How do I attempt to consolidate my debt when I have accounts in arrears and I do not own a property. Yet a budget shows that consolidating all small debt is going to be 80% less monthly spend than the current over committed situation?

The problem is you can get a consolidation loan if you don't have property to secure it to. The problem is that now the banks are taking a bigger risk by giving you the loan.
This means that they will charge you a much higher interest rate. It could be that with a higher interest rate it becomes pointless to consolidate.
Borrowing you the money also depends on your credit rating.

Best is to go and speak to the bank and explain your situation and find out how they can help.

hmm, never thought of that before, maybe I should have a deeper research on financial services.
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