I was in the same situation for the past while too.
One step I took was to shift my CC balance over to a new CC with a 6 month 0% balance transfer (AIB Gold card in this case but Ulster Bank Zinc is another option). This gives you 6 months to pay off other debts without having to pay anything you owe on the CC. In my own case I pay a percentage of what is owed off that card every month and I do not use it for any purchases (as you will be charged the full interest rate on purchases, its only 0% for balance transfers).
On other notes, do your damndest to try to stop spending on anything you don't need (I know its obvious but still)! Cut out the drinks, fags, nights out and as much as you can until such time as you are starting to climb back into positive territory on your current account. I still have an overdraught on my account but its there for unexpected costs (which is what put me into overdraught territory in the first place). Try and figure out what you are paying out per month and work out some sort of budget.
While you don't have to wear a hairshirt all the time its just a matter of doing the best you can to stay within what you can afford (and knowing what you can afford too).
The SSIA is probably more a drain on your resources at the minute than a benefit. Once you are back in positive territory though make sure to put it back up to the top again.
I'm sure there will be other suggestions too. The CC is one way of putting of giving you breathign space but you need to take control of it and work it out properly. There was a suggestion by someone here about using the money off your CC to pay off your overdraught and then transferring the balance to another card thus putting you back in the black and allowing you to pay off the CC at 0% over the 6 months. If you have the self-control its one idea but its a bit risky if you are in the habit of spending money because its there (I'm not saying you are by the way just a general comment).
Anyway perhaps some of that may be of help.