Unsecured Loans: Which is the best company to deal with

jazzy0606

I wish to consolidate my loans and outstanding debt. I wish to borrow about £15k. My credit history is not very good. I can comfortably pay out £350-£400/month towards the loan. I am meeting my bills right now but have nothing left to survive on for the rest of the month. Please help. Can you recommend a company that is fair on interest and not a con etc..

CLAPTON

if you have a poor credit record then it's unlikely that any company will lend you 15k

what do your credit record say
how much is your current debt
how much do you earn

jazzy0606

My debt is close to 15k. Not sure what credit history says. Have few late payments on it and NO CCJs or defaults etc.

I earn Net Income of 1460/month.

CLAPTON

you seem to earn about 22k pa

lenders would view your borrowing 15k as having a total debt of 30k ; even though you know you will be paying off the existing debts there is no guarentee that you will actually do so

I would say there is zero chance of anyone lending you any more than your currentl (high ) level of debt on simple affordability grounds.

it may be you could try to reduce the interest you are paying by piecemeal changes e.g. a 0% BT CC and transfer the highest APR debt there.

you may wish to post over on the debt free wannabe board; lots of support and advice there