Oh yeah, best not forget to mention the mortgage - my head is so messed at the minute - those br forms online really are a godsend. Ive been doing them for a few days now. I want to make sure i fill everything in will all correct dates etc...i have been finding out all the dates i first started my accounts today and didnt realise how long ive been paying some of them off already, with clearly little sucess!!
Anyway, my date is booked for 13 October - what a date !!
I know and i feel like a weight has been lifted just by booking the date - its so hard to believe that after 2 years struggling im going to be free (albeit i will have the or, but im not the first and certainly will not be the last)
I have had so much wonderful advice and will certainly be posting a while longer yet.