Answer: -Bad credit is one of the worst problems to have... however there exists a solution.I will hereby talk from my personal experience.I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,a good place to start in my humble opinion is a straight to the point ebook with question and answer I found : http://umgarticles.atspace.com/debt-cons... if it helps kindly remember me in your voting. -Why dont you google that - as I don tknow if we can give u details on here as its advertising. Im am very sure someone will give you credit, all be at a high interest rate. -I dont know but the most popular one is "YES" car credit, as far as i know as long as you are in employment they can arrange a car for you, obviously as with any bad credit finance company you end up paying over the odds but as i well know beggers cant be choosers and paying the repayments for an extra year or two is better than not getting anything in the first place!! hope you find one, take care. -I'm sure the UK is the same as Can or the US. With a bad history you will not get favorable credit rates and probably pay the highest . If you can complete the car contract it will be a plus next time. -You CAN get a decent car loan, even with bad or no credit. I've done it, but you'll have to look around. Shop around with lenders who specialize in bad credit car loans.There are usually some nationally based car loan companies who specialize in bad and no credit car loans who advertise on the page linked below.