cahoot interest and info req

bwatt00

Ok need some help or advise on what i should or can do here,i have this loan which i took out years ago a flexible loan with cahoot the interest at the time was pretty good and over the years the interest charged was also good.
But while traveling back in 2004 and i think early 2007 not sure i used to pay money into this and it would also let you take it back out so in theory i was not really letting the total come down,ok this did not happen every month just a few month or more each year,just help pay my house and stuff back home while away.
Yes i know should never have done such a thing but you know i had to or come home early from my travels.
I just checked it out today as been paying into it for a while now and its not coming done much.
I pay approx 191 a month for it and i looked at my last payment and 87 came off that for interest which has went up and up over the years of having this,is that a crazy amount?i think it is thats near half of it on interest each month going to waste.
I also have a virgin card which is on 0% but not for long thats almost up and i also am being offered with sky card 0% for a good 6 months or so,would i be wise to transfer this to them cards or say my barclay card if barclaycard can offer me a 0% deal and is it possible to transfer money from cahoot to a card and pay the 0% instead of what i am doing now,does cahoot allow you moving funds out like that.
I know a loan for all my debits should be the answer and try pay off that way,but what are the loans like at present,also might not be able to do anything with loans at present as paid off my job,dont worry common in my job as work contracts.