I need a loan to consolidate my credit cards.

I have some credit card debt and I need to consolidate it. I moved into my house 1 year ago and the people who lived there before me had a very bad credit and I still recieve bills for them. I am looking for a loan of £7000 and spread over 7 years. The problem is that I have been declined by my bank because I’ve got two overdraft bank charges due to a credit card debit payment. I have applied to Nationwide but they have also declined my application. I recently applied for other credit cards to get me out of trouble quickly. Two of these have accepted my application. The debt is currently spread across 4 different credit cards. I have one other loan but I don’t want to consolidate this one since it has a low interst rate. I am a manager of a very well known company and earn circa 20k. Please give me some advice.

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