Recovered Debtaholic

I wasn't sure about going under debt review but in hindsight I can see that it was the right thing. I paid off my personal loan a lot quicker than I thought because YDS somehow removed most of the interest! I still had money to meet my monthly expenses (just) but now my credit score is good again and I can apply for a home loan. Not an easy process, but totally wort it at the end of it all.