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You're sitting there one day, off from work due to the stress of your unsecured debts weighing heavily upon your shoulders. Suddenly, in the background noise from the TV you hear a fantastic deal - consolidate your existing debts into 'one easy affordable loan'. You think wow, just what I need to get my debts under control and you get the sales blurb. Sounds great doesn't it? Debt consolidation in the UK is not a new phenomena these days. It's been around a while. Lots of people have...