He said he would transfer me and it shouldn't be a problem as I was a loyal customer over many years. Ok. A few minutes later he returned saying it wasn't possible. Why? Affordibility. Affordability? So I can affrd to py 24% but not the lesser 6.4%? Very strange. I must be a very good investment, in that they are earning a reasonable amount of interest and charges from my accounts and therefore unwilling to give it up. Time to start the snowball rolling!