can't understand why we're refused credit

WebbMac

Hi My bf & I have been browsing Martin's site for a few months, but today I have registered and this is my first post.

We are approx £30k in debt between us, loans & credit cards.
Although we have lived together for 1.5yrs, we do not have a mortgage, we are trying to shift this debt first.
I am on a DMP, and have been for a couple of years. My bf has 2 large personal loans and a credit card, all with his bank, and all of his payments have always been up to date. We do not have any credit in joint names.

We are both self-employed, my bf being the main bread-winner. And I have a Son.

We need a loan. To consolidate some of our smaller bills and debts. We've worked out a loan of £6.5k would free up approx £200 - £300 per month and make day-to-day living much easier, so that we can focus on the bigger problem.

We got copy of my bf's credit file, and there was nothing untoward on it. I accept that self-employment may be an issue. We have tried balance transfers on his credit card with 2 or 3 major lenders and were refused. And now Eskimo Loans have refused us a loan (in his name, we didn't include myself as my credit file is quite poor) I cannot understand why we keep getting refused!

Can anyone out there help? I don't know what to do next! Any advice at all is apreciated.

Beki x