Help With Overdraft Debt in the UK

Are you stuck in your overdraft and can’t get out? Overdrafts were designed for short-term use — but many people end up using them as part of their monthly income. With high fees, interest, and constant pressure from the bank, overdraft debt can quickly become overwhelming. But there is a way out — and we’re here to help.

Why Overdrafts Are So Hard to Clear

Banks charge daily or monthly fees just for using your overdraft — even if you’re only slightly overdrawn. Interest rates of 40% or more are not uncommon, and once you rely on it to pay bills or survive the month, it becomes a trap.

• You’re charged interest every month, even if you don’t spend more
• Going over your limit triggers unarranged overdraft fees
• It impacts your credit file and financial stability
• You may face collection letters or account closure

Can I Include My Overdraft in a Debt Solution?

Yes. Overdrafts are considered unsecured debts — meaning they can be included in solutions like:

• IVA (Individual Voluntary Arrangement) – One monthly payment, freeze interest, and write off remaining debt after 5 years
• Debt Management Plan (DMP) – Reduce overdraft repayments based on your budget
• Debt Relief Order (DRO) – If you’re on low income and have less than £30,000 total debt

We’ll help you include the overdraft along with any credit cards, loans, or payday debt you may have.

What If I’m Being Chased By My Bank?

Banks like HSBC, Lloyds, NatWest, or Barclays may send overdraft debt to collection agencies if your account is closed or defaulted. These debts can also be sold to third-party collectors such as Link Financial or Lowell Financial.

We’ll stop all contact from creditors once your plan is in place. You don’t need to deal with them alone.

Can I Keep My Bank Account If I Go Into a Debt Plan?

If your overdraft is included in a debt solution, you may need to switch to a new basic bank account — one without an overdraft. This prevents further charges and gives you a fresh start without surprise deductions.

We’ll guide you through opening a safe account and managing your money moving forward.

Other Debts You Can Combine With Overdrafts

We help people combine overdrafts with other types of debt every day, including:

• Credit card debt
• Personal loans
• Catalogue debt
• Payday loans
• Council tax arrears

Instead of juggling 5–10 payments, you’ll make one payment each month, based on what you can afford — not what creditors demand.

Why Choose Fresh Start Debt Support?

• ✅ Fast, free support with no obligation
• ✅ Friendly and confidential service
• ✅ We deal with your creditors — you don’t have to
• ✅ Trusted by people across the UK
• ✅ Rated for clarity, honesty and support

Don’t let your overdraft control your life. We’ll help you break free — with clear, expert guidance at every step.