Thank you, DASdude, that is reassuring. Hopefully, this will be the start of a new chapter. Once these debts are cleared, that's it. No more unsecured debt. It is so, very easy to get out of control, Banks & Credit card companies throwing money at you. Once you are in, its often difficult to see a way out, without taking on more debt. I know my mental health has suffered, but, with people like you & the expert advisors, you have thrown me a lifeline, which up until Friday, I didn't even know was there. Thank you for your patientce & understanding. G

Your welcome Graeme, before you know it you will be like me and a couple of years into your plan. It is nerve racking awaiting everything being approved and setup but you will get there. My only regret was not sorting the problem sooner, but that is always easier said than done. It’s strange not using credit when you have been used to it, it can be a scary feeling but living within your means is an even better feeling. The future is looking a lot brighter for you now, just stick with it and seek further advice if needed. There are so many people out there that can help, if only everyone did really know that.