Sorry, I'm sure I'm going to be the bearer of bad news. The credit industry is tightening rapidly and getting worse on a daily basis. People who have a good to excellent profile are sruggling at the moment, although I'n not saying that they are not being accepted.
6, 12, 24 months ago, bad credit wouldn't have been such a big issue, as there were lenders on the market, still lending, and pretty much throwing money at people. Thse times have now gone.
Adverse lenders have tightened their belts, pulled out of the market or shut up shop completely. There are still however adverse lenders out there, which if accepted are offering rates upto and including 60%, some pose interest rates of 177%. But the term adverse is to be use a lot more lightly than in previous years. Ie, recent high value ccj's would pretty much be a decline.
Depending on the adverse credit you have, you may be in a situation where you may not be able to get a loan on the current market. You also need to be aware the more you are searching, the lower your credit search will become, increasing the risk of a decline.
I guess you may find yourself asking is there another way around the situation you are currently in? You are right to be wary of compaines that charge, as they may not offer a loan, but a debt management service, to which thier argument would be that you have paid a fee and they have offered a financial product of some sort.