I am so glad that I read the reviews with regards to Wentworth as I nearly sent them a cheque this morning. I also have made the mistake of calling CFD at the premium rate, and now feel that I have just thrown money away on that call again.

I have been offered a loan with Ocean Finance but not for the full amount I would like, so I am a bit hesitant as I would like to consolidate everything and they are charging 22% APR.

Does anyone know anything about Debt Management companies, I have been approached by a few and though they sound very good I'm concerned I will be black listed and will never be able to receive credit again.

Does anyone know anything about these companies?

Or where else can I get an unsecured loan from.

Thanks.