gavin.peaker AT hotmail.co.uk thanks

Hi booth

I've seen people in similar situations to this, remember you're not alone! Particurlarly at this time of year when lots of people have overspent at Christmas by using a credit card.

Being rejected for a loan may be one of the best things that could have happened to you though. If you consolidate your debts with a loan in the end you only end up paying more debt as you spread it over a longer period of time and get charged more interest.

I think you should consider debt management or even an IVA. They can reduce your existing monthly repayments with the credit card and HPP companies. With an IVA you can even write off 75% of your debt and it could make you debt free within 5 years or less.

Its worthe bearing in mind that an IVA will show up on your credit file, but if you have already been rejected for a loan you probably dont have a brilliant credit rating anyway. So that shouldnt bother you.

My friend used a company who was really good with him. They are really sympathetic with peoples situations.

Do you have an email and i will send you the details?

Shaun

in need of aliitle advice me and my partner have several credit cards along with things on hpp we moved house over a year ago and are finding it hard to pay the normall things in life we had a credit file done not so long ago as we were refused for a loan with our bank as far as we can see there ar epages after pages of loan applications which we havent done we are know finacially stuck as we carnt seam to get out of this rut and is causing tension in the house hold pls advice us on what we can do thanks are we best tryiong to get a big loan to pay it of or just carray on making the payments each month any advice