Resolved Question: there has to be an way to borrow money with bad credit?

I currently have a debt of about £15,000 total. This is split with £11,000 on a personal loan and £4000 on a credit card. The personal loan I am paying off each month no problem and will be clear in 4 years, but the credit card I can only afford to pay the interest each month, so the loan amount never goes down. To try to sort this out I applied to have a consolidation load to cover both, but I was refused. It seems to me the banks refusal to give me this loan forces me to pay them back more money, and keeps me in debt with them for longher - I thought there were laws in place to stop this kind of thing? Is there anything I can do or anyone I can complain to?

In case it matters this was all with HSBC

Thanks in advance for any help.

Resolved Question: there has to be an way to borrow money with bad credit?

My girlfriend and I make more than enough money to cover our current bills. problem is I have a bad debt history and its all coming back to haunt me. A number of companies whom I owe money to (not a lot... a combined amount of only a few thousand dollars) have taken the liberty to help themselves to my bank account (how they can do this im not sure) and now im behind on my rent, no groceries. no options pretty much.

Now its not like ive been ignoring my debt... infact ive been trying to pay it all off but it takes time and deciding who gets money is a tough call and it always seems if i make one company happy i piss off another one...

anyway i think my best option would be to consolidate these debts so I can make just one payment a month and keep everyone happy... however with bad credit no debt consolidation places will lend me money (why would you need a debt loan if u have good credit?)

there has to be someone out there who will take the chance and help me out? any ideas??

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