Hello, I have around 45K worth of credit card debt (on 8 cards). I am currently paying around £1600pcm in credit card payments and about £1400 of this is interest. My financial circumstances have recently changed and I cannot afford to continue to make these payments. I also have 2 mortgages on 2 properties at a total of nearly £500K and the total payments for both of these together are much less than the credit card payments. I have £140K equity in 1 property and £80K equity in the other. I have never missed a mortage or credit card payment to date. But due to my credit cards being almost maxed out (91% according to Experian credit expert) I have been declined a remortgage to consolidate the cards to a new remortgage I am also recently self employed so I need to self certify my income. I don’t want to damage my credit report any further and I would prefer to consolidate or pay these cards in full (at an affordable interest rate) Please can anybody please advise me if I can legally get the credit cards to reduce these extremely high rates of interest without damaging my credit report? Does anyboby know if there is a legitamate company that would offer a secured loan based on my circumstances. (I would obviously be prepared to pay above the standard high street rate by not a stupid rate) If not is there any way I can use some type of debt consolidation plan to repay this at a lower monthly payment without damaging my credit report? Any advice would be gratefully received Thank you for reading. N