For some people consolidating their debts with a loan is a good way of lowering your monthly payments and allowing you to manage your debt by spreading the payments out over a longer period of time. 

This would be dependent on the level of debt you are currently in and your current credit status. 

If you owe more than £15,000 it is unlikely consolidation would be a good way forward especially if the loan is secured against your property as secured loans are a very expensive way of borrowing.

Note that spreading payments out over a longer period will increase the interest you pay back.  It is also essential that the monthly payments are affordable and that further lines of credit are not used to support the loan.