[:D][:D][:D][:D][:D]

I emailed my trustee at the end of last week to advise that I was setting my last payment, at the end of August, at a higher payment than normal, due to missing a few payments last year when the missus had our wee girl. This was all pre-approved, and I was just confirming the final big payment to end my 3 years in purgatory.

What a surprise when I opened my emails after work today, to find that I had misunderstood, and I only owe an additional £35 to complete my trust deed!! I've set the payment to leave tomorrow, and have been told I should be discharged within a few weeks afterwards.

I'm chuffed to bits, this is great timing, as my fiance is about to have a wee boy, and we were kinda dreading a bigger payment at the end of this month, with a 5-week month ahead before junior is born. I actually cried a little.

Onward and upward from here, time to check the credit file, make sure everything's updated properly, and start rebuilding the rating, in the vague hope of getting a mortgage in a few years.

Only discovered this place a few months ago, and glad I did, as I've had great bits of advice from loads of folk, and tried to help others where I could. I won't be a stranger, even if I end up just lurking most of the time, as the whole experience has changed me immensely (see the crying above).

Just a few more weeks to go!!