Hey, i for one would definitely look at the ge money flexible loan. The apr is from as little as 8.2% which is quite competetive when you analyse the flexible options available to you.
Currently your average monthly net income is €2,100 and your loan payments excluding your mortgage are approx €310. However this only just covers the credit union loan and the % PORTION OF THE CREDIT CARD plus it DOES NOT COVER THE FAMILY MEMBER.
I would recommend you get a ge money loan for €18,000 and split it as follows:
Credit Union Approx €12,000 (Used €1,000 of your savings)
Credit Card € 4,000
Family member € 2,000
Total € 18,000
This will then leave you with €500 savings in the credit union and with a manageable debt with ge.
You can either get the ge money over 4 years which is €439 per month or 5 years which is €364 per month.
As stated above your paying €310 and that does not even cover €6,000 worth of your debt (AND MOST WORRINGLY DUE TO THE HIGH INTEREST RATE THE CREDIT CARD).
Based on your salary of €2,100 less mortgage €300 the ge loan payment would be within your budget and would leave you enough for utilities etc.
* If you don't like the ge money option you could always transfer your credit card balance to a provider that will give x months interest free. This will give you time to reassess your financial options.
Finally it might be worth going to see somebody in mabs and get some independent professional financial budgetary advice. YOur going ok but you should just learn to keep and control things a little better MABS may help here.
Best of luck,
Johnnybegood