Went into the bank to talk about how I might be able to sort out my finances and after chatting over my debts with an adviser I realised by consolidating my existing loan and credit card debts with my wife's, we could decrease our monthly outgoings by almost £100 per month and pay off all the debt in 5 years - much sooner than we would have done just paying the minimum payments on the cards as we had been previously. Nice one ;-)
After completing the application, we got a decision straight away and the money was in my account in seconds. A few phone calls later and the existing debts had been paid off.
Quick and easy application. Money available quickly. Payment holiday
interest rate slightly higher than I would have liked at 12%