Kazzey, #13;#10; I agree with you 100%, i dropped the fear of going BR if need be, I am still getting offers of loans from here there and everywhere, and i have all the offers of further credit and stuff in a file from over the years. I sometimes feel like saying to myself, sod it, go BR, show the judge all the letters from the creditors offering me more and more, say that i got caught in their trap, and be done with it. For the meantime though, payment 2 is coming up and i'm a bit proud of myself if only to prove that yes i can afford to pay off my debts just now. Things do change though, i could fall off my bike and never be able to work again, please god that doesn't happen. The programme made me feel much better, and current accounts with a credit union, very interesting.