I took out a loan with beneficial finance about 5-6 years ago. I bought a car that got written off by an insured driver so had nothing to show for it! I had a couple of credit cards with barclaycard and capital one. unfortnatley, I went through a silly phase for 4 years, caned the cards and havent made any repayments for abour 4 years on the loan or c/c's. I need to sort this out now I have grown up and realised what i have done. I have got a credit agreement with welcome for my car which i have had for a year with no problems. The loan and c/c amount to approx £6k. I owe approx £9k on the car but not that worried as I have been paying this regular since agreement started. What is the best way to consolidate all the payments into one? Pref incl the car payment. I don't want to go down an iva or bankrupt route as i now have a good job earning a half decent wage. I want to be able to get credit/mortgage in a couple of years so important to me to sort it all out.
i no longer have the cards, the only thing i am spending on is the payments back to to car people!
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