Advice needed

yummymummy08

Hi, I am struggling financially at the moment with debts. I am after some advice regarding loans to consolidate the debts, and advice on where to go if my credit rating isn't brilliant

Thanks in advance

paddyrg

Don't do it - consolidation is shuffling, not a solution. Instead, head over the Debt-free Wannabe board where you'll get a lot of good support from others in the same position.

If your credit rating is anything South of awesome, you'll find it very hard to get any kind of loan from a reputable lender, so there's only the sub-prime ones who will be expensive, possibly more even than your current lenders.

DCFC79

As paddy says consolidation isn't dealing with the issue bu just shuffling it. You wont learn from your mistakes if you consolidate.

AJMY

Hi, before you do anything please look up credit unions on this site and have a chat with your local one. Ethical, sound money management advice and they are owned by the members.

Give it a go. They helped me.

Adrian