I have not aproached anyone yet. Am currently working and paying min payments on credit cards however have decided this is getting me nowhere and am really weary now. Have been trying to work out a plan of action and have an appointment in 2 weeks to open a safe account and will hand in 3 months not...

have decided to bite the bullet....however am unclear as to whether I should be looking for local IP or whether this can be dealt with by phone/post