Hi all

Just wanted to update you and say that I finally took the (very nervous)plunge and contacted one of the experts who took the time to come to the house and run through all the different options. I'm glad I never went with the newspaper ad.

I have no idea why I had been so nervous as the meeting was very informal and also very informative. I just wish I had contacted someone a lot earlier, but like most, the hardest part is probably just lifting the phone to speak to someone. Since then I've had a letter highlighting all the different options we discussed, plus a review of my debts and money.

I now know exactly which route I will be following.

So thanks for all the help, posts and advice which has been second to none.

Martin