I currently have a debt of about £15,000 total. This is split with £11,000 on a personal loan and £4000 on a credit card. The personal loan I am paying off each month no problem and will be clear in 4 years, but the credit card I can only afford to pay the interest each month, so the loan amount never goes down. To try to sort this out I applied to have a consolidation load to cover both, but I was refused. It seems to me the banks refusal to give me this loan forces me to pay them back more money, and keeps me in debt with them for longher - I thought there were laws in place to stop this kind of thing? Is there anything I can do or anyone I can complain to?

In case it matters this was all with HSBC

Thanks in advance for any help.

Isn't Markey helpful.
There are ways of checking your credit rating. I'm no help here, but the CAB should be able to point you in the right direction.
Have you considered another bank? Problem here is that a loan application or refusal is also added to your rating.
Get you rating, if it includes inaccuracies, dispute them.
Best of luck.

I think you need to sue someone.
Just wait for the government to wipe off your debt, Labour will do that soon for everyone to get the economy rolling again

With the 4k debt, move to another credit card company that is offering 0% interest for the first 12 months. You can just pay off the 4k then and save a fortune in interest payments.

could you not pay your monthly credit card bill with the money you intend to pay the loan off with then a few days later pay the loan, using the remainder credit on the credit card, this will not pay off the card but it will reduce the interest slightly & give you better credit rating after 6 months to try a consolidation loan again ?

They love you just as you are and intend to keep draining you. keep trying other banks for the consolidations loan. Good luck.

So, you have run up debts of £15,000 and one of the debts you can't pay off, yet you expect banks to lend you more money to cover it?

I wouldn't lend you 20p and dare say the banks think the same.

I do not know the reson you have so much debt and it may have been unavoidable, but you can understand why banks and lenders see you as a high risk.