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Accepted guesture of good will offer but found out should have got more!
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            ppidisgrace wrote: »beware the lies and propoganda folks, people with no experience giving advice probably being paid by the banks , or that either without all the facts and too much time on their hands
This is of course your opinion, to which you are fully entitled.
But rather than hide behind your username, perhaps you would like to give us the name of the company you work for (complete with CCL number) that provides all this so called expert advice.No Longer works for MBNA as of August 2010 - redundancy money will be nice though.
Proud to be a Friend of Niddy.
no idea what my nerdnumber is - i am now officially nerd 229, no idea on my debt free date0 
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