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Can anyone reccommend a UK personal finance company that can help me? Bad Credit but reasonably high income...
I would like to get my debt under control and out of the way once and for all it's about 11k, and I'm really only paying interest off. My income after tax is about 1400 per month. I have a mortgage but don't want a secured loan as I don't want my partner to have to co apply don't worry she knows what I'm doing . I have one default from about 6 months ago which I think is holding me back. As soon as any of the lenders hear I'm a homeowner they only want to sell secured loans to me. Does anyone have experience of a lender who offered them an unsecured loan despite poor credit history for a similar amount?

Can I consolidate fairly new personal finance company accounts?
I have a lot shamefully so of personal finance loans. Is there any way since I did put up houshold items for colateral that I can go through a company to consolidate these, something other than a bank & that is here in the USA? Please no UK....those are scams I'm afraid.