I'm 28, am employed full time and I earn £24,000, with £4000 bonuses per annum.

I live at my fiance's parents house and pay rent of £400 per month.

I need a loan to consolidate my debts. £22000 will cover my credit cards, my partners credit cards, my current loan and my overdraft. I don't know where to turn to get this loan though. Will this credit crunch effect my chances? Do I have much chance of getting a loan?

Any help would be much appreciated.

Thanks.

Hi,

Easiest solution would be to approach your bank and explain what you want to do - they wil know your credit history (to a fashion) so may be more open than going to an "unknown" lender.

Regards,

Adey