Hello Tom 1982

I think the best thing you can do is come to an arrangement with the bank to start paying the ovedraft back over a period of time or look for a 0% credit card and pay off your overdraft with it! Why on earth did you decide to take out a pay day advance loan and suddenly decide that you weren't going to pay it back as agreed? Sorry to say this but you shouldn't have taken the pay day loan if you couldn't afford to pay it back! I appreciate you have a young family and times are hard, with the pay day fee and bank charges £233.33 has been wasted which you could have saved!

I hope you get it sorted. It's a lesson learnt I hope!