I want a Loan to Consolidate my Debts

I want a loan to consolidate the debts, but I can't get a loan.

I' ve got 1,000 pounds to spare from a loan with Natwest. Approximately £1700 over 3 major international bank accounts, a £500 bank draft on my NatWest bank accounts and a £300 bank draft on my Halifax bank accounts. I don't like the fact that I have several monthly installments, several different acceptance giro installments, and while I could make more installments, I only ever make the minimal installments on the incoming payment card, I need the cash for later in the year.

So, I'm just about just the payment of interest off and the balance itself isn't diminishing. I am currently making about 170 per pound per months in refunds, which is only a minimal payment. About £3500 I wanted to take out a loan to consolidate all my debts. £70 per months over 5 years.

There would have given me additional revenue each and every months (I'm currently looking after moving into my own flat so that £100 Extra a months would be very useful). This would also mean that my monthly repayments would actually pay off the debts, while most of them are just minimal repayments at the time.

Also, I wanted to be able to shut down my Halifax and NatWest account to make things more manageable in general. There may have been one or two opportunities where a acceptance giro may have been delayed by one months, but the account was updated within the next months.

I' m actually working for a banking firm and wouldn't have got the gig if I had a poor loan. Since I used to sign up for the loan control department, I've seen my reviews, so there's nothing on it that I may not know. Initially I had a Halifax bankaccount where I had an £300 debit and a 500 pound debit line with a total of around £430.

Then I got a gig at a firm of RBS and had to open a NatWest bank to get my salaries in. £2750, now down to £1000 with no payment later or missed, and a £950 cash card basis with a balance of approximately £900 and a £500 oversdraft.

Then I went to work in the same business, but for Lloyds I had to open a Lloyds bankroll again to deposit my pay. To all three of them I contacted them and told them that it was for consolidating the debts, and that would be my only wrong.

I don't even get an £300 overshoot from someone atloyds ( who keeps me busy) so I can get my Halifax overshoot (for which I'm currently spending 15 a months although I don't do anything else with the account) and shut the bankroll. Are you sure it's that hard to get uncovered loans these days? No.

So I keep listening about folks who have a lot more loan cart indebtedness etc than me who goes out and gets auto credits or loan for holiday. ýI appreciate that my only option is to try and be tough and put as much money away each month as I can and try and just foot the bill to get rid of the individual payment cards, but they make it so simple to just pay just the minimum I know I'm struggling to do it.