Thank you. It's reassuring to know someone else is in the same position!
Thanks also for the advice, this is actually what I am currently doing, except as I am now tied into 5 credit cards that have gone beyond their 0% rate, I am being charged 20% - 30% by most and by purely sinking in most of my disposable income will take decades to pay them off rather than years!
I originally fell into the trap of making minimum repayments (thinking I would transfer over to another card after the 0% finished). However, as a combined approach this just got worse.
One shocking example is a credit card I took out in June 2005, who gave me £8,500 limit (at the time I was overjoyed as I could consolidate 2 credit cards). However, when you reach the end of the 0% and apply for another, it's a joke because you have to committ to proceed before knowing the limit they will give you...and of course that's then ANOTHER search on your record that you can't undo. In my case one example was an acceptance then a limit of £1,800 - pointless when it meant I was only taking on an ADDITIONAL card as I couldn't clear the balance in question). So, having not been able to transfer the balance (I immediately closed this 'new' card without transferring any money to it - back in January) the balance remained very close to the £8,500 during the 0% as I was paying off approx £5 a month. Foolishly, I have remained paying the minimum amount.....This means that despite paying over £100 a month for the last 9 mths or so in repayments, the balance is still only £8,318 as still only approx £5 of this is trully repayment. It makes me feel sick when a lot more of this £100 a mth could be paying off the balance. now with no alternative route of CC or Loan I have no choice but to pay and extra £20 a month off each CC and perhaps in 20 years I will have paid them off!!!!
I'd be quite happy to send cut up CC's and proof of a settled CC to a loan company as part of a deal if that gave them the reassurance I was using the extended credit to pay off debt and not just add to my existing debt! Arghhhh, why did I get myself into this mess????