Cheers for that I shall call them today!

Dont know if this is of any help for you but I worked in NW lending until recently.

First thing to do is to ring NW via the telephone banking team and ask for a borrowing review. You will be put through to one of two places. If you go through to the telephone advisors then theres a good chance that they will be able to lump everything in together for you and keep your payments under control (this is decided on an internal credit rating) if not (or you are put through to customer lending) then the bank will offer you a consolidation loan for your debts with NW. Essentially your current loan and overdraft will be lumped together and (hopefully) result in lower payments.

With a £1700 OD you will be paying around £25 a month in interest alone! (NW od rate is 17.9%) if you can get it lumped into the loan it will end up costing a whole heap less!

I was wondering if anyone had any tips for me.

I have a loan with my bank, Nat West for outstanding at £4,500, roughly about £250 p/m I am paying. I also have a large overdraft with them, currently at £1,700. I am working full time and have a good salary but have had problems managing my money in the past, hence the situation I am in now. I have previouolsy missed a few payments on my credit cards in the past (around 3-4years ago), which have all been cleared now, but I still have two store cards outstanding totalling £380. I have never missed a payment on these and pay the minimum amount on them. I want to clear the overdraft I have, along with the store cards and my outstanding loan with Nat West.

Previously I have not had a great credit rating but have worked hard lately to rectify it. Does anyone know if Nat West have any help for people like me who wish to clear thier debts? Or should I go to another bank and ask them? I know there is a credit crunch going on but I do want to clear what I have and still have a little life!

Any help would be great. Cheers.