hello,

i currently have high levels of debt which i want to clear off but i need advice from anyone who is in my situation or have been through it.

i have 2 loans and 2 heavy credit cards at the moment.

hsbc- 156 pm

barclaycard loans 292pm

credit card 65pm

credit card 40pm

i would say in total i have about 21k in debt according to experian. i pay all my debts on time and i havent missed any payments at all ever but i after paying for everything i am left with little money to spend each month and now im getting to the point where i cant sleep or eat....

i earn 1200 per month and after all expenses to pay off the cards im left with about 250 for petrol insurance and normal maintenance.

i want to approach for finance and reconsolidate the 2 loans i have so its more affordable for me but because of all this credit crunch and recession im having difficulties finding a loan,

i pay all the debts on time and all i ask for is to consolidate it to one payment as the most expensive loan i have is the barclaycard one. they are charging me 21% interest rate.

why cant companies see that i am a genuine payer and just give me a loan? i spoke to a broker and they said i should maybe go down the routes of IVA.

i really dont understand? what would the loan company rather have? IVA customer or someone that will pay on time but has high level of debt?

i havent approached any lenders because i have to be careful with my searches, does anyone know who which lender i could go to and have more chance of getting an acceptance?

i appreciate if anyone can help me and put my misery to rest.