Thanks again mark!! freelance recovery is the car/breakdown recovery firm i work for nothing to do with finance. I am gratefull for your help and advice, like most of the cases on this site i am not proud of my situation and if i had the money ( a lottery win would be nice ) the first thing i would do would be to pay this off . I am glad i stumbled onto this site and am very glad you responded to my plea. I would like to think in some future situation i would be able to return the favour JASON(posted 7346 days ago)