Advice on how to clear debt

I am hoping this is in the correct place, apologies if not.

My current outstanding debt is: £7600 on a Hitachi loan at 7.8% APR until Jan 2020. I pay £585 a month toward this. £7448 on halifax credit card at 0% until Jan 2020. At the moment I am struggling to make decent dent in my credit card debt . I earn £1590 a month and my outgoings add up to £452 (not including debt repayments).
MBNA have offered me a money transfer offer at 3% fee for 0% until December 2020. I was wondering is it worth doing this to pay off the loan. I worked out if i paid £325 a month i would have the loan cleared by December 2020. Then if i pay £413 per month until Jan 2020 off my Halifax card these would be cleared.

I would not be using credit cards for purchases at all and i would cut the cards up to just pay off.

Do you think this is a better option? or would i be better off just keeping on with the loan and trying to pay what i can off the credit cards then when the loan finishes i can use the spare £585 to pay off cards?



any advice appreciated!