hi all

for the first time in my life i am struggling to make ends meet, i have 4 personal loans and 3 credit cards i pay a total of about £800 per month the total of debt is about £30,000. i have a mortgage of £125,000 and have a £15,000 loan secured on the property with the property being woth £140,000 i have no equity. up untill this month my credit score was 995 excellent but now is showing very poor as my personal debt is very high.i am self employed with income of about £28,000 per annum my wife works full time on £28,000 per annum and also has personal debt of about £30,000 but still has a excellant credit score. i was looking for advice on were to go for a long term unsecured personal loan as i have no equity and now a bad credit score and that would decrease my payments

Thank you

With that amount of debt you are noting doing yourself any favours borrowing further, you really need profeshional debt advice, ask the cab for their contact details they will be fully honest.

Spend less. Repay more.

It ain't ^h^h^h^h^h^h^h%^h it is as easy as newtonian rocket science. 58K income? interest on an 125K mortgage? You can afford it. It's your choice. Spend 9-18 months knuckling down and doing what you know you need to do or spend 9 - 18 years with the stress of ignoring reality and giving away all your income in interest payments.