Be wary of applying for loans now nutcracker. Each application will have a further adverse effect on your credit rating regardless of if you are accepted or not. It's a crap, unfair system - especially when the best advice from financial institutions is 'shop around'.
Barclays have consolidated for you so you are on the first step of sorting things out. Run your bank account well and hopefully Barclays will reconsider you for a Delta card within 3-6 months.
I know shopping online saves money, but so does setting yourself a strict shopping list & budget and paying cash.
The only thing I can think of to suggest is that Capital One do a 'sub-prime' Visa credit card. Basically you give them £250 and then they will lend it back to you - the interest rate is horrific but if you clear it every month that isn't an issue.
I dunno how helpful that will be for you given you would need to have the £250 upfront, but I wonder if maybe a family member could lend it to you or similar? It's aimed at people trying to rebuild their credit history. I would be mega pissed off if I couldn't shop online; with a chronically ill husband and a small baby, it's vital for me. I am mystified as to why Electron isn't more accepted, or why online payment systems can't be tightened up so that you can't use Maestro if it will take you over your overdraft limit, for example.
Your refinancing loan sounds absolutely horrific. £150/month * 5 years = £9000, £100/month * 10 years = £12,000, as I'm sure you've worked out for yourself Whether or not you can cancel the loan, I would strongly suggest you pop over to The Motley Fool's Dealing With Debt board - they will be able to help you get a proper budget sorted and advise on the best course of action to clear your debts.
i thought high-street banks only offer 5 years loans.
anyway, given the circumstances, perhaps best to accept their offer.
any do only cash supermaket shops. it would will train you to keep to a strict budget. then apply for a debit card in about 6 months and see if they will consider giving you one then. however, the account must be faultless by then.
i suspect the deal itself is not brilliant in terms of the interest you are being charged but at least you are saving 50/month in the short term. and loosing much more in the longer term, but i don't think you can do better at this particular moment in time.
nutcracker i would go and see an independant debt advisor.
they deal daily with situations like this and will be able to help you sort your debts out with the least possible hassle and will be able to recommend somewhere to get a lower interest loan (hopefully)... my aunt has just done this and it has really helped