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Thanks very much for this information, I now have it much clearer in my mind and can try to hold things off until after 2nd May!

Thanks for your help, hopefully Kevin might be able to give some more information too.

Thank you, i've updated that! Yes, i've made all payments as agreed and up until now have been on full pay from work. I am now on nil pay but hope ...

It will be around April/May time.