that's terrible that the credit card company wont help - is there any way that you could check out getting a loan to consolidate all your debt into one lower payment?? I know that some of these loans are secured on your home but if you are at risk of losing it anyway then where's the harm and if you know you can manage the payments better I can't see it being an issue....

This is something that I would definately consider if i landed in a situation like this, keep checking this website for advice or ask one of the experts to recommend a reputable company!!

Iv learned loads of here so far as im 27 and had some debt before i got my house, i got approved for a mortgage and an unsecured loan but can't get a joint account with my partner and his credit score is excellent!

If your credit score is good then you should be able to benefit from better interest rates on a loan - let me know how you get on and chin up!

x x