from a stone, I need any advice here as I really would like to get my credit report sorted!