Loan help - advice?

To cut a long story short I got into a bit of debt - around 13k mark.

Now im looking for a loan of around 15k to pay everything off and have one monthly payment.

Im 24 - work - been with my bank for 23 years - they wont give me one.

My score is not good.

So for now ive gone with a debt management company which is helping a bit.

Ive looked in most places (I am in the UK) and wondering if anyone else has been in the same place as me.

I dont want to be with Debt management anymore, I want to sort this for myself.

Thanks

Loan help - advice?

I'm glad you want to want to do it yourself. If you don't have a written budget already, make one. When you do that, you realize exactly where your money is going, and won't be tempted to borrow money anymore. Now, as far as getting out of debt goes, there are two methods most financial advisers recommend. The first method is the %26quot;debt snowball%26quot; method. This is how it works:

* List all debts in ascending order from smallest balance to largest. This is the method's most distinctive feature, in that the order is determined by amount owed, not the rate of interest charged. However, if two debts are very close in amount owed, then the debt with the higher interest rate would be moved above in the list.

* Commit to pay the minimum payment on every debt.

* Determine how much extra can be applied towards the smallest debt.

* Pay the minimum payment plus the extra amount towards that smallest debt until it is paid off.

* Then, add the old minimum payment from the first debt to the extra amount, and apply the new sum to the second smallest debt.

* Repeat until all debts are paid in full.

In theory, by the time the final debts are reached, the extra amount paid toward the larger debts will grow quickly, similar to a snowball rolling downhill gathering more snow (thus the name). The theory works as much on human psychology as it does on finance; by paying the smaller bills first, the individual, couple, or family sees fewer incoming payment requests as more bills are paid off, thus giving the impression that they are making headway towards debt elimination.

The other method is to list debts smallest to largest according to their interest rate and paying off the balances in that order. Everything else is the same as the first method.

The second method tends to be the one that saves you a little more money in the long run, but the debt snowball method let's you see the progress you are making and is less likely to be given up on. For more info, go to the source given.

Loan help - advice?

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Loan help - advice?

A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in 閳ユ笩econd position閳?on a property that already has a mortgage. There are fixed-rate loans, adjustable-rate loans and home equity lines of credit (also known as HELOCs). Fixed-dollar-amount mortgages are the way to go when you need all the money at once. A HELOC is a credit line that can be drawn upon as needed up to the limit of the loan.

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