Consolidation of credit card, loan & overdraft

strawjazz

Hi
I have a:-
1) Halifax `Mastercard` credit card (12.9% APR) with £1000 outstanding (but with a max permissable credit limit of up to £5800).
2) Halifax loan of £1000 (duration of term 12 months, with £95 monthly repayments).
3) Halifax Ultimate Reward current account with an outstanding overdraft of around £1000 (max permissable limit of £1500). Fees being £15 per month for the o/d facility, and £1 per day for exceeding £300 borrowing (therefore total monthly fees of around £15 + (30 days x £1) = £45.

Total monthly charges for all the above therefore come to around:
£20 (minimum Mastercard payment) + £95 (loan repayment) + £45 (current account overdraft charges). TOTAL CHARGES: £160.

Can anyone give me advice on how to consolidate these so I don`t have to pay so much in charges each month?

Would it be better to pay off the loan and the overdraft with the existing credit card, and therefore have outstanding debt on the card of about £3000?

Could I then do a balance transfer to a 0% credit card provider (although my Experian credit report rating is only "fair" at 795 points)?

Looking forward to your advice.

Thanks.

CLAPTON

are you saying you are in your OD even when your salary is paid in so you are really being charged £45 per month?
if so then use the CC for as much spending as possible so you get rid of the OD and save 45 per month; the extra on the credit card will be about 15 per month (1% of 1,500)

what is the APR of the loan?

what is your income?