Help Required

Hello Everyone,

First time poster, long time reader!

I require some advice! I have got myself into a situation, which to be honest is starting to depress me! I have a credit card which is maxed out to the total of £1500 and an overdraft of £1100. I would love nothing more than to be debt free, but dont really know where to start!

I am still metting the minumum payments on my credit card and paying roughly £25 per month on servicing overdfraft, however I just cannot see any light at the end of the tunnel. It is my own fault for getting into this situation, however I just dont know where to start in addressing it!

I have been accepted for a loan of £3000 from my bank, however by the time ive repaid the loan I will have paid back £6000, which I am not overly keen on. I also notice people stating that "Balance Free" Accounts are the way to go, however I applied for the Barclays card recently advertised on here and was only accepted for £800, which evidently is not enough for me to transfer my debts to.

What do you think the best thing to do is? Accept the bank loan and end up paying back double the money ive been loaned? What are my other options?

Thanks in advance.