Hi all, i'm hoping that someone might be able to give me some advice on above...foolishly Ive accrued some personal debt due to a gambling problem up to 3000 euro in an overdraft and a credit card debt of 4000 euro...I also have a personal loan with my local credit union for 7000 euro..I am currently getting help for my problem as well. I am currently working earning net 1800 euro approx. each month, I don't have a mortgage( council house)..and my phone and transport are currently (company van) from my employer hence no expense there..my rent is 365 per month and my loan to credit union is approximately 200 euro per month. I wanted to to get an extra loan to cover the above debt from the credit union and brought in all the documentation but on my bank statements are betting transactions which they asked me to clarify what they are...im basically asking if I clarify what they are now will it come badly against me in terms of getting credit now and more importantly in the future?. Also as my credit card and overdraft are with Bank of Ireland is theyre a possibility if I approached them would they consolidate the total into a loan?..My credit history I would consider to be very good...Id really appreciate if anyone can advise me on the above ...thanking you all..