So you're paying back £275+ a month! The only loan you will get is for debt reconsolidation! When they do a search they will see all the debts and payments so asking to borrow for anything else would get a no. There are companies that will take on the debt but the interest will be >30%, probably higher than the credit cards. However, at £275 per month it will take about 6 years to pay off. Perhaps sending the cards back and trying to freeze interest would be an option. It doesn't always affect your credit rating providing you make the minimum payments. Try one and see what they say?

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