Halifax bank advice ?

i don't know as there's other factors like how long have you been at that amount for? has the rate always been that over the term? is part of the amount you owe agreed? you really should be in contact with your bank about this. perhaps have a personal review. there has to be other options for you as this high rate is going to be an absolute pain to pay off. if you're open and honest with your bank and stay in contact they're more willing to be lenient with you.