Jalexa: Chopstick: Obviously, we're 3 weeks into the process so credit checks will be showing - and presumably showing as turned down - No, the "footprint" is a record of a search, not a record of failure. That said it would be money well spent to find out just how many searches HSBC has made during the process as you are ...

tt lady: I'm only guessing the reasons but I could understand why lenders aren't willing to lend for consolidation of credit cards. They will think that you will end up with both credit cards and the loan in a couple of years - if you look on some of the other forums you will find lots of people who are in that position - which makes ...

Thanks for the prompt reply. Our combined salary is £45k so no worries on that aspect. I just struggle with what the problem is - we would be cutting our outgoings by consolidating and are 'happy' that we understand the risks of securing against property etc - but this appears to be our best hope by cutting out the monthly ...

Hi all Quick background. We own our house outright following a critical illness payout (at which time the FA at HSBC advised us to pay the mortgage off - which we did). We have recently decided to do some debt consolidation and a mortgage for home improvements (improve don't move and all that) and applied to HSBC (whom we have ...

Hi all We wish to consolidate all our borrowing into one payment and wondered what people would suggest as being the best way forward. We have circa £40k to refinance and are mortgage free following a critical illness policy payout. Obviously with the amount being over £25k it would be secured but would welcome any input as to the ...

We've just got out of our contract with Can'tTalkWon'tTalk and totally agree with the ridiculous 'security' process that is the bank name. Still, what else can we expect from TT.