Hi I dont understand banks.....

Sheep933

Thanks guys, I spoke to borrowing at natwest and the guy was very helpfull he said as long as the account is active and funded they would have no reason to withdraw the overdraft, unless you break the terms and conditions of the account.

I have had recent cuts at work and its made me very paranoid about my money, otherwise i wouldnt have givin my overdraft a second thought.

Thanks piglet39 what you have said about living in your overdraft for 3-4 years makes me feel better. Im going to start putting 10/20 away to put towards the overdraft.

The guy from natwest also said i should consider re financing my current loan and pay the overdraft and credit card off and have one monthly repayment, He said paying the monthly interest is "dead" money. Going to leave it a few months and look into it.