Credit card and loan shuffle!

taylorguy2016

Hi all, hoping for some simple advice though appreciate I don't think there's a huge amount to be saved here;
I've got a few credit cards and a couple of loans, details as follows;
Figures on the loans are settlement figures btw
Halifax Loan - £8600 3% (£163 pm)
First direct loan £9600 5.9% (£159pm)
All credit cards on 0%
Virgin credit card £2800 (8k available)
Halifax credit card £3000 (4k available)
What I'd like to try and do (if possible) is shuffle around some of the debt to try and get the loans on 0% and start clearing more off them.
I have a few options available as I applied for a couple of new cards to give me some options
Halifax CC 0% balance transfer 22 months @ 2% fee (limit £9750)
MBNA 0% money transfer 18 months (limit £7700) @ 3% fee
My virgin credit card which has the highest limit does tend to give me new offers but at the moment it's only about 14 months and 4% fee. My thought was to shift that balance onto the new Halifax CC and wait to see if they give any longer offers. But before I started to do the shuffle I just wanted to see if anyone out there has any good suggestions. I earn a good salary (circa 60K) so can afford the repayments but can't afford to throw even penny at them at this point in time with things the way they are in the world, so I thought I should at least try to get everyone onto 0% for a while. 
Sorry for the ramble and feel free to ask for more details or give me a slap! whatever comes first  

[Deleted User]

Shift the highest rate debts onto the lower rates.  Then prioritise paying the remaining highest rate debt (with minimums on the others (plus £1 in the case of cards).

If you have insufficient offers, consider applying for a new BT card, or MT card for the loans.

taylorguy2016

Deleted_User said:

Shift the highest rate debts onto the lower rates.  Then prioritise paying the remaining highest rate debt (with minimums on the others (plus £1 in the case of cards).

If you have insufficient offers, consider applying for a new BT card, or MT card for the loans.

Thanks, that's what I'm trying to do. My target is to move the First direct loan to 0% but the MT I have isn't sufficient, there's no others available to me so that's why I thought I'd see if someone here could suggest a good shuffle I could use with my existing cards maybe?

[Deleted User]

You could take the risk of withdrawing cash from one of the cards to pay off a loan, then BT the cash  balance as soon as you can to on the BT cards.

Risk is that your BT offers get removed due to the high risk behaviour, but it's a small risk.

You also have to factor in the cash fees.