Loans, Credit and Another Mortgage

So many adverts, so much money on offer. And by money, i mean DEBT.

There are countless companies ou there offerring loans and mortgages to people, omre specifically those with low credit ratings, County Court Judgements, retirees, self-employed people and those that are black-listed.
Many say 'We can guarantee we can give you the loan/mortgage, car credit you need.'

I have one thing to say in return. These people have CCJ's, low credit histories or are black listed because FOR A REASON. They cannot afford to pay back loans they already have. The last thing they need is more bloody debt. So far only two of the many cmpanies with advertisements on the television actually warn you to say more debt may risk your home and you will be paying more money over a long period of time. These companies are making money from other peoples misfortune (most companies do) but they are also inviting people to risk their homes and livelihoods with even more debt.

the answer to solving debt you already have is not more debt. Period.