After speaking to a number of homeowner clients who have been advised by a well known debt advice charity to NEVER consolidate any debts into their mortgage I thought I would put something out there from the clients point of view - or at least the clients I have spoken to about why they may want to consider clearing bad debt and starting a fresh. Based on my conversations with numerous people, I get the impression that the charities advising clients never to consolidate debts that they think clients enjoy both the stigma that goes…

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