So my credit rating is really really bad.

In the last 6 months I have been rejected for 3 overdrafts and 2 credit cards.

I owe about £3000 and on top of that I keep getting charged different sorts of interest which is just eating the money I am trying to pay off.

I want something like where I can put all debt on 1 credit card and pay 1 monthly amount without getting charged much but how can I do this is I cant get a credit card???

Please help.
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