Good for you Karen.

As long as you are financially better of- that's what counts.

The website I included does give more information, alas it is a UK Gov't statement.
I know the private companies can take the load..but as I stated they need £$€ for the efforts of administration.

So when I do take my fund - I will no doubt pay for this expertise and time. That I accept as a part of the package.

The forms to DIY are available but my occupation was a a humble Industrial Screen printer. So the Lawyers once again appear on the horizon.

But hey! The TAXMAN COMETH...but does not TAKETH AWAY.Nice for a change
Malc the optomist