...35 to go.

I signed my Trust Deed this week and made my initial payment.

I met up with Mark from Philip Gill two weeks ago and went through everything face to face.

I have to say he was great. - Really I HAVE to say that, he insisited! [:p] (joking of course)

It's not an easy step to take. There are pangs of guilt and even shame.
None of which were added to in anyway by Mark. Just the opposite in fact.

A huge weight has been lifted just by tackling and dealing with head on the things I have avoided and let grow arms and legs over the last few years.

If anyone is reading this forum in the position I was in just 2 or 3 weeks ago, I would advise them to make an appointment with Mark, or someone like him, and see if this is the correct route for you too.

I obviously still have the wait for the TD to become protected. No doubt the worry will creep back in when that deadline approaches.
But right now I am enjoying the fact that, even though it's not yet official, there is a light at the end of this tunnel.

Thanks again to Mark and his team and all the others who took time to give me advice on this forum.

Jinty.