Hello,

I have been a long time viewer of these forums, however have never felt the need to sign up to them. I have always managed my money fairly well, but recently have started renting my first home with my long term partner, and over the 6 months of rented bliss, we have both crept further and further into my account. The problem stemmed from me being certain I was going to get a payrise but unfortunately it didn't happen, and then we had an incident with the car which needed sorting.

Really I don't fully understand the options that are available to me. I have run through the usual steps of trying to get a 0% interest credit card and moving the amount over to there, however it seems because I have been in my overdraft on and off for a few years that I cant be accepted. At least that is what I was told by my bank (HSBC). I have read about speaking to the bank about it, but is this actually worth it? What steps do they take to deal with this?

Currently I take home £405 a week, and have worked out with all outgoings (Rent/car/hoursehold bills/food) I am left with £55 of that. My partner is left with a similar amount. I am in my overdraft as of Friday by £3200, with my rent/car payment this will drop to the 4k mark. The Overdraft fee is around £50 a month.

At the moment I just don't see a way out of it. There is no light at the end of the tunnel so to speak. My partner has gotten over a long stint of suffering with severe anxiety, the house was a massive massive move and we have been incredibly happy up until this point. I wake up feeling sick to my stomach and cannot focus on anything else. I know they perhaps seem like trivial debts to some folk on here, but for us it is a big thing.

Any help is massively appreciated.

JB