Hi, i have around £7000 of debts that i need to consolodate. Most of this is spread over 2 credit cards and the rest to a few other creditors, but it is the credit cards that are causing me the problems because i am only managing to pay of the interest each month so the debt is never going to clear at this rate.
Im going to speak to a debt consolodation company, but 1st i need some advice please. I am now living at a different address from where my bank and creditors have me registered at (i moved out of my parents, but still recieve all my post from them and still make my payments - i havent tried to run from them, its just such a hassle to change so many addresses). Will this affect me when i wanna consolodate my debt, as i want to register with the consolodation company at my new address as i obviously need to let them know that my costs are much higher now - rent, bills, etc. Or should i say that i still live with my parents so as not to confuse any matters. Thank you very much!
Also, if any one has any other ideas on debt management other than speaking to a debt consolodation company, i would be very grateful for the advice.
I have applied for a few loans from banks, but as i only have a 'fair' credit rating (i made a few late payments on my cards a few months ago) i have been turned down by several.
Cheers
Oh, i also have a student loan of around £9000, i do not need to make any repayments on this as yet, but i dont know if this will affect my credit.
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