No, basically I got a credit card when I was 18 and used it very foolishly over the subsequent years, and the bank kept raising the credit limit on it without asking (I believe this practice is now banned). So I ended up with £13,100 of credit card debt and £1,750 of overdraft debt.
At the end of January this year, I called my bank to try and get a personal loan to consolidate those debts (doubtless people will say that I should've shopped around, but as you'll see, that wouldn't have worked). I was on the phone with them for an hour and 18 minutes, it was a gruelling experience. As expected, they asked me a bunch of questions about my income and outgoings, which since they were my bank, they were able to verify themselves by looking at transactions on my accounts. I told them the loan was to consolidate the credit card and overdraft debts, and so they plugged all the information into their crappy computer system, which said that they should charge me a 22% interest rate (a lot shittier than I expected, given their website says 10% - but still lower than what the rate was on my credit card) but that I could only afford repayments of £157 a month!
It was at this point that the fact that it was my bank came in handy. I told the bloke on the phone that he could see just by looking that that was wrong, because I was already paying £300 a month on the credit card and £31 on overdraft fees. Eventually I persuaded him to actually talk to the underwriters, instead of relying on the computer, and apparently they then had to get a senior underwriter involved, but at the end of it I came out with a loan for the full amount, repayable over a term of 84 months. They did insist on some conditions though. One was that they would pay off the credit card themselves straight away and then close the account (which I had expected) and the other was that my overdraft would be reduced to £50 (which I hadn't expected, but there wasn't much choice for me except to accept it). My credit card is now gone and my bank account is in the black for the first time in years (and remains so every month, although it does go down to near zero each time). There is also a student loan, but because I am below the earnings limit, I can just keep deferring that each year.
Net result: I will be effectively debt-free in 7 years' time. But I don't really want to wait 7 years to start dating; I'll be 40 by that time, and it seems like at that age I'd be even more "past it" than I am now.
As for the moving situation, that's because my current rental contract was a joint tenancy contract which ends at the end of May, and my housemates want to move out, so I have no option but to move out as well (otherwise I'd be liable for the whole rent on this house, which would be more than my monthly salary), so any money that is "spare" at the moment is going to have to go towards paying deposits and fees and stuff related to that.
However the situation should stabilise once I am in a new place since I should eventually get back the deposit from my current place which will balance it back out again.