hi there, i really dont kno wif your situation i the same as i have noted date on post, but i have a rather large overdraft with lloyds and i have agreed numberous payment plans with them and never managed to stick to them being in a similar situation as yourself, i reclaimed back a whack of bank charges form them this year which i intended to clear the overdraft with but its not every day you get free money that you never thought you would get back so with second child on the way i spent it on very useful things instead clearing a few smaller debts and buying a few small treats, anyway i have ever stuck to a payment plan for long and i recently had a letter from lloyds offering me a loan to cover the amount of the overdraft, therefore they were offering to refinance the overdraft into a loan so i coudl pay it off quicker and it woudl be cleared in full. i have declined this offer but it maybe something you want to look into, i declined a i have plenty outgoings as it is ans with the payment plans i am not stuck hard and fast as i woudl be with loan repayments every month that are non  negotiable but if you ant the balance of the overdraft it clearerd this maybe the way to go.

good luck