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Debt advice from the Citizens Advice Bureau
Panicking over debt problems or ignoring them won't make them go away. Instead, go to the CAB website for some basic advice about debt and simple guidelines for dealing with money problems. There’s also a useful section about the advantages and disadvantages of using a debt management company, which can offer debt consolidation services.
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Debt consolidation
Here is some advice for borrowers considering taking out a debt consolidation loan. As well as working out what you can afford to repay each month, consider the following:

Are you clear in your mind about what debt consolidation is, and what alternative ways there might be of dealing with your debt? Is debt consolidation the best way?

Know the interest rate and APR of the loan, and whether it is variable.

Find out what the overall cost of the loan will be.

What are the monthly repayments?

What is the penalty if you miss a repayment?

If it becomes possible for you to repay the debt early, is there any early repayment penalty?

If your home is to be used as security, what will happen if you miss one or more repayments?

Are there any circumstances under which the repayment rate might change?

If you need advice on debt consolidation or alternatives, consult other Buyer’s Tips on this page.

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