Robbie, do you own your home or rent? If you rent is it council/housing association? I would recommend making yourself bankrupt. Best thing i ever did. Consolidation loans just pile more amount you owe on as far as i am concerned. If i can help just let me know.

Exactly how are you in a position to offer the poster a loan? I googled you:

Proposal:
I would like to introduce my self. I'm called Emma Payne and from the coventry area of West Midlands, im 23 years of age with a family with two young children.

Since leaving school approx 6 years ago i have always had a heart for helping customers, selling products or marketing and always been in these type of roles. After having my second child a year ago i decided to start freelance and get on board a few telesales/tele appointment making/lead generatoring contracts and a handful of staff members also working from home which would work with myself on projects.

You are simply advertising your services as a telesales operator. A commercial cold caller.

For some reason the moderator has not noticed my spam report!

Hi.

Are you still looking for help with the above. Please email me at XXXXXX

Note: This post has been moderated. Please ensure you read the moneysupermarket.com Community Standards and Terms of Service before posting. Thanks

Thanks Skywalker, I was a little late doing the rounds today.

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