I'm so happy for you and so glad you were treated with the respect you deserve. You're actually debt free now - that definitely deserves a glass of wine!! xx
Glad you got sorted FH and a result that you didn't get an IPA. Good luck for the future and please keep posting so we know how you are getting on.
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