Give a copy of your income/expenditure statement to each of your creditors and back it up with a letter explaining the situation... The potential cost of switching between lenders is created by the knowledge that an existing lender has of the borrower... http://www.1steploans.co.uk/loans
Only these lenders have access to all the information held by the agencies, including details of missed payments and defaults... And remember you can only be sent to prison for non-payment of debts such as tax and maintenance, and then only if you have the means to pay but choose not to... http://www.loans-companies-uk.co.uk/loans
Online web sites will tell you the cheapest providers in your area, based on current usage... Normally, those in regular employment would have documentary evidence of their income and would not need to self-declare... Sometimes we can even get a discount or a 'free' gift if we sign a credit or loan agreement immediately... http://www.homeowner-loan-for-all.co.uk/loans