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Thanks ladies for your help and sympathy.
I have an appointment at Accy Vic at 2.30 today - It has been a struggle to get it but got there in the end.
I have been advised to take £30 with me - so the Denplan direct debit is now CANCELLED!!! (feeling more cheerful but not enough to put a smiley - there aren't any toothless smilies I could use)
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Good news Margaret, hope you feel a bit more cheerful when you get back. There is nothing worse than being in pain and not knowing where to turn.