Who will help me?

emski123

Hi, I have debts of around 11k through loans, overdrafts and credit cards, I am looking to consolidate my debt as am paying £450 per month at the moment, unfortunately I have had a court judgement against me however this will be satisfied in the next month as I have finally paid it off. I should really wait six months to see if my credit rating improves i know, however I am really struggling to keep up payments now and need help sooner, a debt management plan or IVA is not an option for me as I work for a financial institution and do not want anything more adverse on my credit file, I already have a loan with welcome (silly I know) and cannot get a guarentour, any suggestions of who will lend me the money?

c00kiemonster_2

When my ccj was marked as satisfied, my rating hardly changed tbh. Im hoping that it now improves when the ccj comes off my file next year.

Sorry I cant advise on anything else tho.

cm

jonesMUFCforever

If your employer won't lend to you IMO you are stuck.
I don't think leaving it 6 months will make any difference.

I think you need to approach your debts from another angle - reduce your spending and pay more to reduce total interest cost.

To start this off I would suggest going over to the Debt free wanabee board with a full statement of affairs.