Hi Kerri, I'm glad things are looking better for you. As you say there is light at the end of the tunnel, it's just a case of finding the right solution for you. Good luck with the DMP, and please keep posting to let us know how you are getting on.
BTW - MBNA were the biggest pains for me, they phoned me at work demanding payment and I eventually told them that if they kept phoning me then I would lose my job and then how did they expect to get a payment. I didn't hear from them again!
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