Absolutely 100% correct. I am flat out applying for new Credit cards with various lenders who are offering 0% on bank transfers. Ulster Bank have approved me but not sure for how much, only 3k i think. An Post are offering 0% and have approved me for 9k but i am still sending them documents. An Post is actually through Avantcard so it will be interesting to see if in fact they give me money to actually pay themselves off. PTSB have also offered me about 7k 0% so i am also sending them off more documents.I'm my eye on you and you're way too clever by half. (That's a joke for those that don't get my humour.) Being serious I am intrigued with how you manged to buy the house and I await your next instalment as I am positive you will mange somehow to get rid of your current self induced pickle. Which I thought was breathtaking in how you achieved it. You remind me a bit of myself and what I did to get on the property ladder. But I'm very confident you're well on your way to solving the Avantcard debt. It's not for the faint hearted though. And it surely will never become a Key Post on how to buy a property quick.
I have also applied to BOI for a Buy to let mortgage for the house , i am sending them off documents also so if they come through it will solve everything.