HSBC Flexiloan

gizfizz

Hi everyone I'm a newbie trying sort out mine and my partners finances (oh joy!) i wanted a bit of advice about my hsbc flexiloan, its £3500 and i never seem to be actually paying it back-always taking the money back out again tut tut! so i was thinking about getting a 'normal' loan out to pay it back. I'm only 20 (21 in august) and its only £3500 so is it worth doing this or not as ive noticed interest rates are higher for low amounts and also my age is probably a problem. i would appreciate anyones advice, should i leave as is and try to be stricter with not taking the money back out, wait til august when ill be 21, add some other stuff in to make the loan up to 5000 to get a better rate or what?? lol i have an o/d of £250 on my account, £350 on joint account and £2000 on my partners account so could pay off these with it. the repayment is currently £140 a month + £11.73 for dreaded ppi (ive looked and it says i have to cancel the loan if i want to cancel the ppi) thank you in advance!!