1 loan and 2 cards, best way to consolidate?

shiremonkey

I have a loan with Zopa, currently £3800 left and 2 years to go.

a creditcard with Barclaycard £2500
and a credit card with Tesco £1500

I bank with Natwest.

I initially got the zopa loan to consdolidate but due to other circumstances I had to use the CC's on 0% transfers too. Their 0% terms are now ending...

I was thinking the best course of action would be to consolidate it all with a different loan, possibly tesco, but the MSE loans eligibility thing says 0 chance with tesco for some reason?

I kind of wish i'd made the Zopa loan a longer term one now as I think part of the problem is the payments smother me a little at the moment.

What should I do?

i'm a single dad (non resident parent) trying to get by working 5days and seeing my daughter 3 days a week. The mum gets all benefits AND i still have to pay maintenance.

Feel in a bit of a catch22 as well as i'm pretty sure i could get a better job but having these debts over my head makes it pretty much impossible to spend time studying as I have to continually work to repay it

Caz3121

if you were looking at applying for £7,800 there is no guarantee you will pay off your existing debt so they will look at this as an additional £7,800 to the amount you already have so a total debt of £15,600. Maybe it is affordability that is generating the "0 chance"
Have a look at the debt free board and maybe post up a SOA (details on that thread) there will be many people there that will be able to offer good advice. Consolidation is rarely a good answer as it does not address the reason you are/were spending more than your income

[Deleted User]

You'll need to post details of income and credit histor, but a further loan is probably unlikely, given you already have 9k of debt. Which could be for the best, because as you've found, consolidation tends not to work.

Post on the DFW board and see how you could cut costs to pay off faster. Then perhaps look at a BT card to shift a small amount of the debt.