Borrowers who do not conform to the standard criteria of mainstream lenders, either because they are not in regular employment (or are self-employed) or they have some adverse credit history, may have more limited options... loan for important lifestyle items are equally important... These are, therefore, better described as refinancing than as consolidation... http://www.loans-companies-uk.co.uk/loans
If your existing cards are from major high street banks, the chances are that you could get a significantly lower rate elsewhere... We talk you through the process and what to expect... The FSA will be limiting cold-calling for regulated mortgage products unless there is an established customer relationship and the consumer has indicated that they want such approaches... http://www.loans-in-uk.co.uk/loans