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Sam, thank you. I called them. I spoke to a really nice lady. She went through my expenditure and I have to pay ten pounds a month. I am so relieved. Actually she wanted me to pay less but I insisted on ten. It will probably be ten pounds for ten years!! No it is such a relief. And you are right, I was thinking if I could only win the money. Oh people are so good, and I feel God at work in this. I am trying hard not to cry with relief. I think that is all my debts under control. I mean I am managing to pay everything at the moment, but living a frugal life. Next problem is my car will need to be renewed soon but I will cross that bridge when it comes. Thank you. Vanquis bank has rang my work before and left messages with my boss. I have been
so embarrassed.