www.iva.co.uk

the solution is unsecured loan but have tried and am unable to get one

Hi morag and welcome to the forum

Are you saying that you think the answer to your debt problems is taking out another loan? This may not be the best solution for you - so do take some professional advice with regard to options.

If you can post some brief details of your debts and disposable income, one of the experts may be able to help.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Agree with Melanie on this. Consolidation may not be your best bet. Contact 2-3 companies (the ones on this site are all good) and discuss your options with an expert, or alternatively post some more details on your individual circumstances and we will do our best to guide you.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

If you have a property be very careful about secured loans. I to was unable to take out an unsecured loan but was offered a secured loan instead. Biggest mistake I ever made taking it out. Only served to put off my debt issues for 1 year and made my debts higher. Also if a lender is refusing you an unsecured loan and this is due to existing debt levels now would be a good time to asses the debts you already have by looking at alternative solutions to consolidation.