Congrats @LifeofRiley super job.
A couple of tips, if you’ll allow me.
Firstly, consolidation often ends up doubling the debt of folk who aren’t wary of it. It’s very difficult to borrow your way out of debt, but getting it on a 0% is the best start. Although I’d advocate a low overdraft limit, so you’re not charged by companies if you make a small error and inadvertently bounce a DD (Monzo won’t charge, but companies will, and possibly record something on your credit file) choose a manageable £50 or £100 overdraft limit and reduce your overdraft facility to this. Then you won’t get into a situation where you get back down to your full overdraft usage AS WELL AS your consolidation.
If you’re paying minimum payments on the CC, consider adding £1 – your credit file will be looked at less favourably if you just seem to be paying minimum amounts every month. Adding just £1 will make sure that particular flag isn’t applied every month to your file. Remember it’s best to divide up the balance into monthly amounts that will pay the balance off by the end of the deal.
Also, on the CC, don’t spend on the same card as your deal. You’ll find interest gets complicated if you’re not paying back your full balance every month. If you need a CC, for the Section 75 benefit for example, think about a different one with a small limit, and cut up the 0% card so you’re not tempted to use it again.
But well done on getting your debt under control. For every pound you stay in the black it’s money in your pocket, because it’s the opposite of my mantra of “if you borrow money today you’ll have less to spend tomorrow”.