Need advice

Nicky321

A friend of mine is 25 and in FT employment, she currently has a loan with Barclaycard outstanding balance £4779.66 APR 13.129% paying £205.37 fixed amount, and a credit card with Barclaycard outstanding balance £2659 (credit limit) £2700 APR (not sure) 2 different rates as she borrowed some cash on it paying £65 minimum payment £55.?? She currently has 26 months left on the loan, and paying as she is on the barclaycard its going to take some time to clear. She is currently considering taking out a loan to pay off these debts, but really wants to combine (if its a good move) carry on paying the same £270.00/month or more and clear the debt ASAP. What is the best thing for her to do? Advice greatly appreciated. x

Nicky321

Been refused MBNA, Virgin or Natwest/RBS 0% for 16 months

RAS

In which case making any further application for credit in the next three months will completely wreck her credit rating.

Nicky321

Wonder why? I'm thinking it may have something to do with her only just changing her address, she is single, FT Employment, good payer on debts has a mobile contract. Has had credit cards in the past which have been cleared but shes not sure if the cards have been cancelled. May be a search on credit expert may be worth a go?