Hi Guys

Thought I would come on here and ask for some advice before searching in earnest (I have sent an application to UCC who are listed on here)

My credit score is not too great, I have no defaults, CCJs etc etc but I'm looking to refinance all of my debts

I'm looking to borrow £3400 which will cover everything I owe, and I'm looking for payments around £150 a month. Over 4 years that'll allow me an APR of around 50% (not ideal, but it will have to do!) in a few years I should be able to get something cheaper anyhow! I have no one who I can use as a garuntor.

Anyway, I'm wondering what lenders (not brokers who charge upfront) people on here have found and would be able to reccomend?