Thanks for the kind replies and best wishes. Yes my payment went up due to a new job with a better salary and only slightly increased costs. I will continue to post and hopefully my experience will help others. In the real world I've spoken about it to 2 people who are in a bad way with debt and sim...

Hi Just wanted to say thanks to everyone on here. Although I've not posted before I've used this forum as a resource for knowledge and reassurance over the past few years. I'm glad to say that today I've managed to make my F&F payment to my IP. What a great feeling! Now time to move on with my life ...