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Debt consolidation UK
Q. I'm looking for some advice please regarding consolidating credit card debts... I have a "few" cards with a significant amount of cash outstanding on them (circa 17k)... problem is, I've been a lil 'naughty' with the repayments of late as I've not had sufficient disposable income to settle all monthly statements as they arrive... I'm sure you know the score here, rob Peter to pay Paul one month, next month swap over, that kinda thing... Anyway, my predicament is this, I need to reduce my montly outgoings to a more managable figure, but, due to my Peter and Paul scenario above, I know my credit rating is next to useless... Does anyone know of lending companies that can offer unsecured loans with reasonable interest rates where the prospective client has been over optimistic in the past with regard to monthly repayment affordability?
A. >I'm looking for some advice please regarding consolidating credit card >debts... Try 'snowballing' - http://www.fool.co.uk/news/foolseyeview/2001/fev010904c.htm >Does anyone know of lending companies that can offer >unsecured loans with *reasonable* interest rates where the prospective >client has been over optimistic in the past with regard to monthly repayment >affordability? There's loads of information on tackling debt (and unsecured loans) here - http://www.fool.co.uk/debt/debt.htm Be aware that, to quote, "It's estimated that about 80% of people who take out a consolidation loan go on to run up further debts" previous messages regarding unsecured loans - http://www.fool.co.uk/search/query.htm?mbbid=50079&mbbnm=Dealing+with... The discussion boards are a superb (and well used) place to get information.
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