Mr A K (Dundee)
Quality service – Excellent
Quality Doc’s – Excellent
Quality of advice – Beyond excellent, top class
How often kept waiting on the phone - Never
Would you recommend us to a friend – Definitely

Mr D F T (Essex)
Quality service – Excellent
Quality Doc’s – Excellent
Quality of advice – Excellent
Helpfulness of staff – Excellent
How often kept waiting on the phone – Some calls
Would you recommend us to a friend – Yes
“Smooth from start to finish, first time used Essential Loans and will definitely use them again.”

Mrs F M (Notts)
Quality service – Excellent
Quality Doc’s - Good
Helpfulness of staff – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Yes
“Very helpful, always kept me well informed.”

Mr D T (Essex)
"Very quick, accurate, very efficient, can’t complain, no problems what so ever. Would recommend and use again."

Mr D M (Cumbria)
Quality service – Good
Quality Doc’s – Good
Quality of advice – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Already have (brother).

Mr D R (Surrey)
"I was very pleased with the service I received. You were very helpful and understanding and very efficient."

Mr P C (Shropshire)
"Very efficient and very helpful, we got everything we needed with no problems at all."

Miss K H M (Aberdeen)
Quality service – Excellent
Quality Doc’s – Good
Quality of advice – Good
Helpfulness of staff – Excellent
How often kept waiting on the phone – Never
Would you recommend us to a friend – Definitely
“Really good questions always answered. Whoever I spoke with was always more than willing to help.”

Mr B M (Wiltshire)
"Warm friendly service, got to the point very quickly and stayed with it to a successful conclusion."

They're an alluring proposition. Like the mystic sirens luring sailors to rocks, credit card companies offer nonstop mailings to perspective customers, trying to get them to transfer credit card balances. The credit card sirens offer all sorts of lures, such as low introductory rates, reward programs, even zero percent interest - yet beware! The rocks of bad credit can be deadly to a happy financial life. So to protect yourself, be sure to follow these steps to knowing which credit card balance transfer options are the best, and which are equally traps in disguise.

The first thing you should do when considering balance transferring is to read the fine print of any offer. Therein lies the true intent of the credit card companies - whether they're offering fair ways to better manage your debt, or if they're trying to get you into a situation where they can make the maximum profit from your misfortune.

Not to paint all credit card companies in a bad light, because there are some that are honest and worth a look. To tell these good companies from the bad, look for the following in the small print of the agreement. Check to see how long any introductory rates will last. Is it just for four months before it jumps up to a high variable rate, or will you get 18 months at that low, fixed rate?

Then logically, you'll want to check what the rate jumps to after the introductory period is over? Will it be only a leap of a few percentage points? Or will you be in the 20+ realm of interest rates? The difference could mean hundreds, if not thousands, of pounds to you in payments.

Next, check what all the terms of the new card will be. Will there be an annual fee, and if so, how high will it be? What are the late fees for the card, and the penalty for overcharging your balance? And what happens if you do one of these infractions? Will you automatically and instantly lose your low introductory annual percentage rate?

And the million-dollar question is: What are the balance transfer fees? This is where a shady credit card company could make a killing off your balance transfer. Some credit card companies, for instance, could charge as high as 4 to 5 percent for a balance transfer. Depending on how much you're transferring, that can really add up to a huge lump sum that is added to your balance. That leaves you to ask yourself - am I paying more for the transfer than I'm saving?

There are many financial alternatives to credit cards. If you are looking to borrow a considerably large amount of money, why not apply for a Secured Loan (otherwise known as Homeowner Loan) and you could benefit from some of the lowest interest rates on the market. You may even be able to reduce your monthly credit repayments by merging all existing credit into one affordable Consolidation Loan.