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I currently have a debt of about £15,000 total. this is split with £11,000 on a personal loan and £4000 on a credit card. the personal loan i am paying off each month no problem and will be clear in 4 years, but the credit card i can only afford to pay the interest each month, so the loan amount never goes down. to try to sort this out i applied to have a consolidation load to cover both, but i was refused. it seems to me the banks refusal to give me this loan forces me to pay them back more money, and keeps me in debt with them for longher - i thought there were laws in place to stop this kind of thing? is there anything i can do or anyone i can complain to?in case it matters this was all with hsbcthanks in advance for any help.

Is not markey helpful.there are ways of checking your credit rating. i am no help here, but the cab should be able to point you in the right direction. have you considered another bank? problem here is that a loan application or refusal is also added to your rating.get you rating, if it includes inaccuracies, dispute them.best of luck.