Having an adverse credit history no longer means you have to wait for a loan. In some cases, consolidating your debts and starting fresh can help people with an adverse history. We talk to thousands of people each year who have had problems paying back debts that they owe, if you are having problems and worried about where to turn we can help put you in touch with a debt management specialist – this doesn't mean declaring you bankrupt, it means a qualified, caring advisor will help you take control of your finances, what ever your adverse past.