Hello,
I've made some bad decisions and have some mounting debt issues.

I'm currently spending more on credit card repayments that I'm actually paying off (near as dammit) it's going to take a squillion years to pay off. A relative has suggested I could take a gaurantored loan (with them as guarantor).

Any suggestions as to who to approach about this?

I earn a pretty good salary, but have recently incurred a CCJ through trying to avoid the issue. Which isn't helping my credit.

I reckon I owe around 25k, with monthly card repayments at around £1500 (perhaps a little more). Obviously a loan of that amount over 6 years will cost a lot less!

Any advice appreciated!

Thank you in advanced, Danny