L
lilyflower
Guest
I am seeking to get a consolidation loan as I have managed to build up quite a lot of credit card debt over several years while partner was sick and out of work. I already have 1 consolidation loan which I pay back 660 euro per month towards however I owe approx 9000 euro on credit cards.At the moment I usually end up paying back at least 500euro towards the credit card debit as the interest rates are quite high. I have tried to get a consolidation loan from both Ulster Bank and Bank of Ireland over the last year but none of the banks seem to be giving consolidation loans at the moment(I also think my credit scoring is poor due to all the credit cared debt).Is my best option to open a credit union account,get some money saved and try and get them to give me a consolidation loan or does anyone have any better ideas?Any advice would be greatly appreciated.