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I am owning an amount on a barclay credit card and also have a barclay loan. i am thinking of getting another loan with a better interest rate and then pay off the card and the loan so i can consolidate the two debts into a monthly payment that is lower than what i am paying now.is this something that people have done with any success? whats the best way to go about it? i do not want to get caught in any debt consolidation scams that i have heard about.any advise/suggestions/web links would be grateful.thanks

I have lots of debts all over the place and have asked for similar advice many times before and unfortunatley each time i am told that consolidation is bad! try speaking with national debtline, they will discuss your personal situation and give you nice advice that you can understand.