after doing the money make over and talking to my relationship manager at UB we decided to apply for a loan secured on our home [not my first choice but in this climate the only choice] we have loans and CC to the extent of €2000 per month payments and our mortgage is €88,000 tracker, value of home in current market €239. having a major problem getting the bank to do this for us as we are both self employed. we struggle to make our payments but we make them, asked for 50,000 [41 to pay off loans and cc's and 9 to finish grounds to home] at wits end, I know we are paying each month but the 900 we could save if we consolidate would leave us a chance of getting things in order. problem being UB don't want to take other banks debt - it would be 1/3 ub 2/3 other. any advice what to do, we are working so hard but just getting nowhere!