lightbulb newbie

ok here goes here is the situation im in at the mo!

RBS unsecured loan took out in 2004 - 60 mnth term ends jan 2009
balance £5702.40 repayments £211.20 p/m (no missed payments).

RBS c/c limit £1500 balance £1030 apr 17.4% (no missed payments)
paying the minimum payment was £16 on a balance of £720.

RBS o/d limit £1000 limit reached.

currently been meeting the payments due by using the overdraft (i know stupid) and by using any savings (all gone now)
share a rented house with the following outgoings.
rent £325 p/m
c/tax £82 p/m
gas £28 p/m
elec £10 p/m
w/r £14 p/m
tv £11 p/m
int £13 p/m
fne £25-£ 30

int = internet
w/r= water
fne =phone

so split 50/50 my share is £259 p/m.

total outgoings =£486.20 p/m

had to leave my job due to illness in NOV 05 having been receiving ssp for 12 mnths (6 on full pay 6 on half ) so was able to meet loan payments etc.

currently on incapacity benefit £347 p/m

housing benefit £113.52 p/m

council tax benefit from sept 06-march 07 £145.76

:eek: :eek: :eek: :eek: :eek:

finally got my head out of the sand kicked my own backside (twice ) and got in contact with the CCCS :beer:

my appointment is on the 13 november :T .
should i inform the RBS and ask them to freeze any paymennts/charges or will i let myself in for hassle?.