Most of the large brokers offering second charge mortgages have panels of between seven and 15 lenders from which they offer loan... You may not get credit in the future if you stall repayments for too long... You might be asked to put your home up as security for a loan... In our UK consumer survey a large proportion of those who took out loan did so to pay off consolidated debts... http://www.loans-company-uk.co.uk/loans
You might pass with one lender but not with another... An affinity card issuer often donates a portion of the annual fees or charges to the sponsoring organization, or qualifies you for free travel or other bonuses... http://www.1stepfinance.co.uk/loans