self-cert remortgage with poor credit score-stuffed?

COOKIEWILLOW

Hi will keep it brief. think i know the answer anyhow! hubby self employed for just 9 months, in last year we are late with payments on cc and other bills due to irregular money coming in so credit score is LOW. Mortgage however has always been paid on time by my part time job. So looking to remortgage to obvious clear debts. House worth £120,000 (not a massive amount i know), mortgage balance is £30,000 so quite a bit of equity, looking to borrow £30,000 which would clear everything plus a few home improvements, when hubby enquired to our lender (bank of scotland), online the next thing we know is we have having phonecalls and emails off CRYSTAL CLEAR home loans, does this mean that our lender has not wanted to know? It is as well the worst possible time to find a deal even if you got a perfect score with regular money so are we wasting our time? Has anyone heard of Crystal Clear? These home loans frighten me, as i have heard some frightening stories on here. I do think no one will touch us yet a mortgage for £60,000 will still be manageable. Any ideas would be most greatfully received. thank you