Hello everyone

I'm new to the community, and hoping someone here can help. I have a £6k debt mainly on credit cards. I recently applied to my bank (hsbc) for a loan to consolidate this over 36 months, but got refused due to my credit score. I was hoping to do this so not only is everything put into one monthly payment lower than my current payments on the individual cards, but also due to struggling to survive on the monthly repayments.

Can anyone suggest a loan company that would be more willing to help? I currently earn £900 a month, and after bills and expenses are paid i have around £200 to myself for the rest of the month. I've recently split up with my partner after 4 1/2 years and not being able to afford to move out, so now trying to grab the bull by the horns and sort this out once and for all.

I have made up a spreadsheet to track all my bills etc and made nearly all cutbacks possible, am slowly quitting smoking (down from 20+ a day to 5-10 a day, still need to work on that), sold my car and bought a cheaper to run car which I do need for work, so no car is not an option.

Anyhelp would be appreciated, and if more info is needed please let me know.

Thanks

Robbie