Hi Macstuff,
If used correctly, i think the 0% balance transfer / low rate balance transfer can be beneficial. I used them to clear student loans etc. However, the card I am using with the balance transfer on is never in my wallet and av ailable to spend, it is solely for that purpose. Even suggest cutting up the card, pretend it's not there.
Set up a standing order for whatever you can afford. I think for MBNA it is a minimum payment of €25 or something, I was paying about €900 off to clear things out of the way. If you miss a payment you automatically revert to standard interest rate.
Good luck,.
Floss.