Please stick around as your input regarding BR in Scotland will be very useful - there's been a couple of posts recently and I'm sure it would help those posters to hear from someone who has been through it and come out the other side.
Hi Traceyjr, I think I used the wrong term "completed". I have just been awarded BR through the new system via AIB in Scotland and just want to share my experience with anyone who is considering it and hopefully give them sound advice and calm any fears they may have as it is daunting at first but then relief does set in. So only 10 months left till my BR is discharged and 34months till my final payment, seems far far away but hopefully will go very very fast.