It happens that even consolidation loans cannot fix your financial life, or rather financial troubles. Most likely such a situation is the result of the lack of restraint, seriously bad luck or fortune, inability to find a lender for the consolidation loan or simple inability to cope with the burden in general. Once you feel unable to get your predicament under control, it is about time that you find someone to help you bring your life in order. Such wondrous places do exist and furthermore, most of them are even free of charge. The function of such fabulous entities is debt management.
While there are commercial debt management companies, which will charge you for doing your bidding and organising your payments and creditors; there are plenty of charitable organisations that will gladly do the same job, but will not charge you for it. The governmental website www.gov.uk or www.dmo.gov.uk has a list of such charitable organisations listed under debt management plans, but you can very easily find them through any search engine. One of the first hits will be, for instance, Citizens Advice.
Make an appointment to see an officer from the debt management service, bring all your documentation and paperwork with you. You can not only receive advice there, but get them to organise the whole process of consolidating your debt and managing your payments until you have repaid all your debts, thereby repairing your credit rating and also learning how to successfully make monthly payments without getting into arrears. There is always a good way out, keep that in mind. All you need is patience, a clear head and the pointer in the right direction.