Finances

Currently I am in a bit of debt with a loan and a cc and some bills I need to pay and I have been trying to consolidate into one payment>. Long story short I had a small default on my credit file which I spent a few hundred dollars clearing. Now while this has cleared and the bank can see this I am having trouble to get a loan because I have no savings. I have no savings as I have been trying to pay off the credit card and trying to make ends meet on bills which this loan will cover. I can make the payments and they suggest I save for 3 months then re apply, which is just not going to happen, I am going to keep digging a hole trying to get out. I have a full time job now, money is looking up, my mind set is in a better place with better choices being made and my budget with this loan would allow me to have so much off my shoulders and give me the chance to save. Without it I wont be able to get anywhere and save anything. My car is also on the way out and has weeks if not days left  . My partner who wasn’t helping financially now is (and cannot combine his income with mine and go for a loan atm) So I guess what I am asking is, Is there anywhere out there that will consolidate for me that take into account that I can make the payments easily and not look at the savings history on my account, look at my overall situation. Its stressing me out big time and I need some help. I have been to the bank and their advisors and they say the same thing. I am worried Ill drown in this.  Also I do not want nasty answers. If you have no positive reinforcement and help then don’t comment x Thankyou in advance for the lovely people willing to help me.