Oh well just have to keep plodding along for another six months.
On my travels I have found out something that may be of use to some people. I opened a Co-op cashminder account which has Visa Electron however this is not taken by everyone. What I have found is that NatWest do a savings account First Reserve, not the Step Account; with Solo debit facility. I have filled in an application & just waiting for the account to be open. It will give a few more places where i can order cheaper goods online.
Thought you all might to like to know about that & will keep you informed of any other news
Fingers crossed its all over soon if not I can celebrate at Christmas