Rant 1: "Put all your debts together and lower your monthly payments". What the loan company is going to do is to tie you into a loan that lasts a long time - maybe 10 or 20 years. Of course your monthly payments are going to be low over that long a time. But you'll end up paying them a lot more money in total than you would have done otherwise. So, if you can afford it, it's really MUCH better to pay off your debts sooner rather than later. (I'll be happy to demonstrate the maths if anyone is interested.)
Rant 2: "Think of what you could do with the extra money every month"
It's not "extra money" people! Whatever you do, DO NOT run up more debt on your credit cards!! You cannot afford to run up another £500 on your credit card because you think you "can afford" an extra £20/month minimum payment. All you are doing is getting yourself into more debt.
Rant 3: "We were able to pay off our credit card debt and with the extra money we were able to buy a car and take a holiday."
The debt wasn't "paid off" - it was just transferred to another debtor. Very possibly putting your house at risk (was having a mortgage part of what qualified you to get the loan?), and almost certainly at an interest rate that is higher than someone with good credit.
Also, it's not "extra money" - if you borrowed more money than you needed to "pay off" your other debts, you just actually borrowed more money.
Disclaimer: This post does not constitute financial, investment or tax advice. It does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser prior to entering into any binding contracts or taking any other financial action.