The first step is to stop treating the overdraft limit as your balance. Move the salary date and set a target 'true zero' balance you rebuild towards each month.
If the arranged rate is 35–40% EAR, ask the bank about a fixed repayment plan, a lower-rate loan, or a switching offer that includes an interest-free buffer.
Persistent overdraft users have specific protections in the UK — banks must contact you and consider whether the borrowing is causing harm.
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