You need to to face facts if you have been turned down for a number of loans in the last few years then you have little chance of getting a Loan with a low intrest Rate which is the point of the consolidation.

If you can get a loan seccured against your house do it, as you credit score by the sounds of it is allready poor. You can sign up for free credit Score check but from what you have descirbed it doesnt not look good

Can you move to % free credit cards ?

Pay of the most expensive % rate debt first

Reduce all outgoings (sky,Mobile, Gym Subsciptions etc)

good luck

Hi all.. was wondering if anyone can help me please?

Im getting worried about my financial situation and just about keeping my head above water with my mortgage, loans and min. card payments.

Im hoping and need to get a loan which will reduce my monthly payments whether it be 5, 7 or even a 10 yr term. I applied for 2/3 loans with different banks about 10 mths ago and was declined. Looking back now it was probably not the best time to apply as the bank werent lending to their best customers due to the recession. Since then I have been late with a few card pmts but everything else i have somehow made on time. I am aware that everyones circumstances are different but was wondering whether anybody knows of any high street banks or supermarket co's that have recently approved such loans for them and would be able help myself. I do own my own property but a secured loan is out of the question and a debt management programme would mess up my credit file for any future borrowing so an unsecured loan is the only option for me.

My situation is getting serious now so would appreciate any help / advice anyone out there could provide.

Thankyou in anticipation.