Hi,

I am looking to consolidate my debts into one loan. I have £9,375 of outstanding debt (not including bank overdraft) over two loans and 3 credit cards. I pay £350 a month on these. (Providers - Cahoot, Citi for loans and Halifax, Egg, Cap 1 for credit cards). I have a less than average credit history although comes out as fair on experian credit score and needs improvement on equifax.

I also have a seperate loan for £16k which my parents got for me through barclays and £2.5k on HSBC credit card but am not looking to include these as 1. Barclays is through parents at 6.6%APR and HSBC is an interest free balance transfer that runs until end 2007. I really need to reduce my monthly outgoing as will moving into rented accomodation soon (currently living with parents) and as I'm paying minimum on credit cards I really want to get rid of these.

Apart from Citi and Blackhorse is there any other loan provider that would consider lending me this money, I know thist might be unlikely as they would consider it as lending me more money on top of my existing debt rather than consolidation??

Regards,
Mark