I only heard about all this last night form my mum, she told me about a slot on GM TV. Having spent many years mis-managing my funds and paying heavly for it with charges and intrest etc sometimes reaching £200 in a single month that always seemed to compound my problems. I figure what they hey, it must be worth a shot. Now to continue reading around the site and FAQ's etc before I takle Lloyds TSB, wish me luck:) .