Sick with worry over finances

[SomeoneSomewhere21]

This will be a long one sorry but trying to give all the info. Been awake most of night worrying over financial mess and physically sick with worry.

We have debts which I’ve been trying to manage so started a DMP with stepchange a year ago. Been paying £89 per month towards loans, card and overdraft which after recent review went down to £57 per month.

Woke up yesterday morning and without any warning at all bank have removed the £900 overdraft. Right now account is £500 overdrawn and they won’t honour the council tax due tomorrow and other direct debits.

Spent hour on phone to bank and although they eventually conceded they failed to notify us (no text, email or online document- possibly a letter by post we have not received) they will not reinstate the overdraft. I logged a complaint but they can’t say when I’ll hear back.

WTF do I do now? What are the chances they’ll reinstate the overdraft? I have about £20 to last me until the 21st.
I need at least £350 to clear the DD’s and get us through the next 10 days but I have literally £20 to my name. Credit cards closed as I was advised to when took out DMP. No chance of getting any other loan and not advisable.
I guess I could then close the joint account and the £550 would just sit there being cleared by the DMP?

My head is a mess, I’ll contact the council and recipients of other DD’s tomorrow to say we have no way of paying them but this’ll surely screw up credit rating even more? Am I missing some obvious answer here? Can the bank just remove overdraft overnight with no warning?
All bank offered was possibility of giving us a £50 hardship Fund payment but I have to go to main a branch and it’s at their discretion so I’d have to take morning off work to go to bank with no guarantee.

Thank you, I just feel ashamed that I thought I did everything right and still in this situation. I work bloody hard too and so does my husband and we’re still struggling each month.

I’ve had a DMP for a year and have been making payments to clear off the overdraft for all that time (plus a loan and credit card). The only thing that changed recently was that I completed the annual review and the payments to the overdraft changed by a tiny amount. Without any warning at all (which I managed to get the bank to admit) they cancelled the overdraft overnight.

Thanks everyone and sorry can’t reply to you all individually, internet slow.

Council tax issue solved now as family member helped and this months due amount has been paid and I’ve notified them online and by email.

I sold an old watch for £20 and that’s all I have to sell.

The bank were very well aware of my situation through multiple calls and letters when I started the DMP. They were also contacted recently when the payment amount changed by a tiny amount. I had no notification overdraft facility would be taken away, only discovered yesterday (by chance really) when I logged on to online banking.

Anyway it’s been a very long stressful day but thank you all for your advice which I have taken on board and I will check out debt charity mentioned.