Hi Monkeyjunk
Remember to call back on here if you are feeling a bit shaky, I do from time to time and sometimes all I need is a bit of confidence and reassurance from the guys on here from time to time. There's a lot of stuff which I don't understand and I have posted today regarding my own situation because like you I'm feeling a bit terrified, I received a reply almost straight away which made me feel better,if the person who helped me knew my personal circumstances their few lines of advice meant the world.
Best Wishes
Peekay
Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 