we ' re real sticklers for details D <| sep |> aww yuusss incoming message ! <| sep |> That could mostly just be summed up as Toonforce , not an actual feat . <| sep |> white manThis is necessary in the title why ? <| sep |> My partner was fucked with gem too and an overdraft with kiwi bank , I ended up telling her to leave kiwi bank and consolidate with ANZ . She was on 28 % interest and is now on 89 % and she ' s successfully paying it off now . I ' m not an expert or anything but go to another bank and have a meeting with one of their advisors , talk about the situation and see if you can get a low interest rate loan and pay off all your debts straight away with that , immediately shut down all of you other accounts with the previous banksloansharks and start paying off that lower interest rate loan . It won ' t get rid of your debt straight away but it will make it a heck of a lot easier to pay off . Thats from personal experience .