Need advice on Overdraft

K4ylee

Hi Folks,

I've been hanging around here for ages, but now I've finally came to terms with the fact that my debt isn't miraculously gonna disappear overnight .. I have officially had my 'lightbulb moment' and now I need some support and very valued advice.

Account #1 OD = £2500
Account #2 OD = £7500
CC = £2500

I have 2 overdrafts and a credit card with the same bank (Bank of Scotland), my salary is paid into one account each month and the other account is a joint account (OH was paying salary into this account but lost his job in Nov) I now pay £100 into account #2 each month but then withdraw later on in the month), all the household bills come out of account #1.

My question is.. do I move my salary to another bank and pay off the overdrafts by a deposit each month (will the bank let me do this or will they ask for the whole lot to be paid back immediately when they realise there's no big deposits going in?)

I really hope you guys have some good advice for me..

Thanks, x