I would urge caution with the credit card route. Borrowing at 0% interest is on one level hard to fault even allowing for the balance transfer fee. It is good that you were accepted by Egg - I feared you would be declined. My interpretation of the situation is that you are on the verge of money problems but it hasn't yet manifested itself on your credit bureau records so I assume you have not missed any of your bills or credit payments - this is good news. With the 0% deal you need to be confident that the balance you put on the card can be paid off during the interest free period. Provided you put no spending on the card all the rpaymnets you make will go to reducing the debt. However remember that at the end of the 0% period you will then incur a much higher rate of interest (although possibly not much different to your authorisd overdraft rate). You could then transfer this balance to another 0% deal but should some adverse history show on your bureau data e.g. you miss some bills in the interveneing period, you may find it difficult to get another 0% deal.

Have you tried extending the authorised overdraft limit? Ths will at least avoid the unauthorised overdraft charges which are an absolute killer.

also have you tried getting a refund on your charges in light of the campaign run by various consumer groups to reclaim charges? thsi could be worth a go (albeit try and agree an extention to the pverdraft limit before you take this action!).