Hi James.

I think you will find it extremely difficult or even impossible to obtain a loan in your current circumstances. The fact that you haven't made a loan repayment for 6 months will mean you will have at least 1 default registered against you. This coupled with the fact that you are in arrears elsewhere will make it highly unlikely that even lenders specialising in helping customers with adverse credit will give you a loan.

If you contact the Citizens Advice Bureau they will go through an income and expenditure form with you and contact your creditors to try and arrange reduced payments and freeze the interest.

Once you have cleared your arrears, if you keep paying on time, in time, your credit rating will improve slowly and you will be in a better position to obtain credit.

Good luck