Advice re consolidating

tpxxx

My husband's credit rating is now showing as having no CCJ's - we are looking to consolidate our debts which amount to about £10,000 in an unsecured loan as we are tenants - can anyone recommend finance companies or search facilities to help us find the best rates?

thanks in advance

tpx

[FONT=&quot]Capital One CC - £597.25 – must pay this off - 39.9%![/FONT][FONT=&quot] HSBC Loan - £3052[/FONT][FONT=&quot][/FONT]
[FONT=&quot]NatWest Overdraft - £2,400ish – BUT £700 in charges being returned to me soon WOOHOO!![/FONT]
[FONT=&quot]HSBC Overdraft - £385.36 OD [/FONT][FONT=&quot]20p Piggy Bank started 07.09.07[/FONT]
[FONT=&quot]Official Non Smoker 07.09.07 – money saved = £4.70[/FONT]
[FONT=&quot]Proud to be dealing with my debts[/FONT]

jonesMUFCforever

Where does your salaries get paid into. This bank will give you the most honest answer about your eligibility for loans to pay off your debts.

tpxxx

I don't work as just had a baby and he is a self employed IT contractor, he officially earns a few thousand pounds a year and pays himself the rest in dividends, his actual income is around £35k, he has business and personal banking but we have moved a lot recently with his work and his credit rating is still not great, although the worst has now reached the six year limit (am I making sense?!) His bank have only just given him a debit card after years of cash only

jonesMUFCforever

There is a chance that they will give him a loan if he has now obtained a debit card.
Things are obviously looking up and I would certainly ask the bank for a loan - the worst thing that can happen is they say no.