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Would you switch loans?

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I have a £6k flexible loan from Cahoot. Originally they gave me 6.9%, but that started creeping up after I canceled the payment protection and is now 8.4%. I'm currently paying in £175/month although the minimum they ask for is £117 & if I don't switch it'll all be paid off in Sept 09.

I've looked around and the flexible loans that will allow me to pay in occasional windfalls and my ebay profits won't improve the % rate i have. Fixed loan will, but i was rejected when i asked the post office for one without payment protection, and including PP on the others i have looked at (all around 7%) means I only reduce my debt length by 3 months. i really wish i'd heard of this site first since with the rejection i believe i have to now wait 3 months before asking north rock.

So would you switch to a fixed loan?
Still wish I could buy a TARDIS instead of a house!

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