Hi, I'm looking for advice regarding debt and a possible remortgage. My credit score is horrific due to debts accrued by my ex and also myself, I have a few different debts and 1 CCJ, all in all the debt comes to £8,000. I'm hoping someone can help. I have a small mortgage just less than £40,000 but my home is worth £250,000. I need a new roof and would love to be able to pay off the debt. I did ask my mortgage company if I could remortgage and was told no because of my credit score. I am hoping someone could advise as to what I could try next. I was hoping as I have a lot of equity in the home that I can remortgage even though my credit is useless. I am aware I'm in a mess, please no bashing and I would be very grateful for any advice, thanks in advance.