I do know that feeling Lesley, especially when it comes to finances. You think you are doing ok and then something like this comes along and smacks you in the face.
Hopefully you will get a positive reply back from your IP.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk