im in a spiral of bank charges&need to stop!is there a company that will give me a loan?ive bad cred&sick!?

i am plagued by bank charges which when taken out leaves me with nothing to live on&pay bills etc&then puts me over my overdraught limit&im charged yet again!is there a good company that is willing to give me a loan to pay everything off,even though i(as a result of the bank)now have a bad credit rating&am considered disabled&unable to work?thanks all