Vakıfbank Overdraft and Installments Leave Me Unable to Cover Basic Living Expenses

I have monthly installments of ₺36,770.46 and ₺51,501.24 with VakıfBank. Additionally, due to the regular deduction of these installments from my overdraft account, my overdraft balance is currently -₺97,000. With another deduction of ₺51,501 scheduled for January 17, my overdraft balance will reach -₺148,000. My current available balance is -₺8,339, and after the January 17 deduction, it will be around -₺60,000. In this situation, how will my family and I afford food and basic necessities? How will I pay the rent and utility bills? My monthly salary, including the recent increase, is ₺59,029.92, yet not a single penny remains in my pocket due to these payments. I cannot sustain my livelihood. Despite repeatedly appealing to VakıfBank for assistance, I have received multiple rejections from branches, and no steps have been taken. I am left with absolutely nothing, not even enough to buy chewing gum. I am committed to repaying my debts, provided that I am offered some payment relief. My request is that these payments be consolidated under a single debt structure and that I am provided with manageable payment terms.