Help reducing/managing loan repayment!

IsabelleMedusa

Help reducing/managing loan repayment!
I am looking to manage my finance in a better way, I am convinced it can be done
Took:
August 2003 = £10,000 loan with IF and have £5,400 left to pay, current repayment is £175/month
November 2003 = £9,000 flexible loan with Cahoot and have £7,600 left to pay, current repayment £154/month
They are both over 6 years
I believe my credit rating to be good.
Before taking these loans I had used the 0% transfer from Virgin, Smile, and Egg
I was thinking of taking a credit card like Amex and transfer as much as possible onto it.
Does it make sense? If so , is it possible? And if not any other suggestions? These are really cripling me and suggestions/advice would be so much appreciated.
Thanks
IsabelleMedusa

CLAPTON

If you're struggling to pay the monthly amounts I would suggest you post a Statement of Accounts (SoA) here so people can provide better informed advice.
I offer a suitable format below.

In addition for each loan can you say:
monthly payment, number of payments remaining and have you asked the loan companies how much to pay the loan off.
also is there PPI (payment protection insurance on the loans
presumably you have no cc borrowing?

If you browse the bulletin board you will see examples but the general format is

: statement of income:

: statement of expenditure
this should be quite detailed but excluding debt repayment
: a subtotal to save us all having to add it up

: statement of all debts including
outstanding amount, monthly repayment , APR
a subtotal of the total debt and of the total repayments, to save us having to add it up

also add a brief details of your situation, partner, any children, rent or own property, value of house and mortgage, any special circumstances that are relevant