Answer: -Get a job versus high interest loan. You need to end the bad credit. Say no to credit cards/loans. -The provident are quite easy about lending money they send someone around you home each week to collect i thought the hsbc were quite easy going anyway my latest credit card is 360 money i love it like pay as you go. -I thought Vanquis would give a card to anyone. Sounds like you got ripped off with the loan fees.Sounds to me that you are in a bit of trouble and perhaps credit is not what you need at the moment, you might not get out of the debt.