Hi Paul,

Thanks for the advice.

Yes my commitments have been fine. I tried to do this with Egg and they said they would cancel my credit card and convert it into a loan at 14.4% APR but wouldn't include any of my other debts as from an underwriting point of view they wouldnt be able to guarantee that I would use this to pay of the other debts and cancel the other credit cards, thus they have to look at it as they are lending me more money and increasing my credit.

Would halifax do the same? I dont want to be in a position where I've got lots of laons as my outgoings will end up being significantly higher! I've one year through a 4 year loan with Cahoot but only 4 months with Citi (and APR is high as well) so I could try Cahoot. As I've already got 3 credit cards isnt unlikely I'd get accepted for any more?

What about some loan brokers, are they any good or would they use same providers like citi, blackhorse, zebra etc?

Regards,
Mark