Hi everyone, can anyone give me some advice please I've been mulling my financial situation over for weeks now and can't seem to come to a decision on what to do.

I have a Mint credit card with a balance of £5800, I have a Halifax One Card with £2077 and a Barclaycard with £920. The Mint card is crippling me as the interest is pretty high, and the Halifax isn't much better. I also have an overdraft which is currently around £1400. I don't know whether to apply for another card to try and cover the overdraft, or to get another card to try and balance transfer Mint or Halifax. I'm not sure if I'll be able to get a card to cover all the Mint though and I don't want to apply for one and not get a high enough credit limit because then I'll be stuck with another card! Any suggestions anyone? I was thinking of going to my Bank to see if I could get a loan to pay off all the cards but thought that as I've got this overdraft they won't be willing to lend me any money? I also have an existing loan with Nothern Rock which is approx £15,000.

Would appreciate someone's opinion/advice.