Help /Advice Tackling Debt

Jambels14

Hi,
Can anyone advise/help?

I have 3 debts which I have been trying to clear over the past couple of years.
I am in a better financial situation to pay them off as now in paid employment and no longer a student and my partner is now in paid employment after being made redundant.

However I am really struggling to get loans to clear the debts to help consolidate the amount and pay more off quicker.

My debts - PRA started £5029 now £3856 default 29/04/14, Halifax Started £3499 now £2376 default on 04/02/13 and one I didn't realise I had was Santander £1425.

I am worrying what will happen when it gets to 6 years.

My credit scoring is very low.

Any advice on what I should do next or how to become debt free?

Many Thanks

Willing2Learn

Have you tried applying for a money transfer card? Try a 'soft' eligibility checker first.

Edit: And welcome to the forum

[Deleted User]

Visit the DFW boards below. They will help you look at your finances and clear the debt more quickly.

Jambels14

I have applied for credit cards and loans and get declined.

Jambels14

sorry where do I find the DFW boards?

Willing2Learn

Jambels14 wrote: »

sorry where do I find the DFW boards?

https://forums.moneysavingexpert.com/forumdisplay.php?f=76

[Deleted User]

Two boards below this one.

https://forums.moneysavingexpert.com/forumdisplay.php?f=76

DCFC79

Jambels14 wrote: »

I have applied for credit cards and loans and get declined.

That suggests to me you need to forget consolidation and reduce your spending elsewhere so you have more money to pay the debts off.


Your credit score is only seen by yourself, your credit history is what lenders see.