Debt help- sos

Misscf

Hi,
A few months back I got into the habit of taking out a couple of payday loans.
I lost my job and wasn't able to pay them back.
I ignored them.
I now have a job, I would be able to afford paying them all back if they were all in one lump some.
However because of the number of different ones, I can't afford to pay them all back separately.
I have defaulted on some of the loans and my credit score has dropped.
I am struggling to find a loan to help me consolidate them - I can't ask for a guarantor as I don't have any one to ask.
I also don't have any assets, so no loan against a car or home is possible

Any advice on where to look for a consolidation loan

[Deleted User]

You won't get a loan, so forget about that.

You need to make a repayment plan in place. Go to the DFW board for advice on cutting costs and getting out of this hole.

foxy-stoat

You wont get a loan to consolidate them so forget that.

Pay backas much as you can to the highest interest rate loan first then the next once you have cleared it, or the loan with the lowest balance. Make sure you can make the minimum payments on all of them whist you do.

As you have already defaulted, your credit file will be toast for 4-6 years.