Well the day has come it my F&F meeting today, didn't sleep much last night and feel like starting smoking again I'm stressed out, meeting was 10.30 its now 12.45 and still no contact, I've rung and they said it could be as late as 5pm before all votes are in and sorted, this is worse than waititng to hear if IVA had been accepted.
Yes I got a phone call at 16.45 telling me my F&F had been accepted so we paid the lump sum over the phone and they've said I should get my CC within 90 days, still can't believe that's it over we've had a many ups and downs over the past 4 years and it's been a very steep learning curve.
Thank you also to all the posters that post on here and get free advice and help when you feel like you've nowhere else to turn, I will still check in every now and again to see if anything I have learned could be of help to other people, the light at the end of the tunnel is now shinning brighter than ever.