Just to wind this thread up, for now.
Had a phone call from Britannia, Wed or Thurs this past week.
If I'm prepared to set up direct for £5 a month, then they're fine with that.
Received the direct debit mandate this morning, it will be filled in and posted on Monday

When it comes to having debt, burying your head in the sand don't work

I look who's online from time to time, apparently some Guest was printing this thread just now ?
Let's hope they use the info in it to good use q?