hi all, i have a couple of outstanding loans that im thinking of consolidating, i dont have a mortgage currently..my boi loans costs €249pm apr 8.4%..my cu loan costs €300pm apr 9.5%..i have €3000 tied up in shares in the cu, overall i have approx €18,000 to repay..ub are apparently offering afixed rate loan at 5.8% providing you switch your account to them ( there a fee of €9 pm for this, but i was told you get €150 for joining ...on €18000, the repayments come to €354pm ..less than iam paying now...Or is it that transparent????...i have €15000 lying idle in my current account, i dont really need it currently, even though i like the security of having it around if i ever need it for "emergencys"..However would it be more financially prudent to clear off some of my debts with it????...Any advice greatly appreciated!!